Investments & Wealth Management
Expert investment planning tailored to your goals — from retirement annuities and tax-free savings to offshore diversification. We help you build, grow, and protect your wealth for the long term.
Why Invest
Disciplined investing is the surest path to financial independence. We help you choose the right vehicles, manage risk, and stay on track — through every market cycle.
The power of compound interest means the sooner you start, the more you accumulate. Even modest monthly contributions can grow into significant wealth over time.
Cash savings lose value every year. The right investment strategy keeps your purchasing power intact and your lifestyle protected, no matter how the economy shifts.
South African tax law rewards long-term investors. From tax-free savings accounts to retirement annuity deductions, we structure your portfolio to minimise your tax burden legally.
Investment Products
Contributions are tax-deductible and growth is tax-free inside the fund. An RA is the cornerstone of a sound retirement plan — protecting your income in later life while reducing your tax bill today.
Convert your retirement savings into a sustainable monthly income. You control how your capital is invested and how much you draw — with expert guidance to prevent you from outliving your funds.
Invest up to R36,000 per year (R500,000 lifetime) with zero tax on interest, dividends, or capital gains. The ideal long-term savings vehicle for individuals at every income level.
Access a diversified portfolio of equities, bonds, and property through professionally managed unit trust funds — with the flexibility to invest a lump sum or a monthly debit order.
A five-year insurance policy that provides tax-efficient growth, particularly for individuals in higher tax brackets. Ideal for medium-term savings goals with a predictable payout.
Diversify beyond South African borders and protect your wealth against rand depreciation. We guide you through approved offshore investment structures and foreign exchange allowances.
Key Benefits
We start with a full financial needs analysis — understanding your income, goals, risk appetite, and time horizon — before recommending a single product.
We are not tied to a single product provider. You benefit from access to leading South African asset managers, including Allan Gray, Coronation, Ninety One, and more.
Markets evolve and life circumstances change. We review your portfolio regularly and rebalance where needed — keeping your investments aligned with your goals.
From retirement fund contributions to the sequencing of drawdowns in retirement — every decision is made with your tax position in mind.
Our recommendations are based solely on your best interest. We explain every product, every fee, and every risk in plain language.
How We Work
We start with a no-obligation consultation to understand your current financial position, goals, risk tolerance, and time horizon.
Based on your analysis, we design a personalised investment strategy using the most suitable vehicles and asset managers for your situation.
We monitor your investments, provide regular performance updates, and adjust your strategy as your life evolves — ensuring you stay on track.
Why Choose Impact
We are not tied to any single provider. Our advice is objective, transparent, and driven entirely by your best interests — not commission targets.
Impact Corporate Risk Managers is an Authorised Financial Services Provider (FSP 44624), regulated by the Financial Sector Conduct Authority.
We integrate your investments with your risk cover, estate plan, and tax strategy — giving you a single, coherent financial picture managed by one trusted team.
Tools & Resources
Estimate the value of your offshore investments or international transfers in real time.
Available: R 250 000,00
Common Questions
What is a retirement annuity (RA)?
An RA is a tax-efficient retirement savings vehicle. Contributions are tax-deductible up to 27.5% of taxable income, and growth inside the fund is tax-free.
What is the difference between a living annuity and a life annuity?
A living annuity gives you flexibility over drawdown rate and investment choices after retirement. A life annuity pays a guaranteed income for life.
How do you select investments for clients?
We conduct a full financial needs analysis, assess your risk appetite, time horizon, and goals, then recommend appropriate funds or portfolios from leading SA asset managers.
A free, no-obligation financial needs analysis is the first step. Contact us via WhatsApp or phone to get started — we will create an investment plan tailored specifically to you.
Get in Touch