Maximising Your Wealth, Securing Your Future.
Expert investment management, offshore opportunities and strategic planning for every stage of your financial journey.
What is Wealth Creation?
Wealth Creation is the process of growing your financial assets over time through smart investment strategies, financial planning, and disciplined saving. It involves building long-term financial security and achieving financial independence by:
Ordered list
- Investing in assets like stocks, property, and retirement funds.
- Maximising returns while managing risk.
- Protecting and growing wealth for future generations.
At Donsure, we help clients make informed financial decisions to secure their financial future.
Ensuring Future Prosperity.
Our strategies are designed to navigate through market volatilities and capitalise on growth opportunities, ensuring your wealth not only survives but thrives in changing conditions.
Investment management is more than just growing assets; it's about creating sustainable financial success that aligns with your life's goals.
We'll empower you to make informed decisions for your financial future. Our wealth creation services are not just about increasing your net worth; they're about paving a path to a secure and prosperous future.
Grow and manage your wealth
Unit Trust
A flexible investment vehicle that pools money from multiple investors to invest in a diversified portfolio of assets, managed by professionals.
You can invest in unit trusts for all your financial goals, from saving for longer-term needs to meeting your shorter-term objectives.
Unit trusts give you easy and affordable access to financial markets, as well as the flexibility to access your investment if you need to.
Tax Free Savings Account
A government-backed savings account allowing tax-free growth on contributions up to a set annual and lifetime limit.
- You may invest up to R36,000 per tax year, with a lifetime maximum limit of R500,000. These limits include any tax-free investments you may have at different companies.
- You will pay a tax penalty of 40% to the South African Revenue Service (SARS) on any amount you invest above the maximum limits.
- You may withdraw from the account at any time. However, withdrawals do not increase your annual and lifetime contribution limits.
- The interest, capital gains and dividends you earn are completely tax free.
Retirement Annuity
A tax-efficient, long-term retirement savings plan that provides an income in retirement while offering tax deductions on contributions.
You can save for your retirement using a retirement annuity (RA). An RA gives you tax savings and a measure of protection, but comes with some restrictions. You usually cannot access your money until you retire.
- You can use the Allan Gray Retirement Annuity Fund (the Fund) to save for retirement in a tax-efficient manner.
- You can only access what is available in your savings component, except in certain circumstances.
- When you retire, a maximum of one-third of what is available in your vested component can be taken as cash. The balance must be used to purchase a product that can pay you an annuity income in retirement. A higher proportion can be taken as cash if your investment is below a specified legislated amount or if a portion of your investment has a savings component.
Preservation Funds
You can transfer your existing retirement savings from an employer’s retirement fund (or from another retirement fund) to a preservation fund. Although you cannot continue contributing, you keep the tax benefits of your original fund and your investment return is not taxed.
- You can use a Preservation Fund (the Fund) to preserve your existing retirement savings from a pension fund, pension preservation fund, provident fund or provident preservation fund in a tax-efficient manner.
- You may be allowed to make a once-off partial or full withdrawal from your vested component before retirement. This is subject to the restrictions of the transferring fund and legislation/regulation.
- You can retire from the Fund from age 55. You can also apply for early retirement should you become permanently disabled, subject to approval from the trustees.
- When you retire, a maximum of one-third of what is available in your vested component can be taken as cash. The balance must be used to purchase a product that can pay you an annuity income in retirement. A higher proportion can be taken as cash if your investment is below a specified legislated amount or if a portion of your investment has a savings component.
- If you were a member of a provident or provident preservation fund on 1 March 2021, any investments that received vested harmonised rights and that are transferred to the Fund will be protected. Any portion of your investment that has vested harmonised rights can be taken up to 100% as cash at retirement.
- You cannot make voluntary contributions to the Fund.
Local Endowment
A tax-efficient investment structure with a five-year restriction period, offering benefits for high-net-worth individuals and estate planning.
If your marginal income tax rate is higher than 30%, you can use an endowment for your long-term savings goals to benefit from tax savings and for estate-planning purposes
- The product offers tax advantages for investors with a high marginal tax rate (above 30%).
- Legislation that governs an endowment imposes restrictions on withdrawals during the first five years of your investment. During this phase, known as the restriction period, you may make only one withdrawal. Legislation also determines the maximum amount you may withdraw.
- The restriction period may be extended depending on the size of your contributions each year.
- Transactions that result in the sale of units may result in you being liable for capital gains tax (12%).
- Income tax is deducted at the time distributions are made. CGT is subtracted from benefits when they are paid
Offshore Platform
A platform that allows South Africans to invest directly in global markets, diversifying currency and market exposure. Investing offshore allows you to spread your investment risk across different economies and regions. It also gives you access to industries and companies that may not be available locally.
- Restrictions may apply to certain individuals and legal entities wanting to invest in this product.
- South Africans are responsible for ensuring they do not breach the South African Reserve Bank's (SARB) maximum limit for investing offshore.
- The differences between foreign and South African legislation should be considered before investment.
- This product does not allow for debit orders or regular withdrawals and automatically reinvests all distributions made by your selected unit trusts.
