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Your wealth in good company

Wealth is not only created by investing your savings but also by limiting the loss of money due to a lack of experience, time, knowledge and proper financial advice. Save yourself valuable time by allowing the team at Delfin to share with you our experience, knowledge and approach to understandable and transparent financial advice.

65 and over

As senior citizens there is still much you can contribute in this world. Do some charity work, spend time with the grand-children and lend a shoulder to cry on for your kids. Your valuable advice is even more needed now.

You may even continue with your own business !

Hopefully your health allows you to still lead an active life and your retirement capital is sufficient to last you till the end of your days. It is still a good time to get financial advice and to make sure that you have the right strategy in place. The right advice now, can make a huge difference in your golden years.

You need a partner who is objective and has the knowledge and experience to help you make the right decisions.

Some of the things you would want to know and what Delfin can help you with:

What standard of living can I sustain with my retirement savings?

Longer life expectancy, inflation and the ever increasing cost of healthcare can have a significant impact on the provisions of retirees.  This reality requires proper and regular planning to guarantee your peace of mind. 

Should I downsize my property or move to a retirement/lifestyle village?

Holding costs on property have increased substantially as local governments attempt to accelerate delivery by increasing property rates and taxes. 

What should I know about utilising my company’s employee benefits?

Are you informed about the various options available under your pension/provident fund at retirement as well as the tax implications of your choices?

Do I have the correct structures in place to execute my wishes at death?

Do I need a Will if I die? Do I need a Trust? Can I create a family trust in my Will? Who will be the executor of my estate so that my assets will be divided amongst my beneficiaries as I stipulated in the Will? How can I reduce estate duty taxation?

How do I avoid and not evade tax?

Use the available investment vehicles that can reduce your income tax. Are you aware of all the deductions that are available to you?

How do much do I need for healthcare costs post retirement?

Property and lifestyles can be downscaled, but medical costs are a different matter.  One simply cannot downscale the risks of getting ill.  The best retirement plan can be negatively impacted by the wrong medical planning at retirement.  It is important to insure yourself against the risk of excessive healthcare costs.

What is the difference between a share portfolio and an equity fund?

A share portfolio is a number of shares that you own in companies that is normally traded on the Johannesburg (or other international) Stock Exchange (also known as JSE). You become a shareholder (co-owner) of that company by buying the companies’ shares. The company therefore works for you and normally pays you dividends (tax-free) every year as income to you. You can sell or buy more of the shares depending on the valuation you place on the company. The share price can go up or down, but normally increases over a longer period.

By investing in an equity fund you buy units of that fund. The fund manager takes all the investors money and buys the shares of different companies after analysing the companies' track records and performances. That way you indirectly “own” the shares in the companies via the units that you have in the fund.

The units are priced every day and can be traded (bought and sold) on any business day. The unit price can go up or down, but normally increases over a longer period.

How do I pay for advice?

How you pay will be determined by the services you require, and may include the following:

- Financial planning and consultation fees for which an invoice is issued.

- Investment advice fees on investments that are made through us.

- Commission on certain insurance policies that are implemented through us.

You will always be told what fees you will pay or how much commission we may earn before you are asked to make a decision.