Investment Planning is the process of identifying appropriate and tax-effective solutions which align to your financial objectives and risk appetite that you are prepared to take to achieve those objectives. Investment Planning seeks to accomplish two equally important goals that naturally conflict with each other:

  1. Maximize return on investments.
  2. Minimize investment risk.

Effective investment planning seeks to balance these two goals in all areas of the investment process so that the investor can achieve the desired outcomes. Broadly speaking, most investors seek to achieve one or a combination of the following objectives:

  • Wealth creation
  • Wealth protection
  • Income generation

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Frequently Asked Questions

What type of goals are relevant to saving and investing?

There are various goals that investors want to achieve. The important thing to note from ‘goal setting’ is the time element. Goals can range from short-, medium- and long term. Some examples like buying your first house, going overseas on holiday or even investing towards your child’s tertiary education. Investing is a continuous process that needs proper planning and guidance toward these goals.

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What are the types of investment products available?

There are a variety of options available for you to invest in. From standard Unit Trust, Tax-Free savings, Endowment plans, Retirement Annuities, Living Annuities, Umbrella Funds, Preservation Funds, Wrap Portfolios and personal share portfolios. All products are relevant to certain goals and needs within your financial plan.

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What is a Risk Appetite?

In investing, this is one of the first things an individual needs to determine. This is defined as the amount of risk that an individual is willing to take on, in order to meet their investment objectives/goals.

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Fairtree Private Client (Pty) Ltd is an Authorised Financial Services Provider. (FSP 12179)