Protecting your money is only half the job. It also has to grow, quietly and steadily, so that one day it can replace your salary. We build long-term, tax-smart plans with the country’s best asset managers, and we’re honest about every fee.
We build portfolios with South Africa’s leading asset managers
There’s no single best investment. There’s the right one for each goal and each tax situation. We use these building blocks together to grow your money efficiently.
Your core retirement engine. Contributions are tax-deductible up to 27.5% of your income (capped at R350,000 a year), so SARS effectively co-funds your retirement.
Invest up to R36,000 a year (R500,000 over your lifetime) and pay zero tax on growth, dividends or withdrawals. A quiet powerhouse over decades.
Flexible, accessible investing across local and global markets. No contribution limits and you can withdraw when you need to, ideal for medium-term goals.
Tax-efficient for higher earners (taxed at 30% inside the wrapper) and useful for estate planning, with the ability to name beneficiaries.
Changing jobs or retrenched? A preservation fund keeps your retirement savings invested and tax-protected instead of cashing out and losing years of growth.
Rand-hedge and global diversification through feeder funds and offshore allocations, so your wealth isn’t tied to one economy or currency.
An RA is simply a retirement savings account with three big advantages: your contributions reduce your taxable income today, your money grows tax-free inside the fund, and it’s protected from creditors.
Because contributions are deductible up to 27.5% of your income, a portion of what you’d have paid SARS goes into your future instead. The trade-off is that the fund follows Regulation 28, rules that cap how much sits in any one asset class, which keeps your retirement money sensibly diversified.
We work out how much you can contribute for maximum tax benefit and pick low-cost funds suited to how many years you have until retirement.
Fees are the silent killer of returns. A 1% difference can cost you hundreds of thousands over a lifetime. We show you every layer (advice, platform and fund) in Rands and cents, and keep them as low as we sensibly can.
The biggest returns come from staying invested through the noise, not from chasing last year’s winner. We help you set a plan and stick to it, topping up your TFSA and RA every year and ignoring the headlines.
“Preevees moved our preservation fund when I was retrenched instead of letting us cash it out. Five years on, that decision alone is worth more than my old salary. Patient, clear and never salesy.”
Whether you’re saving for a goal, investing for growth or planning the years after work, these are the building blocks we use, chosen and combined around your plan.
Whether you’re starting an RA, maxing a tax-free savings account or reviewing an old portfolio, we’ll build a plan that’s tax-smart and honest about costs.
