Every new relationship we nurture begins with a conversation. Getting to know who you are and what you envision for yourself is just as important as planning your wealth creation plan.
By gaining insights into your financial circumstances, we have the ability to carefully craft a tailored financial roadmap that is just as unique as you are. Part of this analysis is understanding what you see as financially important. Our personalised approach ensures that the perfect plan is specifically designed according to your needs.
The first step towards personal financial security is Investment Planning. With our guidance, we will help you understand the information around investment opportunities and advise you on the best possible solution for your future financial freedom.
Our financial planners will assist you in selecting the right investment strategy. The products we use at the implementation stage include:
Retirement annuities, unit trusts, endowments, living annuities, sinking funds, tax-free savings investments, exchange-traded funds (ETFs), personal share portfolios, structured notes, money market accounts and fixed deposits.
All of these products form part of an individual investment strategy that we compile for our clients based on their personal and unique circumstances.
Over the years, we have discovered that fewer people are planning for their retirement. With the global average life expectancy increasing, there is a higher probability that you will not have enough funds for your golden years without proper retirement planning in place.
Retirement planning forms a substantial portion of your personal financial strategy. It is vital in order to secure the lifestyle you want to enjoy when you stop earning an income.
We are well-equipped to design, advise and grow your wealth plan for retirement.
Estate planning is a big part of your personal financial planning process. It is where we manage the assets that you have accumulated during your lifetime in order to facilitate your desired succession plan.
We handle estate duty, taxes and other costs related to death while reducing costs as best as we can to protect your beneficiaries. Our mission is to ensure that your legacy lives on for future generations.
Your will simply lays out exactly how your estate should be distributed amongst your beneficiaries. This should not be confused with estate planning. A will that has been drafted with the necessary care and diligence will ensure your wishes are carried out in line with your estate planning and final wishes.
One of our main goals is to educate and encourage our clients to plan for their death. By empowering our clients with information, we can help them understand the financial implications death has on their loved ones. Other risk factors such as disability and illness may produce similar life-altering results.
With our personal financial planning analysis, we address all of the possible risks and how to utilise your financial resources to best cover these events.
We take the time to source the right products for your unique needs, reviewing these at regular intervals to ensure they suit your specific and unique circumstances.
Life insurance is the foundation of your personal financial planning. We will choose the right plan to suit you and your family’s life.
Living with a disability while not having the financial means to upkeep your lifestyle can be devastating to both you and your family. Disability income insurance provides financial protection for when you may become disabled and are unable to earn an income.
Living with a disability while not Dread disease insurance ensures that you are able to financially support yourself and your family while securing insurance for medical aid shortfalls and related expenses. The right policy extension can ensure you can obtain the best medical attention and live a fulfilling and meaningful life.
At Victus, we understand that the best healthcare practices are complex and overwhelming to comprehend. This is why we make client education our focus. Our goal is to help you better understand your medical scheme benefits and range of cover.
We often find that members are only made aware of the shortfalls and risks within an option when uncontrollable healthcare events occur. We enable our clients to understand all the relevant benefits that a medical scheme can offer, including shortfalls.
We have contracts with numerous medical schemes allowing us to guide, educate and protect our clients, providing the right advice for you to make an informed decision.
Did you know that service providers are entitled to charge more than the medical scheme rate? Some hospital and comprehensive medical plans offer cover at 100%, 150% or 200% of medical scheme rates for hospitalisation only, while the actual costs could be up to 500% of medical scheme rates.
Many medical aid members do not consider that there is often a shortfall between what a medical scheme will pay and the actual cost of an in-hospital procedure or treatment. The shortfall would become your responsibility which is where gap cover fits in.
A gap cover policy will cover the difference between what your medical scheme will cover and the actual cost of your in-hospital doctor’s bills up to a maximum of 500% of medical scheme rates.
While seen as a grudge purchase, car and home insurances are more of a necessity these days. The car and home insurance policies offered through Victus ensure that you get the best cover and value for your finances.
We ensure that your car, home and other assets enjoy legal liability cover, paying compensation to any third party for losses incurred to their property and/or person, whether it be injury or death. We advise our clients to include unique features such as all-risk blanket basis cover for personal belongings away from your home, flexibility of excess structure, off-road use, and even a premium free January benefit and a self-insure fund.
At Victus, we manage both short and long-term insurances with ease, skill and flexibility. Within the personal financial planning process, we include an analysis of short-term insurance which may be required more frequently and at varied scales.
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