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The Wealth Perspective - Third Quarter 2020

08 October 2020

The Wealth Perspective - Third Quarter 2020

Welcome to the latest edition of the Wealth Perspective

In this edition of The Wealth Perspective, Chief Investment Officer Adriaan Pask looks at what you can do to start building generational wealth at different stages of your life. Head of Sales, Nirdev Desai, highlights the importance of having a financial plan that takes into account the transfer of wealth between generations within a family unit. Grant Meintjes, Head of Securities, explains why investing in equities is an ideal strategy for those with a long-term investment horizon. Jan van der Merwe, Head of Actuarial and Product, provides a summary of the investment products that can help set your children on a good financial start. Head of Technical Support, Gerhardt Meyer, unpacks how a trust can be a useful wealth preservation tool for your family. He also offers some insights about employee benefits for business owners managing multiple generations of employees.

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Welcome to the latest edition of The Wealth Perspective

Etienne de Waal

The month of September marks Heritage Day in South Africa, an opportunity for us to reflect on our past and celebrate our diverse cultures and historical inheritance. This is also a time when our families and the legacy we will leave for them should come into sharp focus. If you have ever thought about how to ensure you will have enough to sustain your family financially when you’re no longer there, you may have considered the concept of generational wealth. Creating wealth for you, your children, your grandchildren, their grandkids and future generations is an incredible dream. It is also an achievable goal, though a challenging one.

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A word from our CIO

Adriaan Pask

Intergenerational wealth – just for dynasties?

When thinking of intergenerational wealth, what often comes to mind are images of famous dynasties that have managed to accumulate massive family fortunes over multiple generations. However, building intergenerational wealth is far less glamorous and a lot more attainable, or at least it should be.

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Industry views

Nirdev Desai

Intergenerational financial planning in today’s world

The modern family presents new challenges. Families today are less units of generations easily mapped out in a family tree than complex, interacting ecosystems. Second or third marriages, with different sets of children, are now commonplace. Longer life expectancies mean a longer wait before heirs can claim their inheritance. And with varying approaches and attitudes to money, there is little guarantee of the next generation being able to preserve the wealth accumulated. So, what does this mean for building generational wealth?

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Investing and trading

Grant Meintjes

A share portfolio for wealth beyond a lifetime

Think of the richest people in the world, for example Warren Buffet or Bill Gates – you can attribute a great deal of their wealth to the businesses they own. And you too can be an owner of businesses by investing in stocks. By owning shares in lucrative businesses, your share portfolio works as a compounding machine that will continue to generate wealth over the long term. If you are aiming to build generational wealth, then it is a great option because it has the potential to continue growing for decades.

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Estate matters

Gerhardt Meyer

Using a trust to protect your wealth for generations

A trust can be an effective vehicle for the preservation of wealth, allowing succeeding generations to participate in, and benefit from, the wealth created by prior generations. In this article we explain the benefits of a trust, the considerations when establishing one and, importantly, what you should know when selecting trustees for your family trust.

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Quarterly insight

Jan Van Der Merwe

Create a financial legacy for your children

Whether you are on the wealthy end of the scale, or at the lower end, there are steps you can take to secure a financial legacy for your children. This article provides some key insights on how different investment products can be used to give your children the best financial start in life.

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Employee Benefits Insight

Gerhardt Meyer

Employee benefits for a multi-generational workforce

As an employer, you may have employees ranging from the ages of 19 to 59 in your workplace, and being at different life stages means these employees want and need different benefits. Determining suitable employee benefits for this multi-generational group can help them invest in their future, and may benefit future generations. And by offering quality benefits you enable your business to attract and retain top talent, no matter their age.

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