Investment Planning

Investing your hard earned savings can be overwhelming. There are so many possible investment opportunities available to you, and sifting through the various options can be time consuming.
Investing your savings indiscriminately, could lead to permanent capital losses which could possibly never be recovered.

Ascor® will follow the correct investment approach and has already done this research on your behalf making the complex journey much simpler.
We apply a robust investment strategy that matches your future income and growth requirements with an investment portfolio that has a high probability of achieving the required results without taking unnecessary investment risks.

• Tax-free savings accounts
• Retirement annuities
• Establishing and managing of Group Risk and Pension Funds
• Facilitating the transfer of Pension and Provident funds to Preservation funds
• Discretionary investments
• Evaluation of current investment portfolios and making recommendations to re-structure
• General investment advice

Investment services offered by Ascor include:

The high cost of private healthcare makes being a member of a medical aid a necessity and not a luxury.

Medical Aid

Whether you are a private individual or an employer group, Ascor® can help you:

• Select the medical option that best suits your needs
• Understand and manage your benefits to your advantage
• Resolve claims disputes
• Optimize ancillary benefits such as wellness programs
• Keep up to date with changes in Medical Schemes

If you are already a member of a medical scheme, but need assistance to understand the benefits offered, or if you simply need to determine whether your current plan is the right one for you, Ascor® can assist you.

Medical Companies represented by Ascor® include:

• Discovery Health
• Medihelp

• Momentum Health
• Profmed
• Topmed

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Retirement Planning

Recent research done by insurers in South Africa indicate that only about 6% of people can retire financially independent. Fortunately, it is never too late to start saving for retirement – but it is imperative that you do start. The sooner the better.

Ascor® wants to help you make your retirement one you have earned and would enjoy, we offer the following assistance:

• Financial Statements for companies
• Trusts & sole proprietors
• Audit/Independent Review
• Financial statements
• Financial statement analysis
• Processing monthly accounting records
• Management accounts, analysis
• Budgets and cash flow forecasting
• Payroll administration
• Cloud based accounting solutions
• All related tax compliance functions
• Business financial planning advice

• Establishing and articulating your retirement goals
• Calculate and assess what you need to save to achieve these goals
• Draft a retirement plan detailing the process and road to financial independence
• Manage your retirement investment portfolio to improve growth without investment risks
• Utilize tax allowances to make provision for retirement
• Having SARS subsidize a portion of your retirement planning
• Chart and measure your progress towards your retirement goals
• Draft and follow a monthly income and expense budget
• Structure the withdrawal from your retirement funds to avoid paying unnecessary taxes
• Preserve current pension and provident savings when you transfer employment

Many retirees underestimate the effect of inflation on the longevity of their retirement funds. For this reason, you need to take care to do your retirement calculations properly and as accurately as possible. If you run out of funds during retirement, chances are that you cannot be re-employed to earn income.

Financial Planning

Ascor® is a fee based practice providing independent professional financial advice. Our team of post graduate qualified CERTIFIED FINANCIAL PLANNER® can assist you in the process of developing strategies on managing your financial affairs to meet life goals or life changing events. In these uncertain times you need to ensure that you have a personal financial plan or you may run the risk of a compromised lifestyle.

• Planning of Estate and Will
• Advice on Retirement planning
• Wealth creation
• Insurance requirements
• Investment planning
• Medical Aid schemes and planning

Ascor® has a team who can assist in the following areas of financial planning:

The Financial Planning Institute (FPI) of South Africa has recognized Ascor® Financial Advisors CC for its high quality of professional standards by awarding Ascor with an inaugural FPI Professional Practice™ certification.

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Estate Planning

Estate planning is more than just having an updated last will and testament, it is the act of planning and anticipating how a person wants to transfer wealth and assets after his or her death, while minimising cost like executor’s fees, estate duty tax, capital gains tax and donations tax.

