WEALTH MANAGEMENT
At Courtney Capital, we help clients grow, manage, and protect their wealth through personalized financial planning and investment strategies. As experienced wealth managers, we focus on both your current goals and your family’s long-term future. We provide access to a wide range of local and global funds, retirement products and life portfolios. This allows us to build clear, tailored plans that balance growth, protection, and flexibility, giving you confidence and peace of mind for the years ahead.
Expert wealth management and financial planning, designed to protect your assets and grow your legacy. Trusted strategies and global platforms to secure your financial future with confidence.
We’re here to help you plan, grow, and protect your wealth, reach out to us today.
LIFE PORTFOLIOS
Our Life Portfolios are long-term (5 year) investment policies designed to help you grow and protect your wealth in a tax-efficient, estate-friendly structure. They are built like sinking funds, which means you can make contributions, let your capital compound, and access your money under clear, structured rules.
LOCAL LIFE PORTFOLIO
The Local Life Portfolio allows you to invest in a wide range of local and offshore funds while enjoying the benefits of tax efficiency and estate planning.
- Tax treatment: Income taxed at 30% and capital gains at 12%, all handled inside the policy.
- Estate planning: No executor’s fees or CGT if the proceeds go directly to a nominated beneficiary.
- Contribution rules: Flexible in Year 1, with the “120% rule” applying from Year 2 onwards.
- Liquidity: One loan and one surrender available in the first 5 years, with full access after that.
- Flexibility: Can be ceded or pledged as security.
This portfolio is ideal for investors who want efficient local structuring with the flexibility to access both domestic and global markets.
GLOBAL LIFE PORTOFLIO
The Global Life Portfolio gives you a straightforward way to invest directly offshore while keeping your investment structured and tax-efficient.
- Tax treatment: Capital gains taxed at 12%, with all administration handled inside the policy. No foreign tax filings required.
- Estate planning: No executor’s fees, probate, or foreign inheritance taxes. Beneficiaries receive proceeds directly and without delays.
- Contribution rules: Minimum investment of US $25,000, with additional contributions allowed from US $5,000. The same “120% rule” applies.
- Liquidity: Limited access in the first 5 years, full withdrawals thereafter.
- Investments: Wide range of offshore funds and, in some cases, direct offshore shares.
This portfolio is ideal for investors who want to diversify globally while enjoying the simplicity of local administration and strong estate planning benefits.
PRE-RETIRMENET
Whether you’re saving for retirement, preserving your benefits, or offering employees a structured plan, we provide pre-retirement solutions tailored to your needs.
RETIREMENT ANNUITY
A Retirement Annuity is a personal retirement savings product ideal for individuals who want to save independently for retirement. Contributions are tax-deductible (up to 27.5% of taxable income, capped at R350,000 per year), making it one of the most tax-efficient ways to save.
Funds can be invested into a wide range of local and global funds, all within Regulation 28 limits. Your money is preserved until retirement age (currently 55+). On retirement, you may take up to one-third in cash (taxable) and must use the balance to purchase an annuity.
GROUP RETIREMENT ANNUITY
The Group Retirement Annuity is designed for businesses that want to provide employees with a structured retirement savings plan. Like an individual RA, it’s governed by Regulation 28 and offers tax-deductible contributions.
PRESERVATION FUNDS
Preservation Funds are designed to safeguard and grow your retirement savings if you leave an employer. Instead of cashing out your pension or provident fund (and paying tax), you can transfer it into a preservation fund.
POST RETIREMENT
A Living Annuity lets you draw a flexible income from your retirement savings, between 2.5% and 17.5% per year, while your capital stays invested and working for you. Choose how often you’d like to receive income (monthly, quarterly, semi-annual, or annually) and adjust your drawdown each year to suit your needs.
With access to a wide range of funds your money has the potential to grow even in retirement, helping you maintain your lifestyle and leave a legacy for your family.
TAX FREE SAVINGS ACCOUNTS
A Tax-Free Savings Account (TFSA) is one of the most powerful savings tools available for South African investors. It lets you grow your money without paying any tax on interest, dividends, or capital gains. Start from as little as R500 per month, invest up to R46 000 per year.
