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The 2018 Investment Cruise

+ Free Checkup on your retirement savings

Wisdom + fun combined.

We're planning on holding an investment cruise, but are first testing the water (forgive the pun) to check the level of interest. Would this interest you? And if so, what type of topics would you like to see covered - e.g. retirement savings options, living annuities, no retirement savings, online trading, etc... If you're interested then reply to this email or click here to subscribe (for free) to the investment newsletter.

Are you losing out? Free Retirement Savings Check-up

One of the speakers for the 2018 Investment Cruise, Rob who is an investment actuary, has offered to do a free check-up to see whether he can do anything to make your retirement savings more efficient (free checkup, but if you choose to implement it - totally your choice - this will cost...see details below). Some new and more effficient products have come onto the market in the last couple of years.

Email rob@investsouthafrica.co.za & he'll let you know if he can help

It's been a while since I last wrote, and I do hope all is well, financially and otherwise - at least I hope your finances are heading in a better direction than the country's! The implications of the economic direction and the best defensive investment strategy are things we must think about, but today I want to focus on portfolio efficiency - making sure that you're not overpaying on administration, investment management or advisor fees.

If you have any of the following types of investment you are welcome to contact me at rob@investsouthafrica.co.za :

  • retirement funds
  • preservation funds
  • living annuities.

My offer : A free checkup

Even if you think everything is running smoothly, it's good to send your car in for a service regularly. So even if you think nothing's wrong, email me the details of your current retirement savings setup and I'll check for free whether I can improve on it (and by retirement savings I include "living annuities"). In many cases I believe I will be able to improve things.

Next step??: Email rob@investsouthafrica.co.za the following info:

  • Which company's investment platform your retirement savings is being made through.
  • Each investment portfolio's name as well as the fees being charged, and the amount of savings in it.
  • Fees to your current investment advisor.

For example:

  • Investment Platform: Allan Gray; 0.5% on first R1.5m, 0.2% on next R3.5m, 0.1% on balance over R5m; for Allan Gray investment portfolios the plaform fee is 0.2% admin fee which is built into the unit price.
  • R1m in the Allan Gray Balanced Fund; for fees see http://www.allangray.co.za/globalassets/documents-repository/fund/factsheet/Allan%20Gray%20Balanced%20Fund/Latest/Allan%20Gray%20Balanced%20Fund%20Latest.pdf
  • R2m in the Foord Balanced Fund, for fees see http://www.allangray.co.za/globalassets/documents-repository/fund/factsheet/Foord%20Balanced%20Fund%20(Class%20B4)/Latest/Foord%20Balanced%20Fund%20(Class%20B4)%20Latest.pdf

In most cases??I should be able to tell you fairly rapidly whether your current setup is sub-optimum. However, in some cases, it will take a while; especially if you're invested in an old style insurance policy with transfer penalties.

Step 2 : Implementing Improvements

Plato said that 'The beginning is the most important??part of the work', but I disagree - in my experience the follow-through is the most important phase.

It's completely up to you whether you'd like to implement any improvements I suggest, and there will be zero upfront fee. The only thing I ask, is that you agree upfront that if you implement the improvements I suggest that you offer me a per annum advisor's fee at a level you believe is fair & affordable. If at any point you're not satisfied, you can reduce the fee to zero whenever you want. I will only do the work if I believe that you are better off, taking into account the advisor's fee.

Exciting times!
Rob

Drop me a note at rob@investsouthafrica.co.za

Disclaimer

Due to regulations, my emails and website should be considered as having been set up for entertainment purposes alone. Expect errors and omissions. Investment in shares and other financial instruments should be conducted by professional investment experts only. Any use of the information on my websites, emails and newsletters is at your own risk, and by using it you agree that myself, the owners of our websites, authors and associated parties wont be held liable for any losses suffered as a result of using the information. None of the information should be construed as being advice. Our newsletters, articles, discussions and website are not an offering for any investment. It represents only our and others' opinions. Any views expressed are provided for information purposes only and should not be construed in any way as an offer, an endorsement, or inducement to invest. Illustrations, forecasts or hypothetical data are not guaranteed and are provided for illustrative purposes only. There are risks involved in buying or selling a financial product. Past performance is not indicative of future performance. Any investment values given are not guaranteed. Investment returns can be volatile. When investing there is always the risk of losing all or a substantial amount of your investment, as well as the risk of illiquidity. There may be advertisements on some pages on this website, and we may earn income from these advertisements. We may earn commission on products invested in or annuities purchased. We cannot attest to the accuracy of the material presented here, and opinions expressed may be changed without prior notice. In any event our liability will be limited to R1, and any court cases must take place in Cape Town. You may contact us at rob@investsouthafrica.co.za

 

If you'd like to subscribe to regular investment news from Rob, click here.

 

 
 
 

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Until next time!
Karen, Rob & the rest of the SouthAfrica.TO team

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