Just a reminder; they don’t ring a bell at the bottom or the top. Timing the market is highly unlikely.



Superior long-term returns are driven through the professional implementation of asset allocation, fund manager selection, tax efficiency, and low-cost solutions. In an increasingly globalised world, our vast range of local and global investment vehicles and diversified model portfolios allows us to construct bespoke investment solutions for our clients resulting in tax-efficient, inflation-beating capital growth over time.

“The stock market is a device for transferring money from the impatient to the patient”

– Warren Buffet –

More About

Off-Shore Investing

It has become essential that a portion of your investment portfolio should be held offshore. This provides protection against a depreciating Rand, diversifies against political and economic risk and enhances the risk-return dynamics of your investment portfolio. Every investor should be utilizing a portion of their individual R1,000,000 discretionary allowance or additional R10,000,000 offshore investment allowance as permitted by the SA Reserve Bank. We specialise in the setup of tailor-made offshore solutions for our clients using tax-efficient investment vehicles and pro-actively managed global investment portfolios. In addition, we facilitate the foreign exchange transfer with SARS and manage the entire process on behalf of our clients so as to alleviate the angst associated with offshore investing.

Our local & global investment product range consists of the following:

– Unit Trusts
– Endowments and Sinking Funds
– Tax-Free Saving Accounts
– Retirement Annuities
– Living Annuities
– Pension, Provident and Preservation Funds
– Share Portfolios
– Cash Deposit accounts

Plan for the future

retirement planning

Are you one of the 6% that will actually be able to retire financially independent?

Planning for your golden years to ensure that you realise your future retirement needs is essential and can only be achieved with a sound retirement plan. You will require a comprehensive strategy, robust investment solutions and reliable, ongoing investment advice to ensure the creation of retirement wealth. There are various retirement vehicles which have specific tax benefits that every investor should be taking advantage of, however not at the expense of liquidity and investment opportunities.  We structure client-centric retirement solutions using a range of flexible retirement products, focussing on optimising tax and estate planning constraints, whilst ensuring our clients’ investment needs are aligned with their risk profiles.

We employ sophisticated computer software systems to project future values, identify potential shortfalls and provide personal recommendations, underpinned by a sound understanding of the tax effects at retirement.

Our range of retirement vehicles consists of the following:

– Retirement Annuities
– Pension Preservation Funds
– Provident Preservation Funds
– Living Annuities
– Life Annuities

Fiduciary Services & Tax Planning

Fiduciary Services

With the purpose of providing our clients with a holistic service offering, we offer them the benefit of additional services such as the drafting of Wills at no additional cost, Estate Planning, Estate Administration and Trust Administration, all of which form an integral part of every person’s financial plan.

Last Will & Testament

It is imperative to ensure your wishes are documented when you are no longer around to look after your own affairs, which can be done by drafting your Last Will and Testament.

Why ensure that

you have a valid will?

If you do not have a valid Will, your estate will be distributed interstate, which can be a very lengthy process and minor’s inheritances may be held by the State’s Guardian Fund until the beneficiary reaches the age of 18.  This is not something any parent wants for their young children.

Having a valid Will ensures that your assets are distributed to the beneficiaries of your choosing, according to your last wishes.

Should you nominate a minor as a beneficiary, you can protect the assets by stipulating that the proceeds must be kept in a testamentary trust which can be controlled by a Trustee/s of your choosing until a predetermined age beyond the majority age of 18.

“Investing isn’t about beating others at their game. It’s about controlling yourself at your own game”

– Benjamin Graham

Living Will

A Living Will is a legal document that informs doctors and medical caregivers what medical care you want if you are unable to communicate due to an accident, severe illness, dementia or coma. It also guides your family in making decisions about sustaining your preferred quality of life, without the pressure of conflicting emotions and guilt. Additionally, we can include your request to become an Organ Donor and our Fiduciary partner will ensure that you are loaded onto the Organ Donor List.