- Transactions that result in the sale of units may result in you being liable for capital gains tax.
Offshore Endowment
A tax-efficient offshore investment structure designed for long-term wealth growth and estate planning, with currency diversification.
If you want to invest offshore and your marginal tax rate is higher than 30%, an offshore endowment offers tax efficiency and estate-planning benefits.
An offshore endowment has the following reasons to consider it an investment option:
- Effective Capital Gains Tax Rate of 12%.
- Tax is taken care of within the investment vehicle.
- Estate planning benefits for beneficiaries to receive payment immediately after death, without having to wait for your estate to be wound up.
- Diversify your Portfolio by investing offshore in foreign currency.
Retirement Income
Income derived from retirement savings, such as a living annuity or life annuity, ensuring financial stability post-retirement.
At Donsure, we help clients secure a stable income in retirement through tailored annuity solutions:
- Living Annuity – Provides flexible income withdrawals from your retirement savings, allowing you to choose how much to draw each year (within limits – 2.50% - 17.50%). However, the longevity of your funds depends on market performance and withdrawal rates.
- Life Annuity – Offers a guaranteed income for life, ensuring financial security regardless of market conditions, but without flexibility once the annuity is purchased.
Share Portfolios
Direct investment in individual stocks listed on local or global stock exchanges, tailored to personal investment goals. We offer direct investment in individual stocks through expertly managed Share Portfolios. We partner with Private Client Securities, who apply their skills and expertise to actively manage client portfolios, ensuring tailored investment strategies that align with financial goals and market conditions.
DFM (Discretionary Fund Management)
At Donsure, we partner with a preferred third-party Discretionary Fund Manager, PortfolioMetrix, to provide expert investment management. Their services are combined with other top-performing asset managers to ensure a well-diversified and actively managed investment approach. This allows our clients to benefit from professional oversight, strategic asset allocation, and enhanced portfolio performance.
At Donsure, we firmly believe there is a role to play for both active and passive management, while ensuring the overall investment fees are kept as low as possible.
A flexible investment vehicle that pools money from multiple investors to invest in a diversified portfolio of assets, managed by professionals.
You can invest in unit trusts for all your financial goals, from saving for longer-term needs to meeting your shorter-term objectives.
Unit trusts give you easy and affordable access to financial markets, as well as the flexibility to access your investment if you need to.
A government-backed savings account allowing tax-free growth on contributions up to a set annual and lifetime limit.
- You may invest up to R36,000 per tax year, with a lifetime maximum limit of R500,000. These limits include any tax-free investments you may have at different companies.
- You will pay a tax penalty of 40% to the South African Revenue Service (SARS) on any amount you invest above the maximum limits.
- You may withdraw from the account at any time. However, withdrawals do not increase your annual and lifetime contribution limits.
- The interest, capital gains and dividends you earn are completely tax free.
A tax-efficient, long-term retirement savings plan that provides an income in retirement while offering tax deductions on contributions.
You can save for your retirement using a retirement annuity (RA). An RA gives you tax savings and a measure of protection, but comes with some restrictions. You usually cannot access your money until you retire.
- You can use the Allan Gray Retirement Annuity Fund (the Fund) to save for retirement in a tax-efficient manner.
- You can only access what is available in your savings component, except in certain circumstances.
- When you retire, a maximum of one-third of what is available in your vested component can be taken as cash. The balance must be used to purchase a product that can pay you an annuity income in retirement. A higher proportion can be taken as cash if your investment is below a specified legislated amount or if a portion of your investment has a savings component.
You can transfer your existing retirement savings from an employer’s retirement fund (or from another retirement fund) to a preservation fund. Although you cannot continue contributing, you keep the tax benefits of your original fund and your investment return is not taxed.
- You can use a Preservation Fund (the Fund) to preserve your existing retirement savings from a pension fund, pension preservation fund, provident fund or provident preservation fund in a tax-efficient manner.
- You may be allowed to make a once-off partial or full withdrawal from your vested component before retirement. This is subject to the restrictions of the transferring fund and legislation/regulation.
- You can retire from the Fund from age 55. You can also apply for early retirement should you become permanently disabled, subject to approval from the trustees.
- When you retire, a maximum of one-third of what is available in your vested component can be taken as cash. The balance must be used to purchase a product that can pay you an annuity income in retirement. A higher proportion can be taken as cash if your investment is below a specified legislated amount or if a portion of your investment has a savings component.
- If you were a member of a provident or provident preservation fund on 1 March 2021, any investments that received vested harmonised rights and that are transferred to the Fund will be protected. Any portion of your investment that has vested harmonised rights can be taken up to 100% as cash at retirement.
- You cannot make voluntary contributions to the Fund.
A tax-efficient investment structure with a five-year restriction period, offering benefits for high-net-worth individuals and estate planning.
If your marginal income tax rate is higher than 30%, you can use an endowment for your long-term savings goals to benefit from tax savings and for estate-planning purposes
- The product offers tax advantages for investors with a high marginal tax rate (above 30%).
