A fundamental component of our Private Wealth Management is achieving consistent long-term investment performance tailored to each client’s requirements. The cornerstone of our investment management process is to provide our clients with a sense of confidence even when economic and market environments seem uncertain. Our strategic risk managed investment approach attempts to provide consistent, attractive returns with less volatility and risk to capital than traditional approaches. We construct investment portfolios to meet individual client objectives. Our goal is to preserve client wealth while identifying investment opportunities that possess attractive return potential.

We help our clients on portfolio construction and fund selection that aims to meet their objectives and seeks to limit risk through constructing diversified portfolios, through strategic use of collective investment schemes, endowments and funds. Fund managers hold different asset classes such as equities, bonds, property, cash, etc. within the same fund, this provides a level of active management which regulates the exposure to different asset classes according to the fund manager’s views.

• Risk appetite – Depending on your age, portfolio and life stage, your Wealth Manager will help you decide whether you need high, medium or low risks and returns.
• Access to funds – From immediate access to long-term fixed investments, we ensure that your requirements are worked into your plan.
• Lump sum or regular contributions – Invest a lump sum, such as an inheritance or investment payout, or contribute smaller, regular amounts over time.
• Tax and legal implications – Your Wealth Manager keeps up to date on changes in tax and legislation to make sure your portfolio is on track and gaining maximum efficiency.

A fundamental component of our Private Wealth Management is achieving consistent long-term investment performance tailored to each client’s requirements. Our goal is to preserve client wealth while identifying investment opportunities that possess attractive return potential.

• Offshore Portfolios
• Bespoke Portfolios
• Unit Trusts based Portfolios
• Pre and Post Retirement Solutions 
• Endowments
• Tax Free Savings 
• Fully accessible Investment Solutions
• Education Solutions
• Shariah Compliant Solutions

Investment management and tailored portfolio management to both grow and protect your wealth. Valére Private Wealth Management specialise in investment management for high-net-worth individuals, trusts and companies. Our Portfolio Managers craft and manage tailored investment portfolios, investing directly into high-quality companies, both locally and offshore, and set a defining standard in individual attention and personal service.

Investing offshore may enhance your returns and reduce risk by diversifying your exposure to a single currency or country. We help you set up a well-diversified, globally strategic portfolio that includes offshore exposure. We offer a range of offshore investment solutions that can be tailored to your unique requirements.

• Our clients have access to dedicated Private Wealth Managers who are supported by our fiduciary and tax experts. Together with our team of portfolio managers backed by industry leading analysts, we will help you strategically set up and maintain an appropriate offshore solution for you.
• By allocating a portion of your investments offshore, you could spread the risk, and enhance the possibility of generating better returns by diversifying.
• Offshore investing and Spreading your investments across markets and currencies reduces your risk against currency depreciation or political and market events on your wealth.

You are so much more than ‘a high net worth individual’. You are somebody with unique needs and a vision. This is why your investment portfolio needs to be tailored to cater for your needs and goals. Whether your goal is to grow your wealth, generate income or preserve capital. We build a unique investment portfolio that is most suitable for you, based on our extensive research and collective insights. Your Private Client Portfolio Manager will strategically structure and manage your portfolio to ensure that it balances your need for security with your need for superior performance.

Our clients have access to a wide range of investments including some that are not accessible to individual investors, to ensure you continually achieve your financial goals. Client portfolios are broadly diversified, with a thesis behind every asset class and individual holding. Our rigorous portfolio construction and monitoring process, combined with our ongoing due diligence and research, allows us to proactively respond to changing market conditions and make tactical adjustments to portfolios as necessary.

Our goal is to preserve client wealth while identifying investment opportunities that possess attractive return potential relative to the underlying investment risks. Client portfolios are broadly diversified, with a thesis behind every asset class and individual holding. Our rigorous portfolio construction and monitoring process, combined with our ongoing due diligence and research, allows us to proactively respond to changing market conditions and make tactical adjustments to portfolios as necessary.

