Tailored Solutions
Tailored Solutions
Product Offering
Tax-Free Savings Plan
Introduction
A tax-free savings plan is a simple and tax-efficient savings solution that provides returns that are completely tax free. There are annual and lifetime contribution limits in place, which means that tax benefits are greatly enhanced the earlier an investment is secured.
Benefits
- All growth on this investment is completely tax free, but is subject to legislated contribution limits.
- Tax-Free contributions are limited to up to R36 000 per year, this would mean a maximum monthly debit order of R3 000 and up to R500 000 over the lifetime of the investor. Any amounts contributed which are over these limits will be taxed at 40% tax payable by the investor.
- The maximum contribution to this product being R500 000, is not based on a net account balance, but rather total contributions made during an investor’s lifetime. For example if the investor contributed R100 000 and then withdraws R50 000, the amount contributed during the lifetime stays R100 000. It does not decrease each time a withdrawal is done.
- You can customise your investment portfolio to your needs, financial circumstance and risk appetite.
- All fees levied are completely transparent.
- No initial administration fees are levied on this investment.
- Access to your money (important note: your annual and lifetime contributions will not be reinstated if you withdraw your investment).
- Financial advisors – you may choose to appoint a financial advisor (if required). Alternatively, you may invest directly with Fairtree.
- Regular reporting – we provide regular and easy-to-understand investment reports.
Portfolio Sheets
MDD/Fund Fact Sheet publishing
Preservation Plan
Introduction
Preservation plans are easy-to-understand, pre-retirement savings solutions. These plans assist to preserve your savings and allow your retirement savings to continue to grow, once you have left an employer’s pension and/or provident fund.
Benefits
- All growth (capital and income) within this investment is completely tax free.
- Tax neutral transfer of retirement benefits (assuming tax affairs are in order).
- Flexible investment choices – members preserve and grow their retirement benefits already accumulated.
- Transparency – all fees levied on our portfolios are fully disclosed.
- No initial administration fees are levied on this investment.
- Financial advisors – you may choose to appoint a financial advisor (if required). Alternatively, you may invest directly with Fairtree.
- Regular reporting – we provide regular and easy-to-understand investment reports.
Portfolio Sheets
MDD/Fund Fact Sheet publishing
Unit trusts
Model Portfolio
The Fairtree Moderate Portfolio aims to outperform the benchmark net of investment management fees, over any rolling 5 year period. The portfolio is diversified across the major asset classes utilizing a multiÂ-manager approach, whereby fund managers are combined based on their skills and expertise.
Retirement Plan
Introduction
Retirement plans provide individuals with a tax-efficient, easy-to-understand and cost-effective way to save towards their retirement. Contributions can be made via debit order, direct deposit or facilitated by your employer.
Benefits
- Member contributions are tax deductible (subject to legislative limits).
- Flexibility – as an investor, you may choose from a broad range of industry-leading portfolio managers. This ensures that your investment is suited to your personal financial needs, circumstances and risk appetite.
- Transparency – all fees levied on our portfolios are fully disclosed.
- No initial administration fees are levied on this investment.
- Financial advisors – you may choose to appoint a financial advisor (if required). Alternatively, you may invest directly with Fairtree.
- Regular reporting – we provide regular and easy-to-understand investment reports.
- The group contribution option is an extremely cost-effective retirement savings solution for small and medium-sized businesses, that is simple to administer.
Portfolio Sheets
MDD/Fund Fact Sheet publishing
Portfolio Illustration
Model Portfolio
The Fairtree Moderate Portfolio aims to outperform the benchmark net of investment management fees, over any rolling 5 year period. The portfolio is diversified across the major asset classes utilizing a multiÂ-manager approach, whereby fund managers are combined based on their skills and expertise.
Living Annuity Plan
Introduction
A living annuity is a post-retirement savings and income solution that helps you grow your retirement savings while providing you with a regular income. The Living Annuity Plan is underwritten by Hollard Life. We employ a Unique Risk Bucket approach to our strategies.
Benefits
- Growth within your investment is tax-free. You only pay tax on your regular income payments, at your income tax rate.
- You have a diverse range of portfolio options from a range of industry leading portfolio managers.
- Flexible income payments – you can select an income payment of between 2.5% and 17.5% (per annum).
- Transparency – all fees levied on our portfolios are fully disclosed.
- No initial administration fees are levied on this investment.
- Your Investment Policy is exempt from estate duty and executor’s fees.
- The value remaining of your investment will be paid out to your specified beneficiaries when you pass away.
- Regular reporting – we provide regular and easy-to-understand investment reports.
- Financial Advisors – You may choose to appoint a Financial Advisor (if required). Alternatively, you can invest directly with Fairtree.
Portfolio Sheets
MDD/Fund Fact Sheet publishing
Our Post Retirement Illustrations
Unit Trusts
Introduction
Our discretionary and unit trust offering, offers a wide range of affordable investment portfolios. Whether your goal is to secure steady income or growth in excess of inflation, diversification through balanced portfolios or more aggressive capital growth, these portfolios are tailored to meet various investment objectives.
Benefits
- Access to various asset classes (domestic and international) and extensive investment management experience.
- Control and flexibility – all fees levied on our portfolios are fully disclosed.
- All fees levied are completely transparent.
- No initial administration fees are levied on this investment.
- Financial advisors – you may choose to appoint a financial advisor (if required). Alternatively, you may invest directly with Fairtree.
- Regular reporting – we provide regular and easy-to-understand investment reports.
Portfolio Sheets
MDD/Fund Fact Sheet publishing
Unit Trusts
Retail Investment Funds
The fund aims to provide maximum long term growth by investing in a diversified blend of worldwide assets and strategies, including alternatives.
This fund is not constrained by Regulation 28 and it is our best opinion on a balanced investment view.
The objective is to provide competitive after inflation annualized returns measured in rand over a 7-year period.
Qualified Investment Funds
The fund aims to provide maximum long term growth by investing in a diversified blend of worldwide assets and strategies, including alternatives.
This fund is not constrained by Regulation 28 and it is our best opinion on a balanced investment view.
The objective is to provide competitive after inflation annualized returns measured in rand over a 7-year period.