WEALTH MANAGEMENT
A wealth manager and investment manager, under one roof.
Most investors end up splitting their financial life across two relationships — a financial planner for the big-picture advice, and a separate investment manager for the portfolio itself. At Cordatus, both sit with the same accountable team: investment management and compliance expertise (backed by a CFA charter) alongside wealth management and legal experience, covering everything from local and offshore share trading and portfolio construction to pre- and post-retirement planning, external manager selection, structured products, and the broader aspects of financial and estate planning.
Our clients are typically pre- or post-retirees consolidating and drawing down a lifetime of savings, business owners and professionals building wealth alongside a career, and trustees responsible for family or trust capital. What they have in common isn’t a net worth threshold — it’s wanting a wealth manager who treats their capital with the same care as their own.
INVESTMENT SOLUTIONS
01
Collective Investment Schemes (Unit Trusts)
Pooled investment vehicles that spread your capital across a diversified basket of assets, managed by professional fund managers — a straightforward way to access diversification without picking individual shares yourself.
02
Managed Share Portfolios
A direct portfolio of shares, selected and actively managed on your behalf, for investors who want direct equity exposure with a manager making the geographic, sector and stock-selection calls.
03
Endowments
A tax-efficient investment wrapper particularly suited to investors on higher marginal tax rates, where growth is taxed within the policy rather than in your own hands — useful for estate planning as well as tax planning.
04
Tax-Free Savings Accounts (TFSA)
Every rand of growth in a TFSA is free of income tax, dividends tax and capital gains tax, within annual and lifetime contribution limits set by SARS — one of the simplest tax-efficient tools available to South African investors, and often underused.
INVESTMENT SOLUTIONS
01
Retirement Annuities (RAs)
A tax-deductible way to save specifically for retirement, with the underlying investments managed in line with your risk profile and retirement date.
02
Preservation Funds (Pension and Provident)
When you leave an employer, your pension or provident fund savings can move into a preservation fund — keeping the money invested and tax-sheltered, with one permitted withdrawal before retirement, rather than triggering a full cash-out and the tax bill that comes with it.
03
Investment-Linked Living Annuities (ILLAs)
A post-retirement income vehicle that lets you choose your underlying investments and drawdown rate (within SARS limits), giving you more control and flexibility than a traditional guaranteed annuity.