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Offshore Investment Options

Investment Consulting Firms In South Africa HoflandYou have 1 of 2 options.
Option 1 – Physically take you money offshore
Offshore Investment South Africa based allows a person to take a maximum of R10 million a year offshore subject to SARS tax clearance and a maximum of R1 million without tax clearance, however this amount needs to be registered with the SARB (South African Reserve Bank) and placed through an authorised dealer, such as most of our South African banks.
Once the money is offshore, you may do with it as you please. Keep it in your bank account or invest it. If you have invested overseas, your investment will still form part of your estate and you will be liable for estate duty in the jurisdiction in which you invest.
Option 2 – Foreign rand-denominated funds.
In South Africa most asset managers offer offshore unit trust funds or ETF'S (exchange traded funds) which are funds priced in rands which does not require a SARS tax clearance, but your capital invested offshore, which is made in rands and paid out in rands on disinvestment in South Africa gives you the global diversification and foreign currency exposure you want.
Note that Living annuities, pension/provident funds and/or retirement annuities may have offshore exposure in your underlying investment choice. Regulation 28 which governs how pension funds are to be invested stipulates that a maximum of 25% of your capital can be invested offshore.
What should you consider?
If political risk is one of your main concerns, you need to consider Option 1 and actually move your capital offshore. Investing this way means you never have to repatriate or convert the investment back into rands unless this is your choice.
If you don't have a large lump sum, but still want a rand hedge investment option then Option 2 is the way to go.
Hofland is one of the leading Investment Consulting Firms In South Africa who are proud providers of cost effective Retirement Investment Options and we are experts in how to utilize your hard earned income by minimizing your tax liabilities to ensure more funds are saved for Retirement.
We will kindly advise you on the best Offshore Investment options. For Investment Consulting Firms In South Africa contact us on 082 570 3629.

Should You Invest Your Money?

Investment Advisors South Africa HoflandYES! Many first time retired investors think that they should invest all of their savings. This isn't necessarily true. To determine how much money you should invest, you must first determine how much you actually can afford to invest, and what your financial goals are.

Here at Hofland we offer professional retirement Investment Advisory Services In Pretoria which are unbiased, truly independent and transparent. We will ensure that the best and most competent fund managers are selected to manage your investments, taking into accounts all costs, main investment risks and the investor's own risks. We will kindly advise you on how much you should invest.

Hofland are professional Investment Advisors South Africa based who are proud providers of cost effective Retirement Investment Options and we are experts in how to utilize your hard earned income by minimizing your tax liabilities to ensure more funds are saved for Retirement.

Contact us directly on 082 570 3629 or visit our website at http://www.Hofland.co.za to consult with one of our Investment Advisors South Africa based.

Tip For The Day: Never borrow money to invest, and never use money that you have set aside for investing!

Why You Should Choose Hofland

Fund Managers In Pretoria HoflandTRANSPARENCY: Our professionals will demonstrate care, honesty and fairness to all stakeholders

INDEPENDENT: To choose the best fund managers to achieve the main objective of an investment which is to beat inflation costs and capital preservation over the long term.

DIVERSIFICATION: To spread your investment across reputable Fund Managers In Pretoria, all listed asset classes, local and foreign in order to minimize the impact of investment risks, volatility of movements in the financial markets, market risks, interest rate risks, foreign currency risks, liquidity risks and more.

VALUE TO CLIENTS: Our services will assist our clients to ensure that the objectives of capital preservation and investment performances of consistent returns that outperform inflation and costs over time periods.

PROFESSIONAL: All our advisors are Chartered Accountants and or Certified Financial Planners and are formally certified by SAICA (SA Institute of Chartered Accountants) and /or FPI (Financial Planning Institute).

Hofland are professional Fund Managers In Pretoria who are proud providers of cost effective Retirement Investment Options and we are experts in how to utilize your hard earned income by minimizing your tax liabilities to ensure more funds are saved for Retirement. Contact us directly on 082 570 3629 or visit our website at http://www.Hofland.co.za for more information on our Retirement Investment Options South Africa based.

Investing For Retirement

Retirement Investment Options South Africa HoflandLet’s start by taking a look at the retirement plan offered by your company. Once upon a time, these plans were quite sound. However, after the Enron upset and all that followed, people aren’t as secure in their company retirement plans anymore. If you choose not to invest in your company’s retirement plan, you do have other options. First, you can invest in stocks, bonds, mutual funds, certificates of deposit, and money market accounts. You do not have to state to anybody that the returns on these investments are to be used for retirement. Just simply let your money grow overtime, and when certain investments reach their maturity, reinvest them and continue to let your money grow.

You can also open an Individual Retirement Account (IRA). IRA’s are quite popular because the money is not taxed until you withdraw the funds. You may also be able to deduct your IRA contributions from the taxes that you owe. An IRA can be opened at most banks. A ROTH IRA is a newer type of retirement account. With a Roth, you pay taxes on the money that you are investing in your account, but when you cash out, no federal taxes are owed. Roth IRA’s can also be opened at a financial institution.

Another popular type of retirement account is the 401(k). 401(k’s) are typically offered through employers, but you may be able to open a 401(k) on your own. You should speak with an investment advisor to help you with this. The Keogh plan is another type of IRA that is suitable for self employed people. Self-employed small business owners may also be interested in Simplified Employee Pension Plans (SEP). This is another type of Keogh plan that people typically find easier to administer than a regular Keogh plan.
Whichever retirement investment option you choose, just make sure you choose one! Again, do not depend on social security, company retirement plans , or even an inheritance that may or may not come through! Take care of your financial future by investing in it today.

Hofland offers Retirement Investment Options South Africa based who are proud providers of cost effective Retirement Investment Options and we are experts in how to utilize your hard earned income by minimizing your tax liabilities to ensure more funds are saved for Retirement. Contact us directly on 082 570 3629 or visit our website at http://www.Hofland.co.za for more information on our Retirement Investment Options South Africa based.

Accumulate High Value Investments

Retirement Investment Firms South Africa HoflandThe main goal of modern working class professionals is the accumulation of highest value of investments by the age of retirement. For its achievement, it is vital to save on money as early as possible. Below is an example explaining the above-mentioned point.

Take the case of two investors, investor A and investor B. Investor A deposits R 12,000 each year for a period of 10 years beginning from the age of 35 without adding anything more. The total contribution by investor A comes to around R 1, 20,000. The second investor, investor B waits until the age of 45 and then, invests an amount of R 12,000 each year for the next 20 years. The total contribution by investor B comes to around R 2, 40,000. Both earn an interest of 7 % sheltered, compounded from taxes in the Registered Retirement Savings Plan.

By the time both reach the age of 65, while the investments of investor A would come to around R 686,494, the investments of investor B would come to around R526,382. The reason for the investor A doing much better than investor B is the fact that, investor A began earlier. Over time, the compounding of interest is extremely powerful.


Hofland is one of the few Retirement Investment Firms South Africa based who are proud providers of cost effective Retirement Investment Options and we are experts in how to utilize your hard earned income by minimizing your tax liabilities to ensure more funds are saved for Retirement. Contact us directly on 082 570 3629 or visit our website at http://www.Hofland.co.za for more information on our Retirement Investment Firms South Africa based.

Hofland Investment Consultants

The main reason for creating Hofland Independent Consultants was to enable us to provide our clients with unbiased, truly independent and transparent retirement investment solutions. Read More

Contact Details

Email: info@hofland.co.za
Tel: +27 12 3471801
Fax: 086 571 8263
Cell: +27 82 570 3629