Empowering members through informed decision making
What we do
Whether you require advice or simply need another opinion, our qualified independent advisors will gladly assist you.
For Retirement Fund Members
As an independent service provider, Portfolium has your best interest at heart. We strive to create simple cost-effective investment solutions for all fund members, to ensure that your savings are not diminished by unnecessary fees. Our solutions and advice ensure the optimal application of all contributions made by you and your employer towards your retirement fund, to improve your retirement experience.
Contact us for an advice consultation session before making decisions about your retirement fund benefits.
For Trustees of Retirement Funds and Employers who provide retirement funds
In partnering with Portfolium, we can provide our value offering to your members, not only during their working careers but also after retirement, as envisaged by the default regulations. Together we will find the optimal solutions, resulting in cost-effective institutional annuity options (both life and living annuities) suitable for all your members.
We will work jointly with your investment committee to align pre- and post-retirement investment portfolios, to facilitate a “cradle-to-grave” solution for members. Our processes and technology, geared to optimise your service experience, is provided at a competitive fee that will not erode your members’ wealth.
Who we are
We are a financial services firm offering customised financial planning services to retirement funds and their members. We help you to understand how to save enough during your working life, why you should not cash in retirement savings and how to invest optimally before retirement and during retirement.
Our focus is to positively change the landscape of the financial services industry in South Africa.
Our focus is on building our relationship with you, whether you are:
- An individual retirement fund member,
- A trustee on the board of a retirement fund, or
- An employer providing your employees with a retirement fund.
Portfolium is strongly member-driven. We provide the best independent financial guidance and investment solutions for retirement fund members, that support positive financial outcomes before and after retirement. We offer in-depth knowledge and a wealth of experience in financial planning strategies, within both the private and public sector retirement fund industry.
Our Partner
Portfolium is a partner to Patrice Motsepe’s African Rainbow Capital (ARC), which is a fully black-owned and controlled company focusing on the South African and African financial services industry and businesses, which deliver exceptional return on equity.
ARC supports deserving communities and causes through a wide range of social and corporate investment initiatives. The group strives to uplift previously disadvantaged individuals by assisting them to achieve financial independence.
Our Clients
We provide services to the following clients, retirement funds and their members.
Retirement Realities
Our aim is to enable you to retire comfortably, and in a cost-effective way, with a full understanding of the product features you buy into.
For Members and Employers
For members deciding how best to manage their money at and during retirement can be a daunting task. Choosing an appropriate annuity is one of the most important financial decisions they can make.
Members in many instances base their choices on insufficient financial knowledge and insight into financial markets, and do not consider the effect of longevity on their financial planning.
Members have so many options available at retirement. How do they choose what is right for them? Expert advice is required to help members plan successfully for their retirement needs.
With retail annuity products that are generally expensive and confusing, new regulations have placed an obligation on employers and trustees of retirement funds to offer members cost-effective and simple solutions at retirement.
How Portfolium can assist you
We work in alignment with the revised ‘default regulations’ implemented by National Treasury in August 2017, which protects fund members from poor financial advice, poor decisions, and exorbitant fees after retirement.
The three default strategies aimed at improving retirement outcomes for all fund members while making saving simpler for inexperienced fund members are:
- Regulation 37: Retirement Funds must have a default investment portfolio(s) for members who do exercise any investment choice on offer.
- Regulation 38: Members leaving the service of the employer must be allowed to preserve their savings in the fund.
- Regulation 39: Retirement funds must have an annuity strategy that retiring members may elect to follow to secure a pension income.
We will assist you in protecting the interests and the investments of your fund members during their retirement, in accordance with Regulation 39.
“We offer the tools and guidance you require.”