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Our Services

The Portfolio Bureau fincial services

Our financial planners are ready to advise you in the following areas:

Investment Planning

The creation and preservation of wealth is a highly specialised discipline. It takes a number of factors into account, like risk, taxation and liquidity requirements, to ensure your investments suit your needs and circumstances.

We will help you design an investment portfolio tailored to your unique risk profile, cash flow needs and the duration of your investment.

Pre-Retirement Planning

Will you be financially independent when you retire? Pre-retirement planning considers your required income at retirement in relation to your existing provision, and determines any additional amounts you will need to save to reach your financial goals.

We will assist you in deciding when you can retire and whether your required income at retirement is reasonable in relation to your circumstances.

Post-Retirement Planning

Once you have saved for retirement, the funds that you have accumulated must be invested to provide you and your dependants with income. Post-retirement planning involves analysing your investments and considering the most tax-effective method of investing. A cash flow analysis forms the basis of our advice to determine the longevity of your investment.

We have access to a wide range of products, including guaranteed and flexible annuities that suit all needs and risk profiles.

Employer / Employee Benefits (Available on Group Risk basis)

Providing appropriate risk benefits and retirement savings is an increasingly important responsibility for employers. At Portfolio Bureau, we act as advisors to group Pension / Provident funds, where we:

This is an extremely competitive environment and we have found that the associated costs of Pension / Provident funds (whether inclusively or exclusively priced) should be comparatively costed on a regular basis to ensure the ongoing competitiveness of the product as a whole.

Typical Risk Benefits offered by a Pension / Provident fund
Life Cover, Income Protection (also known as Permanent Health Insurance), Capital Disability and Dreaded Disease.
Typical Investment Options for the Retirement Savings portion
Guarantee Funds, Life Stages, Single Managers, Multi Managers, Unit Trusts and Share Portfolios.

Estate Planning

Estate planning protects you and your family against the negative financial impact of death, disability or critical illness. We will help you to quantify the impact of these events and consider the most appropriate methods of managing them. Life insurance, for example, is one of the most cost-effective methods of providing for these risks.

Remember that liquidity in an Estate is essential in order to:

Medical Aid

Having the correct level of medical insurance gives you peace of mind that your family’s healthcare needs for hospital, chronic and day-to-day benefits, as well as emergency care, are covered.

Accidents are an unfortunate part of life and you cannot predict when you or your family will incur medical costs. While not everyone can afford comprehensive cover, at least a basic hospital plan is recommended.

We work exclusively with Discovery Health, FedHealth and Momentum Health, and will help you choose the right level of cover to meet your needs.

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