Atrium, Zeitz MOCAA, Cape Town
Investments built for what the money is for.
Independent advice from CERTIFIED FINANCIAL PLANNER® professionals on how your money is invested, which structures hold it, and how the plan is reviewed as your life changes.
Sixty minutes, at our cost, at our Durbanville office or online.
Who we usually help.
Investment conversations usually begin with one of these.
- Your money sits in several products, bought at different times, with no clear view of how they fit together.
- You have received a lump sum from a bonus, an inheritance or a property sale, and want it invested with a plan.
- You pay fees on products you would not choose today and want to know what moving would cost.
- You are investing for something specific: retirement, a child's education, or an income later in life.
Where your money sits.
The same portfolio can be held in different structures, and each is taxed differently. Choosing the structure is part of the plan, not an afterthought.
| For individuals, 2026/27 | Unit trusts | Tax-free savings account | Endowment | Retirement annuity |
|---|---|---|---|---|
| Tax on growth | Interest, dividends and gains are taxed in your hands, after the annual exemptions | None on interest, dividends or growth | Taxed inside the policy at 30% on income and an effective 12% on gains | None inside the fund |
| Contributions | No limit | Up to R46,000 a year and R500,000 over your lifetime | No limit | Deductible up to 27.5% of income, capped at R430,000 a year |
| Access | Any time | Any time, but withdrawals do not restore your allowance | Restricted for five years: one withdrawal, limited to what you paid in plus 5% a year | From age 55, with limited exceptions |
| Often suits | Flexible long-term saving | Long-term growth, especially started young | Investors taxed above the policy rate, and estate planning | Retirement saving with a tax deduction now |
Risk is not a personality trait. It is a function of what the money is for and when you need it.
The Committee Behind Your Portfolio, BKA Wealth Journal
How we invest.
The principles behind every portfolio we recommend.
- Purpose before product
- Each amount is matched to what it is for and when you will need it, before a single fund is chosen.
- A committee, not a hunch
- Our model portfolios are run by an investment committee: Petri Beyers and Paul Kotzé together with the investment team at Graviton Financial Partners, part of the Sanlam Investments group.
- Every cost in writing
- Fund, platform and advice fees are set out in writing before you invest, so you know the full cost of the portfolio.
- Patience over prediction
- Portfolios are rebalanced to plan and reviewed with you, not traded on headlines.
- Regulated structures
- Unit trusts are collective investment schemes, regulated under the Collective Investment Schemes Control Act and supervised by the FSCA. Investment platforms administer your holdings; they do not choose funds or give advice.
Common questions.
How are unit trust investments taxed?
Interest is taxed at your marginal rate after an annual exemption of R23,800 (R34,500 from age 65). Local dividends carry a 20% dividends tax, deducted before you receive them. When you sell, 40% of the net gain is taxed at your marginal rate after a R50,000 annual exclusion, so the effective rate is at most 18%.
Should I use a tax-free savings account or a retirement annuity?
Often both. A retirement annuity gives you a tax deduction now but locks the money away until 55. A tax-free savings account gives no deduction, but growth is never taxed and you can reach the money at any time. The right order depends on your tax rate and when you will need the money.
Can I move my existing investments to you?
Usually, yes. Before recommending a move we compare what you pay now with what you would pay after it, including any penalties, capital gains tax or loss of guarantees, and put that comparison in writing.
How are you paid?
A transparent annual advice fee, agreed up front and disclosed in writing. Full fee schedules are shared in the first meeting, before any commitment is made.
Figures checked on 11 September 2026 against the SARS 2026/27 Budget Tax Guide, SARS on tax-free investments, National Treasury's Regulation 28 amendments and the FSCA. Amounts that apply from 1 March 2026 were announced in Budget 2026 and are applied by SARS; they remain subject to Parliament's legislative process.
Talk your investments through with a CFP® professional.
Sixty minutes at our cost, at our Durbanville office or online. Bring your latest statements if you have them.
[email protected] · 021 976 0738
Unit 3, Kings Landing Building, 17 King Street, Durbanville, 7550