We offer a customised investment solution that complies with Shariah guidelines, to ensure a combination of Shariah and ethical investing, through our philosophy – of bring about positive change through measured investment decisions.

A key element of Islamic investing is the avoidance of interest, or Riba. The Shariah guidelines set out rules and requirements pertaining to income and prohibit financial involvement with companies who are involved in certain activities. These companies are filtered out of a Shariah-compliant portfolio and all impermissible income earned is donated to the South African Muslim Charitable Trust (SAMCT), which identifies worthy causes as beneficiaries.

Saving for education is one of the most worthwhile things you can do for your child, but it can be challenging if you don’t know where or how to start. Paying for a child’s education is one of the most significant investments you can make. It provides a measure of freedom to choose from a wider range of opportunities and gives the young person a boost early in life. Your Private Wealth Manager will structure an investment that makes best use of the long term, while ensuring that there is some measure of protection against market downturns.

We understand the value of a good education – we also understand how expensive it can be. The sooner you are able to start saving towards your children’s education, the better. There are many benefits to starting early:

• Over time, even a small monthly contribution can grow into a sizeable educational fund, especially by earning interest. This will help your children achieve their educational goals.
• Education is getting more expensive all the time. The sooner you start preparing, the better equipped you will be to help secure your son’s or daughter’s future.

You work hard to afford the lifestyle you want and to attain financial freedom. You want to maintain this lifestyle and freedom when you retire.

A good retirement plan starts with appreciating the importance of sound financial preparation. We manage a range of model portfolios across different risk categories. Our Private Wealth Managers will help you select the most suitable model portfolio and customise it for your requirements to help you find a solution to strategically prepare for your retirement.

It is never too early or too late to start saving for retirement, being tax-efficient in the way that you structure and invest your money is a fundamental element of a long term strategy. There are a number of ways to structure and invest your money when saving for the retirement you deserve.

Retirement annuities (RAs)
RAs are ideal if you want to save on tax costs and boost your long-term retirement savings. They are particularly beneficial if you:

• are self-employed;       
• are not already a member of a pension or provident fund; or
• get some of your earnings from a bonus or incentive scheme.

Tax-free savings accounts (TFIs)
TFIs enable you to save tax-efficiently through simple, low-cost, accessible investments.

• Your interest income and capital growth are tax-free.
• The only fee you pay is the yearly investment management fee – there are no upfront, switching or exit fees.

Endowments
Endowments offer a tax-efficient and useful estate planning solution for both discretionary and retirement planning.

• Tax is recovered at preferential rates in the endowment and taken care of on your behalf.
• After the maturity date, you have access to your money through lump sum or regular withdrawals. These withdrawals will also be tax free.
• Insolvency protection – the entire value of your investment is protected against creditors three years after it has started until five years after it has matured or ended. 

Estate planning benefits of endowments
Beneficiary nominations can lead to potential savings on executor fees. Where a beneficiary has been nominated, payment of the death benefit does not depend on the winding up of the estate and beneficiaries will get their money relatively quickly. Liquidity is created in the estate and beneficiaries will get the proceeds.

Offshore Pension
With an offshore pension, you can save for retirement in hard currencies and secure jurisdictions. It offers the flexibility to access pension benefits at retirement age and pass on wealth to beneficiaries. With access to global investment opportunities, our offshore pension structure enhances earnings potential, and provides additional tax and succession planning benefits.

You have done the hard work, now it is time to let your money work for you. Every decision you have made, all the long hours of hard work, providing for your family, all the sacrifices made, has brought you to this point, now it is time to enjoy the fruits of your labour.

Let us do the hard work from here. Our dedicated Private Wealth Managers will help assist you on deciding which annuity option best suits your needs, to provide you with a consistent and reliable income for the rest of your life, from your retirement savings, to meet your current and future income needs and ensuring your loved ones are taken care of.