Investments
Build Your Wealth with Investment Management
At Affluence Insure Consultants, we provide independent investment advice and access to South Africa’s leading fund managers. Whether you’re starting your investment journey or managing substantial portfolios, our FSP licensed advisors deliver personalised investment solutions that grow with your ambitions.
Our Investments Services
Strategic Wealth Building for Your Financial Future
Building wealth requires strategic planning, disciplined execution, and professional expertise. Our investment services combine independent access to South Africa’s leading fund managers with personalized strategies tailored to your goals. Whether maximizing tax benefits through retirement annuities, growing wealth in tax-free accounts, or accessing institutional-grade portfolio management, our FSP licensed advisors provide the guidance needed to achieve long-term financial success.
Retirement Planning & Annuities
- Key Benefits:
- Tax deductions up to 27.5% of income
- Professional fund management
- Flexible income options in retirement
Tax-Free Investment Accounts
- Key Benefits:
- No tax on growth, dividends, or interest
- Annual contribution limit: R36,000
- Lifetime contribution limit: R500,000
Unit Trust Investments
- Key Benefits:
- Monthly contributions from R750
- Lump sum investments from R15,000
- Access to premium fund managers
Professional Portfolio Management
- Key Benefits:
- Expert daily portfolio management
- Strategic asset allocation
- Regular rebalancing and risk management
Why Investment Management is Essential
Leaving your financial future to chance or attempting DIY investing without expertise often results in poor returns, missed tax benefits, and inadequate retirement savings. Most South Africans reach retirement with insufficient funds because they started too late, invested inconsistently, or made emotion-driven decisions during market volatility.
- Build Long-Term Wealth: Consistent, disciplined investing with professional guidance compounds over time, turning modest monthly contributions into substantial wealth.
- Maximize Tax Efficiency: Take full advantage of retirement annuity deductions (up to 27.5% of income) and tax-free savings accounts that many investors underutilize or ignore completely.
- Achieve Financial Independence: Strategic investment planning ensures you have sufficient capital for retirement, children’s education, property purchases, and other major life goals.
Why Choose Our Investment Services?
Independent Advice
As an independent FSP, we provide unbiased recommendations across multiple fund managers and investment platforms – not just one company’s products.
Transparent Fee Structures
No hidden costs or surprise fees. We provide clear, competitive fee structures negotiated through our institutional relationships with fund managers, ensuring you keep more of your investment returns.
Qualified Professionals
All our advisors are FSP licensed with ongoing professional education, ensuring you receive expert guidance compliant with South African regulations.
Comprehensive Solutions
From young professionals starting their careers to business owners planning retirement, we offer investment solutions for every life stage and financial goal.
What Our Clients Say
Plan Your Financial Future with Confidence
Understanding the power of compound growth is the first step toward building substantial wealth. Our investment calculator helps you visualise how consistent monthly contributions and strategic lump sum investments can grow over time, making it easier to set realistic financial goals and track your progress.
Whether you’re planning for retirement, saving for a major purchase, or building long-term wealth, use this calculator to explore different investment scenarios and discover what’s possible when you combine disciplined saving with professional investment management.
Investment Return
For realistic projections, use an annual growth rate between 6% and 11%, depending on your term, goals and risk profile.
- 8% – 11% this is a realistic return for longer terms and higher risk appetities. (before retirement)
- 6% – 8% this is a realistic return for shorter terms and conservative strategies. (near and during retirement)
Investment Fees
Most fund fact sheets show returns after fees (excluding advice and platform fees). We recommend using 1.2% as an estimated total fee for advice and platform costs. Actual fees may vary, contact us for a personalised and more detailed quote.
Inflation
An inflation rate of 5% is recommended for projection purposes. This figure serves as a reasonable long-term assumption, though actual inflation may vary in response to broader economic factors.
Contribution Increase
This is the percentage at which the amount you invest, monthly or yearly, will increase by each year.
Retirement Age
We recommend selecting a retirement age between 55 and 70 for a more accurate calculation.
Years in Retirement
This indicates the duration for which you are projected to sustain your income from retirement funds.
Investment Calculator
Disclaimer:
These calculators are provided for illustrative purposes only and are not intended to guarantee any specific outcome or value at the end of an investment term. While fee assumptions may be included to assist in producing more realistic projections, actual investment returns will vary due to market fluctuations, economic conditions, and other factors beyond our control. As such, results generated by these calculators should not be relied upon as predictions or promises of future performance.
These tools do not constitute financial, investment, or tax advice. They are intended solely to demonstrate potential scenarios. We recommend that you speak with one of our advisors and book a consultation before making any investment decisions.
Affluence Insure Consultants Pty (Ltd) FSP: 49412
Our Office Locations
Centurion
- +27 12 664 0793
- ilse@afinsure.co.za
- 1020 Pretorius Ave, Lyttelton Manor, Centurion, 0157
George
- +27 64 999 9317
- jennyvertue@afinsure.co.za
- 27 Knightsbridge Rd, Kingswood Golf Estate, George, 6530
FAQ's
Frequently Asked Questions About Investments
What is the minimum amount needed to start investing in South Africa?
You can start investing with as little as R350 per month for retirement annuities or R750 per month for unit trusts and other voluntary investments. Tax-free savings accounts have no legal minimum, though most providers require around R500 monthly. For discretionary managed portfolios, minimums range from R250,000 to R1,000,000 depending on the investment strategy.
What is a retirement annuity and how does it work?
A retirement annuity (RA) is a tax-efficient investment designed specifically for retirement savings. You contribute regularly (or lump sums), receiving tax deductions of up to 27.5% of your income or R350,000 annually. Your money grows tax-free until retirement (from age 55), when you can take up to one-third as cash and use the rest to purchase a pension. RAs cannot be accessed before retirement except in specific circumstances.
Should I invest in a tax-free savings account or retirement annuity?
Both serve different purposes. Retirement annuities offer immediate tax deductions and higher contribution limits (27.5% of income vs R36,000 annually), but funds are locked until retirement. Tax-free savings accounts offer complete flexibility to withdraw anytime and all growth is tax-free, but lower contribution limits. Ideally, use RAs for retirement and tax-free accounts for medium-term goals like property deposits or education.
What returns can I expect from investments in South Africa?
Historical returns vary by asset class: South African equities have averaged 12-15% annually over long periods, balanced funds 10-12%, and money market funds 6-8%. However, past performance doesn’t guarantee future returns, and short-term volatility is normal. Your expected returns depend on your asset allocation, investment timeline, and risk tolerance. Our advisors create realistic projections based on your specific investment strategy and goals.