Your contributions are flexible, you can withdraw whenever you need to, and with access to a wide choice of local and offshore funds, your investment can be tailored to your goals. It’s one of the smartest ways to grow long-term wealth for yourself or even for your children and grandchildren.
INVESTMENT PORTFLIOS
At Courtney Capital, we help clients grow and protect their wealth through tailored investment portfolios built on the Ninety One platform. These portfolios give you access to both local and global markets, with options that range from conservative money market solutions to diversified model portfolios and full offshore investing. Everything is managed in one place, with transparent reporting and flexibility that keeps your investments aligned to your goals.
UNIT TRUST PORTFOLIOS
A Unit Trust Investment Portfolio is one of the most flexible and cost-effective ways to invest. It allows you to access a wide range of funds across different asset classes including equities, bonds, property, and fixed income, while keeping control over your contributions and withdrawals. There are no fixed terms, so you can add or withdraw money at any time. This makes Unit Trust Portfolios ideal for investors who want professional management, diversification, and easy access to their capital.
GLOBAL INVESTMENT PORTFOLIOS
For clients who want to take their wealth offshore, the Global Investment Portfolio provides direct access to international funds and markets. This portfolio opens the door to global diversification, giving you exposure to different currencies, economies, and sectors. Importantly, it is structured to avoid the complexities of offshore probate and estate administration, while still giving you the freedom to switch investments or withdraw capital as needed. This makes it a valuable tool for investors looking to expand their horizons and protect wealth internationally.
INTERNANTIONAL PORTFOLIOS
The International Investment Portfolio is specifically designed for non-South African investors or clients who want their capital fully invested offshore. It provides a straightforward way to access a wide selection of international funds while benefiting from Ninety One’s administration and nominee structures. Withdrawals can be made in your chosen currency, and investments can be tailored to your goals. For clients with global ties or non-SA tax residency, this portfolio provides a simple and efficient gateway to international markets
MODEL PORTFOLIOS
Model Portfolios are ready-made solutions built by our Discretionary Fund Manager, Morningstar, to align with different levels of risk and return. Instead of selecting funds yourself, you invest in a portfolio that is already diversified across asset classes and professionally managed to remain in line with its objectives. Morningstar is a globally recognised, independent investment research and portfolio management firm, with deep expertise in asset allocation, risk management, and long-term investment strategies.
By partnering with Morningstar, we ensure that our clients’ portfolios benefit from world-class research, disciplined investment processes, and ongoing monitoring. This approach takes the complexity out of investing while keeping your capital actively aligned with your financial goals. For investors who want simplicity backed by global expertise, Model Portfolios provide a structured, hands-off way to build long-term wealth.
MONEY MARKET INVESTMENTS
Money Market Portfolios are designed for investors who need security and liquidity while still earning a competitive return. They are ideal for short-term savings, holding emergency funds, or parking capital while waiting for investment opportunities. With daily access to your money and the stability of low-risk instruments, they provide peace of mind while keeping your capital working for you.
Contact us today to explore which Investment Portfolio solution best fits your financial journey
FAMILY OFFICE
A Family Office is a specialized wealth management service built for high-net-worth families. Through the Ninety One platform, we bring together all family members’ investments, whether in personal accounts, trusts, or companies, into a single, consolidated view. This creates clarity and control, helping families align their wealth strategies across generations.
One of the key advantages of our Family Office service is family-level fee-sharing, where the entire family’s investments are grouped together for a single, sliding-scale administration fee. As assets grow and more members participate, the overall cost of managing wealth decreases, ensuring efficiency and scale benefits that only a family office structure can provide.
For wealthy families, the Family Office is about more than just investment management. It’s about preserving a legacy, ensuring that wealth is not only grown but also transferred seamlessly to future generations. It strengthens family governance, reduces administrative complexity, and ensures heirs are engaged early in the process. With a Family Office in place, families can focus on their long-term vision and values, knowing their wealth is being managed in a disciplined, structured, and efficient way.
Contact us today to explore how our Family Office solution can preserve and grow your family’s wealth, today and for generations to come.