Investment and Retirement Planning

Investment and Retirement Planning

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The cornerstone of a solid financial plan starts with an understanding of how each part of your portfolio works, and what it can do for you. Too often, we surrender the mechanics of an investment to someone else, only to discover too late that their choices were not something we could live with.

At PIMS we take time to demystify each asset class so that you have a clear picture of why that asset type may or may not add value to your goals. This involves a clear picture of what goals you have, when you wish to realize those goals and a clear understanding of your risk tolerance.

Once we have a clear picture we can blend different asset types to a tailor-made solution for you. Regular discussion and reporting will keep us in tune with changes in your overall needs and keep you in touch with market changes that affect your portfolio and retirement plan.

Optimal asset allocation strives to provide a mix of assets, which will maximise total portfolio return and minimise portfolio risk.  Understanding your needs and investment aspirations together with your risk profile, we can invest across the globe in the following assets:

  • Cash and Money Market
  • Bonds
  • Property
  • Equities
  • Alternative Strategies

PIMS ultimate objective is to build a fortress that provides adequate annuity income in our clients later years whilst preserving and growing their capital base for future generations.

Estate Planning

Estate Planning

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It is critically important to consider the financial implications in the event of death. Too often families are left with illiquid estates and no direction on how an estate is to be wound up and distributed leaving dependents unable to continue their planned lifestyle.

We believe that Estate Planning should not be dealt with in isolation but considered as a part of your overall financial plan. To achieve this we assist our clients in the following:

  • Calculating and minimising estate duty and estate admin costs
  • Ensure adequate estate liquidity
  • Last will and testament
  • Testamentary trusts to ensure minors inheritances are managed according to your wishes
  • Inter-vivos and offshore trusts

Risk Planning

Risk Planning

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As part of our holistic financial planning process and together with our clients, we identify the risks and threats that could potentially inhibit them from reaching financial independence. It is important to mitigate these threats and constantly review and refine the risk plan as our clients enter new life stages.

We gather solutions from various professional affiliates and discuss with our clients the most suitable and affordable options to implement. These solutions may include.

  • Life Cover (Income and Lump sum)
  • Disability Cover (Income protection and Lump Sum)
  • Severe Illness Cover

Corporate Benefits

Corporate Benefits

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Many employees rely on their pension/provident funds with their companies to ensure that they retire comfortably. Not only are you able to help employees secure financial freedom but you also place your business in a more competitive position when recruiting and retaining staff.

We assist in setting up new, and reviewing existing corporate benefit structures by assessing the cost structure, investment fund structure and other benefits. In doing so we ensure that they best suit the needs of the company and its employers in the most cost effective way.

Business Assurance

Business Assurance

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The continuity of a business can be threatened by the passing or disablement of key individuals or owners/shareholders of a business. We provide advice and implement solutions for the businesses unique needs including:

Key Man Insurance

Buy and Sell Agreement

Contingent Liability Cover.

Short Term Insurance

Short Term Insurance

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We assist through our professional affiliations in catering for all Short Term Insurance needs from small house contents to complex commercial assets.