0861 000 712
Fairtree Private Client (Pty) Ltd is an Authorised Financial Services Provider. (FSP 12179)
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Capital Gains Tax implications are a huge hurdle when portfolio managers need to make active investment decisions. This often results in portfolios that have ‘buy-and-hold-strategies’ and they shy away from active management. The Flexible Investment Hedge (FIH) allows a tax-efficient mechanism for active management. This, in turn, brings diversification through the blending of local share portfolios, other asset classes and hedging strategies to achieve investment objectives. It is an equity hedging structure that provides investors with the ability to hedge their equity exposure.
Structured notes are a very niche way of investing. The bank issues a note to investors in return for investment capital, which is invested in a selection of strategic underlying investment instruments. The structuring and management of these portfolios is the responsibility of the portfolio manager (Fairtree). It can consist of a single or diversified blend of instruments such as CIS, Direct Equities, Alternatives, Index Trackers etc. Traditional and alternative asset classes can be combined to create unique risk-return investment portfolios. The client’s risk tolerance, objectives and investment horizon determine the criteria for asset blending and structuring.
Structured notes have been developed primarily for longer-term growth objectives and therefore investors should at least have a three-year investment horizon when investing. Liquidity is limited to a 2 calendar months’ notice period. Because the bank is housing the assets, the investor benefits from the favourable tax benefits – Capital Gains Tax (CGT) is only payable on redemption of the investment (note) and banks are exempt from Dividend Withholding Tax (DWT). The rebalancing of building blocks within the structured note, therefore, does not qualify as a CGT event. The structure is flexible and can easily be rebalanced to provide for possible changes to the investor’s investment objectives and circumstances.
The product is subject to a minimum initial investment of R 250 000 and a minimum ad-hoc tranche of R 100 000 per fund or portfolio solution. These products also offer the following optional rider benefits, subject to the pre-approval of the bank’s credit committee: (Capital guarantees, optional borrowing and optional leveraging.)
Isabel will be the first warm-smile you see, welcoming you into our Fairtree Private Client offices.
Isabel provides assistance to our Financial Advisors and Administrators in liaising with third party Management Companies and Linked Investment Services Providers to process client instructions.
Contact Isabel:
Office: 0861 000 712
Email: [email protected]
Cell: 076 808 3999
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Whether it be to remain calm under extreme pressure, to have great attention to detail with a methodical approach to administrative work or just overall having excellent organisational skills, our team of Administrators will assist you with a friendly smile to ensure your experience with dealing with the necessary paperwork, is a positive one.
Contact Charmaine:
Office: 0861 000 712
Email: [email protected]
Cell: 084 266 1393
National Certificate: Wealth Management NQF L5
Whether it be to remain calm under extreme pressure, to have great attention to detail with a methodical approach to administrative work or just overall having excellent organisational skills, our team of Administrators will assist you with a friendly smile to ensure your experience with dealing with the necessary paperwork, is a positive one.
Contact Natasjha:
Office: 0861 000 712
Email: [email protected]
Cell: 083 883 7792
Postgraduate Diploma in Financial Planning (UFS)
Whether it be to remain calm under extreme pressure, to have great attention to detail with a methodical approach to administrative work or just overall having excellent organisational skills, our team of Administrators will assist you with a friendly smile to ensure your experience with dealing with the necessary paperwork, is a positive one.
Contact Danielle:
Office: 0861 000 712
Email: [email protected]
Cell: 083 354 1490
BA (USB) (SOCIAL SCIENCES)
With his proven management skills, Adré oversees and manages the daily office operations, develops and implements office standard operating processes (including technological systems) and also plays the main role in the Human Resources and Finance departments.
Contact Adré:
Office: 0861 000 712
Email: [email protected]
Cell: 083 302 0718
B. Econ, HOD, PDFP, CFP®, RE 1,3 & 5
Apart from his general duties as Managing Director of Fairtree Invest, Lombard also acts as the Investment Manager of Bespoke Solutions which gives him the responsibility of creating, managing and overseeing all Bespoke Solutions offered by Fairtree Invest.
Contact Lombard:
Office: 0861 000 712
Email: [email protected]
Cell: 082 576 3646
HOD 4, PDFP (USB), CFP®, RE 1 & 5
Other than being part of the management team and contributing to decision making in the company, Johan also focuses on client and portfolio relationship management.
Contact Johan:
Office: 0861 000 712
Email: [email protected]
Cell: 083 284 5736
BA (USB) (Social Sciences)
As a Client Services Manager, Adré views it extremely important to help grow business relationships with existing clients, as well as assist in bringing new clients on board. He ensures that all clients understand our investment options fully and enhances customer satisfaction from an administration point of view.
Contact Adré:
Office: 0861 000 712
Email: [email protected]
Cell: 083 302 0718
B.comm (Financial Management), Post Graduate Dip Advanced, Project Management, MBA candidate
As part of the Fairtree Select Equity Portfolio team, it is SA’s duty to implement macro views as well as stock views as part of the Bespoke Solutions.
Contact SA:
Office: 0861 000 712
Email: [email protected]
Cell: 083 655 4580
B.Com (Acc); Qualified Accountant, Post Graduate Diploma in Financial Planning
As a Portfolio Operations Officer, Wessel is responsible to compile research which will enable the team to set up quality Bespoke Solutions. Some of his other general operational duties include rebalancing of portfolios and portfolio reporting towards clients and management.
Contact Wessel:
Office: 0861 000 712
Email: [email protected]
Cell: 076 408 8236
NQF 5, RE 1 and RE 5
Leana offers operational support to the management of Fairtree Invest and also regularly engages with clients of Fairtree Invest in an administrative capacity.
Contact Leana:
Office: 0861 000 712
Email: [email protected]
Cell: 083 245 9369
B.Com: Investment, Corporate Finance & Business Management; B.Com (Hons): Corporate Finance and Investment; MBA Essentials in Business/Managerial Economics (The London School of Economics and Political Science (LSE))
With experience in data analytics, business analytics, performance dashboarding and reporting, Kheara focuses on Process Management and Trend Analysis to discover efficiency gains through strategically refining existing business processes.
Contact Kheara:
Office: 0861 000 712
Email: [email protected]
Cell: 076 496 4494
1. Determine why you are investing (e.g. Retirement? Holiday savings? Deposit on a house?)
2. Your “why” will help you set a time horizon which you aim to stay invested for, in order to meet that goal
3. You then need to determine the level of fluctuation in returns which you can stomach, during that period. (This ensures that you stay invested throughout the journey toward that goal.)
Time, Risk and Growth are closely linked and are embedded inside your portfolio’s strategy. Whether the portfolio is a 1,2,5,10 or 30-year investment plan, will determine what type of risk assets should be included inside your portfolio. When you exit your investment prematurely, it interferes with the investment strategy which is very reliant on time in order to obtain the growth you want on your investment.
