Customised Financial Solutions
Proudly Celebrating 45 Years of Service to our Clients
Personal Trust offers personal, professional investment management and financial services, providing a holistic view to tailor solutions for each client and their family.
Investment Management
Investing wisely, protecting generations.
At Personal Trust, we aim to protect and grow our clients’ capital over the long term. We have an experienced investment team who target consistent and competitive investment performance through a robust decision-making process, led by our Investment Council.
- Protect and grow capital through robust, council-led investment decisions
- Full range of local and offshore unit trusts and asset classes
- Individually tailored portfolios and carefully vetted external funds
Our Investment Solutions
Our Investment
Solutions
The Personal Trust range of unit trust funds provides an efficient platform through which our fund managers can manage assets on behalf of investors. Unit trusts are highly regulated, transparent, and cost-effective investment vehicles.
Financial and Retirement Planning
Investing wisely, protecting generations.
- Structured plans for every life stage, reviewed as priorities change
- Focused pre- and post-retirement planning
- Helping you stay on track with your financial goals
Regardless of your age or stage in life, it is never too early to consider your financial and retirement plan.
A focused and appropriate financial plan is a critical first step in ensuring your short and long-term financial goals are in line with your life plan. This plan should be constantly reviewed as your financial priorities change during the course of your life. We will assist in structuring this plan and reviewing it on an ongoing basis, ensuring you are on track to meet your financial goals.
Pre and post retirement planning is an essential part of our service offering and forms a large part of the work we do for our clients, and have done for the last 40 years.
Estate Planning
Preserve your legacy, protect your family.
- Smooth succession and protection for heirs
- Minimise taxes, costs and ensure liquidity
- Tailored Wills, Trusts and unique estate structures
On death, effective structuring and planning of your estate ensures smooth succession of assets to the people and organisations that you care most about. It provides protection for your heirs, especially those who are less able to look after themselves.
An effective estate plan further ensures that estate duty, taxes and other costs are minimised on death while at the same time ensuring sufficient liquidity to cover costs and other liabilities on death.
Every family situation is unique and requires its own plan. We can assist with a detailed assessment of your financial position on death, structuring of your Will, setting up and administering of a Trust or applying other estate planning tools where appropriate.
Money Market Facility
Trusted cash solutions, tailored for you.
- Access a full range of Money Market investments
- Benefit from high-volume syndicated rates
- Protected, flexible investing from as little as R10 000
Our Money Market facility offers clients a full range of short- to long-term Money Market investments. Because of the size of our book, we are able to attract higher interest rates than those available to individuals over the counter from any of the major banks.
All investments are dealt with on an agency basis by Personal Trust Nominees RF (Pty) Ltd. and are protected by the provisions of the Financial Institutions Act. For as little as R10 000 you can enjoy large volume syndicated rates – you don’t have to be an existing Personal Trust client, nor are you obliged to use any of our other services.
Fiduciary Services
Protecting legacies with expertise.
- Personalised fiduciary support: Trust formation, Wills, estate administration
- Professional specialists providing care and safe custody of your legacy
In keeping with Personal Trust’s philosophy to provide our clients with personal attention and tailor-made financial solutions, our team of fiduciary specialists offer professional fiduciary services including: Formation and administration of Trusts, Drafting and safe custody of Wills, Administration of Deceased Estates.
Formation and Administration of Trusts
We help clients create and manage Testamentary and Inter Vivos Trusts – valuable estate planning tools that protect and preserve family wealth for future generations through carefully structured legal arrangements.
Drafting and Safe Custody of Wills
Our specialists draft, review and securely store valid Wills that reflect your wishes, help minimise taxes and estate duty, and ensure your legacy is protected and up to date as your life and circumstances change.
Administration of Deceased Estates
Tax
Expert tax guidance, year after year.
- Professional tax planning for individuals and trusts
- Annual and provisional returns, SARS compliance
- Navigate complex tax requirements with ease
Given the legislative changes and the complexities relating to tax return completion and submissions, Personal Trust is able to assist through our professional tax service. Whether you’re an individual or a Trust, we can assist with general tax planning, annual and provisional tax returns and all transactions with the South African Revenue Services.
Offshore Financial Services
Offshore solutions, personal service.
- Tailored offshore portfolios through trusted global managers
- Draft Wills, form and administer Trusts abroad
- Banking, cross-border funds and worldwide asset support
Personal Trust Isle of Man (IoM) is a wholly owned subsidiary of Personal Trust. Through our representative office in London, we are able to create individually tailored and managed investment portfolios that meet our clients’ needs through investment with trusted Fund Managers. All advice and recommendations are given via our South African representatives.
The administration in placing and monitoring the investments is carried out by the Isle of Man office. We are able to draft Wills covering worldwide assets and offer the formation and administration of Trusts in the Channel Islands. We also service our clients’ offshore requirements including assistance with establishing bank accounts in the Channel Islands, ad hoc financial advice and assistance with the movement of funds between South Africa and overseas.
Philanthropy
Make a meaningful difference.
- Live out your charitable goals
- Practical advice and structures for giving
Alternatively, utilise the Personal Trust Charitable Foundation to realise the pleasure of giving without being constrained by costs or tax implications. Download the Brochure here.