Risk & Investments
“A winner is a dreamer who never gives up.”
Nelson Mandela
Identifying appropriate, tax-effective solutions against your financial objectives — and the measure of risk you are prepared to take to achieve them.
What we advise on
Appropriate, tax-effective solutions matched to your objectives and the measure of risk you are prepared to take.
Read moreA comprehensive needs analysis across death, disability, trauma and retirement.
Read moreTwo distinct processes — planning for retirement, and planning at retirement.
Read moreOffshore transfers at preferential rates, with the SARS and SARB paperwork handled.
Read moreSolutions from our network of product providers
01 · Investment Advice
Investment Advice is the process of identifying appropriate and tax-effective solutions according to your financial objectives and the measure of risk you are prepared to take to achieve those objectives. Investment Planning seeks to accomplish two equally important goals that naturally conflict with each other. The first goal is to maximize returns on investments. The second is most often to minimize investment risk. Effective investment planning seeks to balance these two goals in all areas of the investment process so that the investor can achieve the desired outcomes. Broadly speaking, most investors seek to achieve one or a combination of the following objectives:
02 · Financial Planning
During a comprehensive financial needs analysis we assess your financial position at death, in case of disability, trauma and retirement and provide solutions from our network of product providers. The process involves gathering relevant financial information, setting life goals, examining your current financial status and formulating a strategy or plan how to meet these goals given your current situation and future plans.
What the process involves
03 · Retirement Planning
Planning FOR Retirement
Process that happens prior to retirement to make sure that you have sufficient savings at retirement to provide for future capital and income needs throughout your retired lifetime. The process consists of aspects such as setting goals, analyzing current provisions, the application of complex calculations and the construction of possible tax-efficient solutions to address any shortfalls.
Planning AT Retirement
Process takes place when you decide to retire. The process consists of aspects such as an analysis of current provisions, goal setting, the application of tax and other complex calculations, cash flow (Income) forecasts, construction of tax-efficient investment solutions etc. The main focus is to make sure that your provisions are wisely invested and managed to ensure that you have sufficient capital to provide for an income through your expected retired lifetime.
04 · Currency Partners
We understand that behind every currency transfer there is a story that matters to you, which is why you are our most valuable currency. We value you.
Some of the biggest names in the Financial Services industry have chosen Currency Partners as their preferred specialist Foreign Exchange provider. So, if you’re thinking of investing abroad, we’ll help you maximise the foreign currency you’ll have available to invest by giving you access to the best pricing available in the market from our banking partners. We typically save individuals between 1% and 3% on the retail exchange rates from the banks with our premium Private Client FX service.
Each South African resident taxpayer may avail themselves of their annual single Discretionary Allowance (R1 million) and/or Foreign Capital Allowance (R10 million) per calendar year, for direct offshore investment in foreign currency denominated assets. Vision has partnered with Currency Partners to assist our clients with the process of obtaining foreign tax clearance from SARS and facilitate a currency transfer of your funds at preferential exchange rates, so you save money on the exchange rates from your bank!
As one of South Africa’s largest and truly independent specialist FX service providers, Currency Partners is able to offer you access to the best available pricing in the market. The exchange rates they offer are all-inclusive, so the rate you are quoted is all you pay. There are no additional costs, fees or commissions and they typically save clients between 0.5% and up to 3% on the retail exchange rates from their bank, which translates into a typical saving of between R5,000 – R30,000 per R1 million transferred (or currency equivalent).
The benefits of our premium Private Client FX service include:
The benefits of our specialist Corporate FX service include:
Registration is free, only takes about 3-5 minutes and places you under no obligation afterward.
Contact us
An advisor will work through your position, your timelines and the measure of risk you are prepared to take.
Vision Insurance Brokers
Currency Partners
Offshore transfers — our foreign exchange partner
For more information or assistance with your individual requirements, please email info@CurrencyPartners.co.za or call +27 (0)86 0022 007 to get in touch with our friendly Client Services team.
Licensed by the FSB as an authorised Financial Services Provider (No. 35134). Authorised by the SARB to act as a Foreign Exchange Intermediary (No. 1431).
Vision Brokers is a South African financial services provider covering short-term insurance, risk, investments and health cover. Serving clients from the Tyger Waterfront since 2000.
Unit 9, Tyger Quays
Carl Cronje Drive
Bellville, Cape Town, 7530
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