Empowering members through informed decision making
Planning for Financial Freedom
As a Level 2 B-BBEE contributor, our focus is to positively change the landscape of the financial services industry in South Africa.
We are a financial services firm offering customised financial planning services to retirement funds and their members.
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.
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.
We help you
How to save enough during your working life
Why you should not cash in retirement savings
How to invest optimally before retirement and during retirement
What we do
Whether you require advice or simply need another opinion,
our qualified independent advisors will gladly assist you
Contact us for an advice consultation session before making decisions about your retirement fund benefits
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.
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.
We work tirelessly with your retirement fund in pursuit of excellence
We have extensive knowledge and experience in financial planning strategies including taxation of public sector fund benefits
Our services are geared to changing the behavior of members to ensure a better outcome for them throughout their retirement
For Fund Members
Our qualified and experienced advisors will gladly assist you with the planning and preparation for your retirement.
Using our in-depth knowledge and experience in financial planning strategies we can provide comprehensive financial planning reports.
Our accredited financial advisors can provide you with in-depth financial advice and investment solutions.
We monitor the sustainability of your income and associated risks post-retirement and provide annual reports for retirees.
For Trustees of Retirement Funds and Employers providing retirement funds
We provide specialised solutions to best position your fund as a market leader.
We engage with your members and educate them about your annuity products.
We provide tailored services to assist the board of trustees to comply with Regulation 39.
We provide you with investment portfolio design and construction services.
We are here to help you
We offer the tools and guidance you require
We assist you in minimising the risk of outliving your retirement income
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 not 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.
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.
We provide services to the following clients, retirement funds and their members
Charl Swart: Managing Director
Fred Liedtke: Director
Ainsley Moos: Director
(B.Comm, Adv. PGDP in Financial Planning, CFP®, CIPM)
(BA LLB (US), Admitted as Attorney to the High Court of SA)
(BA, BPhil, MBA (US))
Our leadership team collectively has more than 40 years’ experience in the financial services industry
Our understanding of the retirement fund industry enable us to provide retirement funds and members with best advice, products and services
Charl began his career in the financial services industry in 2008, working for Adfinity Financial Services as a financial planner. In 2010, he joined Verso Investment Services (now known as Efficient Wealth) as a Wealth Manager with a focus on retirement and investment planning.
In 2014, Charl joined Naviga Solutions, a subsidiary of the Efficient Group, as a Business Development Manager and he was responsible for providing the Efficient Group’s extensive distribution network of financial planners with financial planning strategies, investment research, reporting systems and product support. In addition, he managed a team of investment consultants. In 2017, he founded Portfolium.
Fred has 25 years’ experience in the broader financial services industry and has consulted on all levels in this field. He has a broad knowledge of the industry, its challenges and solutions, on a group and member level. He has advised and consulted to many of the largest listed enterprises, in the retail sector and in the media.
Ainsley is responsible for Corporate and Stakeholder Relations at African Rainbow Capital (ARC) and serves on the boards of a number of ARC’s portfolio companies. Outside of ARC he serves on the Stellenbosch University council as vice-chair and on a number of council committees. He also serves on the board of Casidra, a state-owned entity of the Western Cape Provincial Government where he is vice-chair of the board and serves on a number of board committees. He previously spent 6 years with Sanlam and 11 years with Media24, a Naspers subsidiary.
For any general inquiries, please complete and submit the contact form below.
Combined HQ Building, 2nd Floor
4 Bridal Close
Tel: 021 915 3580
Portfolium Proprietary Limited is an authorised financial services provider.