Have a plan on how to create wealth
Investment and Wealth planning is about utilising financial strategies and tools to create, preserve, and grow your wealth. At RandLife we analyse your current financial status, set clear goals, and tailor strategies that encompass investments, taxes, and estate planning. This holistic approach ensures your financial well-being and legacy are secure.
What is Investment & Wealth?
At RandLife we believe that wealth is the abundance of valuable financial assets or physical possessions which can be converted into a form that can be used for transactions. We also know that the road to wealth is through proper and carefully done investment.
The Aim of an Investment & Wealth Plan
We offer you solutions to plan, invest and create wealth
What would be the point of working if you can’t create wealth?
At RandLife we know that with so many investment vehicles available out there, it can be confusing to decide.
Once we have identified your future and financial goals, we will help you to transform these into an investment plan specific to your needs. You will benefit from a clear understanding and feel more in control of your finances
Fixed term deposit and bonds are financial products through which an individual (natural person) or a company (legal entity) deposits an amount of money in a financial entity during a specific period of time in exchange for remuneration at a previously fixed interest rate. Interest can be paid in full after the term has ended or periodically during the term of the deposit
At RandLife we employ fixed-term deposits and bonds as part of our lower-risk savings solutions. By investing a lump sum for a specified term you are able to earn a guaranteed interest return while preserving your capital. These financial instruments offer secure ways to grow your savings.
A unit trust is a form of collective investment constituted under a trust deed. A unit trust pools investors’ money into a single fund, which is managed by a fund manager. Unit trusts offer access to a wide range of investments, and depending on the trust, it may invest in securities such as shares, bonds, gilts, and also properties, mortgage and cash equivalents.
At RandLife we utilises unit trusts to offer individuals a convenient and cost-effective way to invest. With unit trusts, individual investors contribute their funds, which are then pooled together into a diversified portfolio of assets, managed by experienced professionals.
This approach minimises risk and provides the convenience of professional management, saving investors time and effort. Additionally, unit trusts are affordable and offer liquidity, making them accessible and flexible investment options for our clients.
Tax free refers to certain types of goods and financial securities (such as municipal bonds) that are not taxed. It also refers to earnings that are not taxed. The tax free status of these goods, investments, and income may incentivize individuals and business entities to increase spending or investing, resulting in economic stimulus. Tax free may also be known as tax-exempt.
RandLife will utilise tax-free investments to help clients earn returns without tax implications. These investments are channelled into diversified portfolios through unit trusts, offering exposure to different asset classes at lower costs. This strategy optimises returns while minimising tax burdens and management fees while still investing in the market.
At RandLife we help you get Endowment Plans that are medium-term investments that give you access to a wide range of funds, managed by leading fund managers. These plans will suit you if you can keep your money invested for at least five years. And we reward you the longer you stay invested, the more you invest and the healthier you become. Whether you choose to invest a lump-sum or monthly, locally or offshore, we have a plan to meet your needs.
Our team make use of endowment policies to help individuals in higher tax brackets capitalise on tax benefits while simultaneously growing and diversifying their investments. Endowments provide tax advantages, encourage long-term growth, offer diversification, and come with professional management, making them a valuable financial tool for our clients.
We offer advice on both South African and Offshore investments.