• Commercial soundness –to ensure growth and protection of a client’s assets and investments.
• Liquidity – provide income requirements of our clients and those of the client’s dependents and beneficiaries.
• Good governance – provide efficient administration of the estate, preservation of documentation and the smooth and efficient transfer of assets.
• Flexibility – a plan that will be capable of adapting to changed circumstances.
• Minimisation of all costs including taxes.

At Ascor® we put our clients at the centre of the estate planning process by providing the following objectives:

Estate planning is complex. Overlooking or neglecting any aspect thereof can create problems in the future. To prevent this, Ascor® employees highly qualified planners who will ensure that your estate planning addresses your personal requirements, are updated regularly and comply with all legal and personal requirements.

Life Insurance

Unlike short term insurance, life insurance will at some point in time be useful – everyone dies, some early, others later. It is only in a tragic event that the benefits of these product will be seen.
Each person’s risks that need to be addressed and covered may vary depending on your circumstances.

• Death
• Capital disability

The different types of risks that can be addressed using an insurance policy include:

At Ascor® we can help you establish what risks you need to address to provide for the eventuality of an unplanned crisis. As we are Independent advisers, we can shop around among the various insurers for the cover that addresses your specific need.

The purpose of risk insurance can be to cover any of the following needs (risks):

• Temporary disability
• Impairment

• Income protection
• Severe illness
• Accident cover

• Provide for a monthly income for your loved ones when you’re no longer around (death)
• Settle any debts at death eg. bonds, car financing, credit cards, bank overdrafts etc.
• Provide for settling any debts should you become permanently disabled due to sickness or an accident
• Replace your monthly income should you become permanently disabled and can no longer earn a salary
• Provide a lump sum payout when diagnosed with a life threatening disease or suffering a heart attack.

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Keep calm and have an investment plan

Have you ever heard people talk about stocks, bonds, or mutual funds and it all sounds a little confusing? If you understanding some basic information about investment Ascor® can help you to take that first step in learning how to invest. 

It is very important to know your path to retirement, or maximizing the rate of return

A financial investment is an asset that you put money into with the hope that it will grow or appreciate into a larger sum of money. The idea is that you can later sell it at a higher price or earn money on it while you own it.


In South Africa, the daily and Sunday newspapers are filled to the brim with political scandals in South Africa, economic problems and anything in between.

What, if anything, should be done about all this noise in the market and how should it influence your investment portfolio?

It is true that many investors, especially those who have retired or are retiring soon, watch the news with trepidation. Every new scandal seems to move the markets, which is already showing signs of a general slowdown in the current economic climate.

And one cannot argue that the negative news and depressed economy is influencing your investment portfolio. Over the last 12 months for instance, the overall JSE has declined by 7% and from week to week many indicators swing wildly from positive to negative growth.

What is interesting, is that the investors who take the largest loss and see the biggest decline in their portfolio, are those that panic and try to react to the newest short term scandal and its impact on the market.

Apart from incurring costs by hurriedly extracting or moving his or her investments, this investor often loses out on the initial growth spurt thereafter, when the market recovers from the short term movement.

Here are two pieces of advice that Martin de Kock, director of Ascor® Independent Wealth Managers suggest in an unstable market.

Stick to the plan

 A good investment plan, with well-defined end-goals and clear investment parameters will almost always outperform those investments that try to time the market or that reacts to every bit of bad news.

Apart from giving consistent long-term growth, a solid investment plan saves you the stress of worrying about every move in the market.

Invest off shore

In difficult markets such as these, it is prudent to invest as much as possible in more stable and better performing off shore investments. The South African government, through Regulation 28, restricts this investment to 25% of a portfolio and we usually advise that you make maximum use of that.

One should also keep in mind that most of the Top 40 listed companies on the JSE make the bulk of their income abroad, so simply investing in these shares can give you indirect exposure to off shore markets.

In conclusion, you should never panic, because panicked decisions cost you dearly. To help with that, create a long term plan and increase your exposure to off shore investments.

Lastly, get a professional Certified Financial Planner (CFP) on your side and they will help you keep calm and plan for the long run.

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