Investments

Working with our clients to determine and understand their personal needs and setting achievable financial objectives. We conduct holistic reviews of their financial circumstances, advise them of the most appropriate investment vehicle through which to achieve their objectives and, critically, ensure the efficient implementation of their investment strategy through an over-arching investment solution.

• Retirement Planning
• Unit Trusts
• Bespoke Share Portfolios
• Offshore Unit Trusts
• Money Market Funds
• Preservation Funds
• Offshore Endowments
• Living Annuities
• Guaranteed Investment Plans

Risk Benefits

The harsh reality is that, every day, South Africans are being diagnosed with and dying from dread diseases. The good news is that medical advances are helping us to live longer and survive previously unsurvivable illness. The bad news is that the costs involved in surviving these can be substantial and can have a severe impact on your savings. The financial risk therefore is not in dying from one of these critical illnesses but rather in surviving these illnesses.Risk planning is part of a holistic, solution-focused approach to financial planning and we pride ourselves on assisting our clients in insuring against unforeseen risks that cannot be managed. These unforeseen risks are dying, becoming disabled or contracting a dread disease prior to retirement – all of which will impact negatively on your ability to accumulate capital for retirement as well as interrupting the income flow required by you or your dependents.

• Severe Illness Cover
• Life Cover
• Income Protection
• Disability Benefits
• Buy and Sell Aggreements

In our consumer-driven society, the accumulation of assets, valuables and property increases our risk of loss and losing financial stability. Short Term Insurance enables you to manage those risks through a partnership with an insurer for an annual or monthly premium. Short Term Insurance includes vehicle, property, household, personal liability, travel and commercial insurance, ensuring you are not left with the cost of replacing lost or stolen items yourself. Short Term means that your insurance lasts for the period that it is needed and allows for changing requirements over time. Profin’s Short Term Insurance team is well equipped to meet your insuring needs. They understand that you see value in a broker, offering a variety of solutions coupled with expert advice. Each client is personally evaluated based on a risk profile and their individual needs, assisting you in choosing the correct insurance product and company. Reviewing an assortment of quotes can be daunting and confusing, but using an experienced and informed broker will ensure that the correct choices are made and that you are thoroughly aware of the inclusions and exclusions of each policy. Profin hosts a wide range of insurance products offered by a variety of product partners. Some product partners are well known to the insuring public; whereas others may offer unique products, tailor-made to suit certain risks. We consider ourselves as your risk partners and offer more than just the bottom line.

A core issue in financial planning is the need for a stable medical aid. There are a variety of factors to examine when considering health insurance such as day-to-day medical expenses, hospital visits, medication and comprehensive plans. There are a number of options available but are you, as the client, aware of the benefits, growth, cover for prescribed minimum benefits and, most importantly, the exclusions of each option? It can be an overwhelming and frustrating task to wade through all the various solutions of each medical aid. The need for professional assistance is not only helpful, but vital. Profin ensures that all medical aids represented have been thoroughly researched and independently rated with the Global Credit Rating, an autonomous company that rates medical aids on their claims paying ability. It is imperative that, when looking at a medical aid, that the sustainability, reserves and the size of the medical scheme are taken into account. The large open schemes have the negotiating power to reduce rates due to volume with providers such as doctors, hospitals, pharmacies and pharmaceutical companies. This has a direct effect on your pocket. Profin takes into account your individual needs and recommends medical options best suited to those needs.

Employee Benefits is about providing the correct products and service solutions to the most important people to your business – your employees. As a business owner, it is your responsibility to help your employees to select a suitable retirement option. Profin can assist you in choosing the most suitable retirement plan for your valued employees. Be it a provident fund, pension fund or individual retirement annuity, Profin is able to offer expert advice in this important decision. In an ever changing environment, peppered with legislature and policy, this decision requires careful guidance and expert knowledge to ensure you and your employees enjoy a stable and beneficial result year after year. Profin offers a holistic approach to employee benefits, evaluating your needs and requirements to provide a solution that works best for you, and your employees.

• Retirement Planning
• Investments
• Pension Funds
• Provident Funds
• Risk Benefits
• Group Life
• Group Funeral
• Medical Products