Medium- to Long-Term Tax-Efficient Growth
Optimize your wealth growth with disciplined investment structures designed for higher-income earners.
What it is & Why it matters
Endowments are investment policies with a built-in life insurance benefit. It is suited to investors with a high marginal tax rate who are comfortable with limited access to their capital for the first five years.
Capped taxation
Tax efficiency: 30% on investment growth, 20% on local dividends, 12% on capital gains tax. No tax at end of your investment.
Fiduciary continuity
You can nominate a beneficiary for your investment proceeds in the event of your death, making estate planning simpler and bypassing executor fees.
Key benefits
Capped income and capital gains tax rates inside the fund.
Ability to nominate specific beneficiaries to bypass executor fees.
Protection from creditors after a specified holding period.
Related products
Tax-Free Savings
Maximize your annual Sars allowances with investment accounts completely exempt from income tax, dividends tax, and capital gains tax.
Secured Investment
Safeguard your hard-earned capital with asset-backed or guaranteed investment vehicles.
Retirement Planning
Strategic wealth creation designed to beat South African inflation and fund your dream retirement lifestyle.
Frequently Asked Questions
Below are some of the most common questions we cover regarding our wealth management, investment, and insurance services.
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