As Certified Financial Planners with an in-depth knowledge of the investment industry and its products, we are able to provide you with an advisory and planning service for a range of needs. Importantly, Investing for Tomorrow is completely independent of any investment and insurance company, and all recommendations are based purely on merit.
Our services include the following:
Pension Funds, Provident Funds, Preservation Funds & Retirement Annuities
Living Annuities & Life/Guaranteed Annuities
Local Unit Trust Fund Investments, Endowments/Sinking Fund Investments & Tax-Free Savings Accounts
Offshore Mutual Fund/Unit Trust Fund Investments & Endowments/Sinking Fund Investments
We utilise effective strategies for structuring investments to minimise tax liabilities - including advice on capital gains tax (CGT), income tax implications, tax deductible retirement contributions and tax-free savings investments.
We ensure that wealth is preserved and transferred efficiently - through succession planning, minimising estate duty, and estate liquidity planning.
Personal and Business Insurance Coverage - including Life Cover, Disability Cover, Severe-Illness/Dread-Disease Cover, Functional/Physical Impairment Protection & Business Assurance.
What effect marriage, divorce, retrenchment or death has on your financial wealth.
We emphasise performance at managed risk. An additional 2-3% in out-performance relative to one’s peer group/benchmark has enormously positive implications on the future value of one’s investment, the amount of income one can draw from one's investment and on the future amount one can bequeath to one’s beneficiaries.
Choosing the correct unit trust fund is the key to maximising investment returns. Our fund selection process is purely independent with no bias - we are evaluated by the investment performance we realise for our clients.
We do not confine ourselves to the largest funds, because they don’t always perform the best. Invariably smaller fund management companies are headed by investment professionals with long term track records of experience in larger institutions who are highly skilled and motivated in the pursuit of absolutely top performance. We include/recommend smaller funds that are lesser known with exceptional track records of performance over at least 5 years – that augment performance to one’s portfolio and importantly add diversification ensuring that not all eggs are in one basket (investing in the same stocks across funds etc.).
The best protection that investors have (and its free) is diversification as the future often transpires quite differently as to what is expected. Diversification can be achieved through the utilisation of a range of funds, asset allocation and incorporating local and global exposure.
This refers to how investment portfolios apportion money locally and internationally between shares, bonds and cash. Financial advisors must determine when and where to increase or decrease share market exposure. This decision is based on the investment climate at the time as measured by economic growth, investor confidence, level of interest rates and the sentiment of the people to spend or hold money.
We understand that every investor is different. Our portfolio and investment solutions span across the risk spectrum depending on a range of factors – investors age, familiarity with investing, risk tolerance/level of anxiety when markets invariably fluctuate temporarily, likely duration of investment and importantly investor expectations.
We operate without any financial affiliation or ties to asset managers, banks, insurers, administrators or investment platforms. This ensures we maintain complete objectivity. Our independence means the advice we provide is solely based on what is best for our clients - free from hidden agendas or monetary interest.
We encourage person to person engagement and emphasise visual demonstrations whenever possible. Interactive and visual discussions are often far more effective and informative where clients are able to “see the numbers” and “visualise” one’s future financial position.
Office Hours:
Mon – Fri: 08h00 – 17h00
Address:
Unit 4, 2nd Floor, Oxford Terrace
3 9th Street, Houghton Estate
Johannesburg
2198
Email: info@investingft.co.za
Tel: 010 900 5842
A retiree will double their pension by working 5 years longer.
Having a solid investment and financial understanding is essential for making smart, confident decisions about your money. When you’re familiar with concepts like risk appetite, diversification, asset allocation, and tax strategies, you’re in a much better position to take control of your financial future. This knowledge also helps you have more meaningful conversations with your financial planner and ask the questions that reallymatter.
It's important to look into insurance options like life cover, disability insurance, dread disease/critical illness cover, or impairment protection. Especially if you're the main or only income provider in your household. These types of policies offer financial support in case of illness, injury, or death, helping to ensure that your dependants are taken care of and not left financially exposed.
Getting an early start with investing can make a huge difference thanks to the power of compound interest over time. Even small amounts can add up significantly if you're consistent. Setting up regular monthly contributions - whether into a retirement fund, a tax-free savings account, or a discretionary investment - can help you build steady momentum and grow your wealth over the long term.
Take an active role in financially protecting yourself during major life events such as marriage, divorce, retrenchment, resignation, or death. It's essential to understand the impact and implications of these changes. Investors should proactively prepare by regularly reviewing and updating their investment, retirement, and financial plans. This includes maintaining separate savings and emergency funds, reassessing insurance coverage, updating wills and beneficiaries, understanding your legal and financial rights in marriage, and aligning investment strategies with evolving goals and responsibilities.
Playing it too safe with your money might protect you from short-term losses, but it can also hold you back from building real wealth – wealth well in excess of inflation. Especially early in your career, it’s important to take on a sensible amount of investment risk - you have time on your side to weather market ups and downs. A well-balanced, diversified portfolio with the right mix of share market exposure can help your investments grow, outpace inflation, and support a comfortable retirement.
