Grow my Investments

A Tax Free Savings Account is an ideal investment vehicle for saving funds for a goal whilst growing capital efficiently.

• Make flexible contributions (lump sum, debit order or ad hoc contributions).
• Contribute up to R46 000 per year, and R500 000 over your lifetime, with tax-free growth.
• Tailor your TFSA to your goals and risk profile with a broad range of underlying investment options.
• Build long-term wealth with a flexible product that can supplement your existing savings.
• Transfer an existing tax-free investment to another provider (full transfers only).

• Withdraw part or all of your investment at any time — there's no fixed term.
• Set up regular withdrawals monthly, quarterly, half-yearly or yearly.
• No exit fees apply when withdrawing.
• Your withdrawals don't increase your annual contribution limits.

Investment Policies are investment-linked life policies that is suitable for investors who have medium to long term investment goal, a high marginal tax rate and require a product that offers tax efficiency and estate-planning benefits.

Endowment - And Endowment is an investment policy with a life assured, which will benefit from protection against creditors.

Sinking Fund - A Sinking Fund does not have a life assured. An investor (such as a legal entity) can benefit from a Sinking Fund if there is no dependency on a particular life span.

Tax administration - Tax on the income and growth is taxed within the policy at favourable rates of 30% on income and 12% on capital gains

Estate planning - You can nominate a beneficiary on your Investment Policy which allows for easy transfer of wealth between generations and without the costs and delays associated with winding up a deceased estate.

Discipline - Investment Policies allow only one withdrawal during the first five years of the investment.

Creditors - If a life assured is appointed, the proceeds of the Investment Policy will be protected in the event of insolvency (restrictions apply)

An Offshore Endowment is an investment-linked life policy that is suitable for investors who want to diversify their portfolio across economies and regions outside South Africa, have a high marginal tax rate and require a product that offers tax efficiency and estate-planning benefits.

An Offshore Endowment is often structured as a sinking fund which has the same benefits as an endowment but no life assured is appointed.

Tax benefits - Tax on the income and growth is taxed within the policy at favourable rates of 30% on income and 12% on capital gains. Many Offshore Endowments use “roll-up” funds limiting the overall tax exposure to 12% capital gains tax.

Estate planning - You can nominate a beneficiary on your investment policy which allows for easy transfer of wealth between generations and without the costs and delays associated with probate.

Liquidity - Endowments allow only one withdrawal during the first five years of the investment. Many Offshore Endowments consists of multiple underlying policies which allows for greater flexibility when you need to access your money.

Creditors - If a life assured is appointed, the proceeds of the Offshore Endowment will be protected in the event of insolvency (restrictions apply)

This flexible, personal investment portfolio can be tailored to your individual needs and risk tolerance.

• Flexible contributions — invest lump sums, set up a debit order, or adjust contributions as needed with no penalties.
• Full choice over a wide range of underlying investments.
• Suitable for both long-term wealth building and generating an income from your investment.
• Tax may be payable on income like interest and dividends.
• Tax on capital gains may be payable when you sell or switch units within the investment.
• Tax reporting is handled annually, with tax certificates issued to simplify your tax return.

• Access your investment at any time — no minimum investment term.
• Withdraw whenever you need to, with no exit fees.
• Set up recurring withdrawals monthly, quarterly, half-yearly or yearly if you want a regular income stream.

Grow and protect your wealth globally with a flexible offshore investment portfolio tailored to your goals and risk appetite.

• Tailored to your needs and risk tolerance.
• Access to wide range of offshore funds (equity to capital-preservation options).
• Invest in USD or GBP funds.
• Contribute via lump sums or ad hoc amounts.

• Withdraw capital whenever you need it.
• Suitable for long-term wealth building

The PSG Wealth Cash Account is an exclusive solution available through PSG Wealth advisers. It gives you a simple, low-cost way to hold and manage your cash investments — with meaningful fee savings when you use selected PSG Wealth funds.

• Access a range of fixed-income funds.
• Reduced fees when investing through the Cash Account
• Very competitive yield to what banks offer.

• Tailor your investment to your risk appetite, income needs, and investment horizon.
• Ideal for short-term parking of surplus funds or generating regular income.
• Access to funds anytime without any penalties.