The FFG Investment Philosophy is to create and deliver Prosperity and Growth for our clients while minimizing potential negative returns.
FFG strive to effectively manage client portfolios based on the principle of identifying and evaluating potential risks and determine an effective risk control strategy.
There are many reasons why you may want to put money away: buy a new house or a second home, travel, save for your retirement, purchase a business, get married, educate your children or build up an emergency fund. And many more. In our ever-changing environment, more people are increasingly looking toward investments to achieve their life goals, reach financial freedom or just provide for a good lifestyle after retirement.
So when and how do you get started? And how do you know if your current investment plan is working for you? There are so many investment options – how will you know which is the right choice for you? And what about any tax implications?
Our team of specialists will not only provide you with professional advice and friendly service but also a unique insurance solution to suit your needs – based on your individual risk profile and market sector. FFG experience and expertise allows its advisors to provide a professional and ethical guide through the maze of investment products and helps you achieve your goals and objectives.
When you get together with your FFG financial planner, he/she will advise you on, among others, the following aspects of investment planning, as well as the best products to meet your investment goals:
- Risk appetite: What is your appetite for risk? Are you aggressive, moderate or conservative by nature? Do you prefer high risk, high return products or do you feel more comfortable with moderate risk, even if it delivers a lower return? Can you even afford to take risks? Depending on your age and your current portfolio, a high risk, high return product may not be in your best interests, even if you were up for it.
- Access to your money: How soon do you need access to your money?
- Lump sum or regular contributions: Do you have a lump sum to invest through savings or inheritance or do you want to make monthly contributions? Or both?
- Tax and legal implications: Consult with your planner to ensure that your portfolio stays on track you’re your financial goals with maximum tax efficiency.
We can help you identify the most suitable investments based on your own criteria for achieving income, capital growth or a balance between the two, whilst seeking to capitalize on any tax advantages that might be available. We will identify the most suitable financial strategy to achieve between a competitive return on your capital and an (acceptable) degree of security. Our wide range of products is carefully selected to effectively manage your risks in a cost-effective manner.
Tax free Investments
Tax free Investments
An investment that offers tax-free dividends within limits set by SARS. A good way to benefit from tax savings on investment return.
Your money is invested in a country other than South Africa. This helps to diversify your portfolio and gives you exposure to other markets.
We offer the following products: retirement annuities, life annuities, and living annuities.
An investment where your money is invested for a certain period of time at a fixed interest rate.
Also called collective investments. Investors’ funds are pooled and managed by experts. It offers you exposure to a range of assets.
An investment fund established by a foundation that makes consistent withdrawals from investment capital.
A savings account at a bank or other type of financial institution that provides good security at a modest interest rate.