Estate Planning

Although a person has a valid Will in place, it doesn’t mean that their assets – or the full value of their assets – will go to the beneficiaries as per their wishes. Before assets are distributed to the beneficiaries, all outstanding liabilities and expenses must be paid. These expenses include Estate Duty, Master’s fees, Executor’s fees, deathbed expenses, etc., and can drastically reduce the assets which are inherited.  This can be devastating for your family if you are the sole breadwinner of the family and have not provided for your dependents in death.

We can assist you in drawing up an Estate Plan and calculating the estimated expenses, and if necessary, putting in place a plan to ensure these expenses are funded, whether through life assurance or investments, to ensure that your beneficiaries are adequately looked after, and that your last wishes are fulfilled.

Investment Tax Planning

Tax planning is an integral part of the wealth management process. Effective tax planning requires careful attention to various taxes, duties and time frames, taking into account both anticipated tax changes and current tax law. Globalisation in financial markets requires one to also have a comprehensive understanding of international tax law and because tax is so closely related to investments and personal finance we have partnered with some of the most respected tax advisory firms in the country to ensure our clients receive the finest tax advice to meet their individual needs.

“The big money is not in the buying and selling… but in the waiting”

– Charlie Munger –

Business & Life Assurance

Risk protection is an area of financial planning that is designed to protect you against unforeseeable eventualities in the future, including death, disability, severe illness and health ailments. While you are still accumulating your wealth, repaying your home loan and saving for your retirement years, your most valuable asset is your ability to generate an income. Unforeseeable eventualities have the ability to cause huge financial losses, and we believe that these risks can be effectively protected against through insurance. Our independent nature allows us to request life and business assurance quotes from a range of service providers ensuring the cover you get meets your exact needs and objectives whilst keeping your monthly costs as low as possible. We do a full comprehensive analysis on each client to ensure the cover we put in place is adequate and relevant to their situation. In addition, we review each client’s cover on an annual basis to ensure it remains aligned to their ever-changing business and lifestyle needs and that it does not become outdated or obsolete.

Our range of corporate and individual insurance products consists of:

– Life Assurance
– Disability Assurance 
– Severe Illness/Dread Disease Benefits
– Income Protection
– Funeral Plans
– Buy and Sell Agreements
– Key Man Insurance
– Shareholders Agreement

Employee Benefits

We develop and manage a range of full corporate investment and insurance solutions. Flexibility in our investment solutions and our product offering allows us to manage companies of all different sizes ranging from a minimum of 10 employees all the way up to 1000+ employees. Many old generation company pension and provident funds have been riddled with high fees and poor back-end administration leading to employees retiring with less than expected and waiting for months to receive their payments. With Resolute Wealth’s corporate solutions you can rest assured that not only the fees you pay are amongst some of the lowest in the industry but our day-to-day administrative back-end work is handled on an individual basis and each client is attended to in their own capacity to ensure effective and efficient managing of client queries.

Our product range consists of:

– Group Retirement Annuities
– Umbrella Funds
– Pension Funds
– Provident Funds
– Group Life Schemes


Whilst we are a specialist financial advisory and investment manager, offering our expertise in local and global portfolio management, stockbroking is an additional service we offer to those clients with legacy portfolios.

Our responsibility as an advisory business is to add a layer of advice and protection to the stockbroker who manages our clients’ portfolios. Resolute has collaborated with a range of stockbrokers that you can choose from which gives you cost-efficient access to respected managers who can manage your share portfolio according to your unique needs. You can decide how involved you want to be in the decisions about your share portfolio.

Our stockbroking partners offer stockbroking services to investors seeking an efficient platform to execute and administer their own investment decisions. Alongside your advisory team you have access to an investment manager and their proprietary research. Advisory stockbroking services are designed for investors who wish to retain control over their investment decisions. Your dedicated investment manager will provide personalized technical advice and execution of trades of shares and other tradable instruments. Backed by a global investment process and high-quality research, our stockbroking partners have extensive expertise in local JSE listed securities, global securities and derivatives.

Resolute Wealth Management is an authorised Financial Services Provider – FSP No: 13798

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