INVESTMENTS

There are lots of different ways of making your money work for you, so with a variety of investments such as :

Short, Medium and Long Term Investments. There are many ways of achieving growth while still enabling you to experience tax relief and maintain flexibility. By diversifying your portfolio with local and international investments, our goal is to beat inflation each step of the way.

With 30 years of assisting clients, what we at Pecinia Brokers have learnt is that with our experience we are able to offer you a confident attitude, which enables you to be contempt in your decision to do business with us. We understand that growth, capital security and liquidity of capital are all of vital importance to investing clients.

Types of investment products. Voluntary saving plans, Retirement capital – This includes all types of Retirement benefits, such as Pension Funds, Provident Funds, Annuities and Divorce settlements.

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THE TAX FREE PLAN

The Tax Free Plan is a simple and transparent savings solution for your savings needs. All growth in the plan is completely tax free. The Tax Free Plan puts you in control of your savings and encourages you to save while giving you the peace of mind that you can access your money at any time.

The government has set up regulations that limit you to investing a maximum of R33 000 per tax year, and R500 000 over your lifetime in a tax free plan. If you set up regular investments, the R33 000 maximum per tax year means you can invest up to R2 750 per month. These limits are expected to be reviewed from time to time by the government.

The Tax Free Plan is suitable for individuals who want:

Tax free investment growth
Access to their money when they need it – at no cost
Flexibility to pay as and when they can via lump sum investments or on a regular basis with regular investments
An investment with no commitment to a specific term
To choose their own investment funds from a selection of leading funds in the market

EDUCATION PLAN

Being a parent and a professional requires lots of juggling. While growing your career may be one of your biggest priorities right now, being a parent also requires you to make the best choices for your children’s future.

The financial decisions you make today will make all the difference to your child’s future – which school they’ll attend, what sports they’ll play and what extra-mural activities they’ll enjoy. Luckily, these financial decisions don’t have to be difficult, and you don’t have to make them on your own.

Tax free savings plan
Education plan

PROTECT YOUR CHILD’S EDUCATION, EVEN WHEN LIFE HAPPENS

Your income is the cornerstone of your family’s day-to-day life. It’s used to pay for everyday expenses such as food, clothing, bond repayments and most importantly, your child’s education fees. But what if you become injured or ill and can’t work? Will you still be able to afford to send your child to school or university?

DISABILITY AND SICKNESS COVER

You can choose to get a monthly income to help replace any lost income if you can’t work, even if it’s for a couple of days or longer or you can get a lump sum for upfront costs such as making adjustments to your home or vehicle or repaying debt.

LIFE COVER

Nobody likes to think about not being around to see their children grow up, but have you thought about how you can make sure that your child gets the education they deserve if you die? Protect your child’s education with life cover which pays a lump sum that can be reinvested to pay for your child’s monthly education costs or university fees.