How can we help you?
We are your partners in wealth management, dedicated to sharing in your journey to financial freedom.
I don’t know what I would do without Hennie and Ian! And it’s about my future financial health always. Hennie and Ian advise me on what and when to do things but their expertise is much broader and of higher value than my portfolio.
Wel as ‘n persoon wat nie juis in geldsake en beleggings belangstel of onderlê is nie, is Delfin van die uiterste belang vir ons. Ons het ons totale bates, naas ons huis, aan julle toevertrou en tot nog toe was ons tevrede en ervaar ons gemoedsrus.
The advice and friendly, efficient service that I have received from Ian, Derick and all support staff has led me to feeling that I can trust Delfin with not only my portfolio, but also other personal matters.
Ek vind die advies en persoonlike kontak gee vir my riglyne oor hoe om langtermyn finansiële besluite te neem. Ek voel Delfin het my belange op die hart en kyk na die volle prentjie.
We know that retiring comfortably takes a lot of planning. At Delfin, we provide you with a tailor-made approach to saving with retirement in mind.
We’re focused on providing you with a flexible savings portfolio, which adapts to your circumstances and evolves over time. We take an outcomes-based approach to investing towards retirement, with your financial goals key to informing our decision making process.
In compiling a tailor-made investment solution with your retirement goals in mind, we consider the following:
Tax-free Savings Accounts
No-one wants to pay unnecessary tax, so why not make use of an investment vehicle that will allow you to accumulate, restructure and spend your wealth all without having to pay any tax? The magic however lies in the compounding effect of growth over time and in using the right investments in different stages of your life. We’ll help you maximise the tax benefits, by incorporating this into your retirement plan and managing it prudently over time.
Retirement Annuities
Start thinking about your future with a retirement annuity. By limiting access to savings, you can take a disciplined approach to saving towards your retirement. We’ll help identify and explain the tax benefits to you, so that you can save towards your future in a tax-efficient manner.
Pension and Provident Funds
The best time to think about the future is now. We can help your business structure pension and provident funds, give advice to your staff on the best approach to take and help make the right decisions for future financial well-being.
Preservation Funds
When changing jobs, it’s important to preserve your retirement savings and not allow tax to derail your retirement plans. We’ll help you make informed decisions regarding managing your wealth through a preservation fund, and help you understand the differences between provident funds, pension funds and preservation funds – so that you know which will work best for you and your staff.
Living Annuities
Particularly in the early years of retirement, enjoying the fruits of your labour are sometimes just as important as leaving a legacy to your children. Through a Living annuity you can do both, but you need to plan carefully and manage your investments and withdrawals for the long-term. We will help you develop a sound strategy that evolves with time as your needs and circumstances change.
Guaranteed Annuities
For some the ultimate peace of mind – knowing that you’ll receive an income for the rest of your life. There have been great advances in this field and in the right circumstances, this is another great tool we can use to help you secure a care-free retirement.
For-Life Annuities
Another more recent innovative development, it essentially provides you with the best of both worlds - a Living annuity for flexibility and legacy and a Guaranteed annuity for certainty, all wrapped into one. As with many things financial, it can be a complex structure to grasp initially, but our passion lies in demystifying these complexities and we’ll help you figure out whether this is the right fit for you.