- Legislation that governs an endowment imposes restrictions on withdrawals during the first five years of your investment. During this phase, known as the restriction period, you may make only one withdrawal. Legislation also determines the maximum amount you may withdraw.
- The restriction period may be extended depending on the size of your contributions each year.
- Transactions that result in the sale of units may result in you being liable for capital gains tax (12%).
- Income tax is deducted at the time distributions are made. CGT is subtracted from benefits when they are paid
A platform that allows South Africans to invest directly in global markets, diversifying currency and market exposure. Investing offshore allows you to spread your investment risk across different economies and regions. It also gives you access to industries and companies that may not be available locally.
- Restrictions may apply to certain individuals and legal entities wanting to invest in this product.
- South Africans are responsible for ensuring they do not breach the South African Reserve Bank's (SARB) maximum limit for investing offshore.
- The differences between foreign and South African legislation should be considered before investment.
- This product does not allow for debit orders or regular withdrawals and automatically reinvests all distributions made by your selected unit trusts.
- Transactions that result in the sale of units may result in you being liable for capital gains tax.
Income derived from retirement savings, such as a living annuity or life annuity, ensuring financial stability post-retirement.
At Donsure, we help clients secure a stable income in retirement through tailored annuity solutions:
- Living Annuity – Provides flexible income withdrawals from your retirement savings, allowing you to choose how much to draw each year (within limits – 2.50% - 17.50%). However, the longevity of your funds depends on market performance and withdrawal rates.
- Life Annuity – Offers a guaranteed income for life, ensuring financial security regardless of market conditions, but without flexibility once the annuity is purchased.
Direct investment in individual stocks listed on local or global stock exchanges, tailored to personal investment goals. We offer direct investment in individual stocks through expertly managed Share Portfolios. We partner with Private Client Securities, who apply their skills and expertise to actively manage client portfolios, ensuring tailored investment strategies that align with financial goals and market conditions.
At Donsure, we partner with a preferred third-party Discretionary Fund Manager, PortfolioMetrix, to provide expert investment management. Their services are combined with other top-performing asset managers to ensure a well-diversified and actively managed investment approach. This allows our clients to benefit from professional oversight, strategic asset allocation, and enhanced portfolio performance.
At Donsure, we firmly believe there is a role to play for both active and passive management, while ensuring the overall investment fees are kept as low as possible.
Book a free consultation with us
Invest in peace of mind.
Real Stories. Real Protection.
Getting Started: Your Path to Financial Confidence
Initial Meeting
We Establish and define a professional relationship with you as an individual.
Data Gathering
After agreeing to proceed, together we gather your financial information and set your unique individual financial planning goals.
Financial Analysis
We assess your needs and Risk Profile in order to analyse and evaluate your current financial position with all the necessary information you provide.
Personalised Recommendations
We make personalised financial planning recommendations with a clear understanding of your objectives and preferences, we craft a personalised financial plan. This plan addresses your immediate and long-term financial goals, balancing risk management with wealth creation opportunities. It's a roadmap designed specifically for you.
Implementation
We agree on the implementation of the most appropriate recommendations while objectively looking at the best providers and solutions.
Monitor and Review
Financial planning is not a one-time event—it’s a continuous journey. We review your personalised portfolio with you, making adjustments as your life circumstances and financial goals may change. This ensures your financial plan stays aligned with your objectives.
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Meet Jane
Planning for Golden Years with Precision
Facing retirement alone, Jane sought clarity on her future lifestyle – could she travel, keep her home, and avoid financial strain? We provided the roadmap.
Existing Situation
Jane, a single client approaching retirement, needed to understand what her life could realistically look like during her golden years.
The Problem
Jane's concerns were many: Did she save enough? Could she maintain her desired lifestyle? Was selling her home necessary, or should she consider part-time work to supplement her income during retirement?
The Solution
We developed detailed current and future budget plans, evaluating her savings and investment options. By strategically structuring her investment portfolio with the right vehicles and funds, we created a clear picture of her financial future, including necessary but manageable trade-offs. Jane now enjoys peace of mind, understanding the adjustments needed now and in her retirement to ensure a comfortable and fulfilling lifestyle.
Frequently Asked Questions
We start with a thorough assessment of your risk appetite and financial goals. Based on this, we construct a portfolio that not only aligns with your comfort level in terms of risk but also has the potential to meet your financial objectives.
Absolutely. We offer comprehensive offshore investment services, including portfolio structuring and management, to help diversify your investments and explore global opportunities.
Our estate planning services include creating a detailed plan for managing and transferring your assets. We provide guidance on wills, trusts, and other estate planning tools to ensure your legacy is preserved according to your wishes.
We continuously monitor both market trends and any changes in your personal life that might impact your financial plan. Our proactive approach ensures that your portfolio and financial strategies are adjusted as needed to stay aligned with your goals.
Yes, we provide tax planning services aimed at maximizing tax efficiency within your financial plan. This involves strategies to minimise tax liabilities and make the most of tax-advantaged investment opportunities.
Book a free consultation with us
Invest in peace of mind.
Office
Port Elizabeth
278 Main Road, Walmer, 6065