It is that time when we review performance on all our investments. It is an exciting time this time around as we see growth in tax free savings, direct investments and pension preservation funds. For some investors, it is very difficult to step into the unknown and we take a lot of time to explain the info on the fund fact sheets. So it is exciting to be able to share with them how their investments have performed, in Rand terms. Below we share with you just three of the pension preservation funds that we hold for our customers. We hope that this sharing will help you to realise the advantage of taking a portion of your pension and invest it offshore for optimum growth.

Customer 1

Below is key info for this customer. She is so busy she barely reads even my messages but I make a point of summarising info for her and send voice notes to keep her informed.

• Pension was preserved in July 2022
• Initial investment was R857 212,71
• Growth =  R324 279,16
• Pension value net of fees, interest = R1 129 048,07

Customer 2

She phoned and informed us that one of our customers had referred her to us. She wanted to move her pension preservation from elsewhere because she wasn’t happy with the growth. Her friend had told her that she had preserved her pension with us and she was happy. This prompted me to look at the friend’s pension preservation statement and this is how it looks:

• Date pension was preserved  June 2020
• Initial amount invested R289 947,25
• Amount withdrawn -R200 000,00  in Feb 2023
• Growth R105 130,11
• Pension value as at 14 November 2024 = R176 959,56, net of fees, interest & taxes

Customer 3

I understood why she wanted to move her pension and invest it with us but I was reluctant at first because I was wondering if she had given the pension preservation sufficient time to grow, where she had invested it. But as I listened to her and gathered key facts, I realised that we could assist her to move her pension preservation and invest it for her. Key info about this pension preservation;

• Inception date for the pension preservation 09 October 2023
• Capital invested R357 792,03
• Growth R92 150,06
• Fund value as at 14 November 2024 = R445 780,25

So if you are resigning from your job and you want to preserve your pension or you have preserved your pension and you are not happy with your growth, contact us.

Such excellent growth is as a result of the following:

• Investing your pension and giving it time to grow
• In some instances as with customer 3, you invest when the markets are in a very good growth phase and you capture growth from the onset but that said, never try to time the markets, you will fail dismally
• Staying the course and not trying to switch between funds simply because the fund you are invested in is not performing well at that particular time. As an example, one of the offshore funds that has given customers the most growth returned +96% in 2023. This very same fund had given -33% in 2022. It takes a lot of courage to stay put when this happens but it truly works
• For younger customers below age 50, pension preservation is a long term investment so these customers could afford to be aggressive in their investment approach. Taking on higher risk does result in exceptional growth, most of the time