Our services
At VDM Investments we already know that you are one of a
kind. Your lifestyle, commitments and dreams are all unique
to you. That’s why your Financial Planner spends time really
getting to understand you and your circumstances in order to
be able to guide you on one or more of the areas involved in
planning for your future financial success.
Debt and cash-flow management
Debt and cash-flow management lie at the heart of
financial planning and can help you achieve your
particular objectives. Through this process you will set
up a personal budget and gain an understanding of how
you should approach settling debt in relation to your
other investments.
Risk planning
Dying prematurely, becoming disabled or suffering
from a critical illness are all major events that would
have a substantial impact on you and your family’s
financial situation. This six-step process to quantify
the financial impact of these events and considers
appropriate methods of managing these risks.
You will have access to industry-leading
products through your Financial Planner.
Pre-retirement planning
Most South Africans do not retire financially
independent and only find out that they cannot afford to
retire when it is too late. Planning for retirement
considers your required income at retirement in relation
to your existing provision, and quantifies any
additional amounts that you must save in order to
achieve your objectives. You can then decide at what age
you can retire and also whether your required income at
retirement is reasonable in relation to your
circumstances.
Post-retirement planning
Once you have saved for retirement, the funds you
have accumulated before your retirement must be invested
to provide you and your dependants with an income.
Planning for retirement involves analyzing your
investments and considering the most tax-effective
method of investing.
Our Financial Planners have access to a wide range of
products, including guaranteed and flexible annuities
that suit all needs and risk profiles. Your Financial
Planner must gather enough information to analyse your
situation and make a recommendation that is suitable for
you.
Investment planning
The creation and preservation of wealth is
a specialized discipline that takes into account a
number of factors, including risk, taxation and
liquidity. Understanding investment risk is one of the
keys to investing successfully, because any investment
decision implies some risk.
Asset protection
(short-term insurance planning)
It is important to protect your assets
against the risks of theft, fire and other damage with
short-term insurance. Our Financial Planners have access
to the products of Momentum Short-term Insurance that
provide innovative asset protection solutions.
Education planning
A good education is a key requirement for
success. Education has become very expensive and
requires a specific planning focus. Education planning
is the process of understanding your children’s specific
education needs from a cost perspective, and then making
provision to ensure that you have the funds to pay for
the required education. There tends to be a focus on
saving enough money to provide for education, however,
you must ensure that you have funds to educate your
children should you die prematurely or become disabled.
Saving for special goals
Everyone has special goals and dreams of
things that he/she would like to achieve in the future,
such as an overseas holiday or buying a new car. These
goals involve:
Your Financial Planner will recommend a solution
appropriate to your risk profile and requirements.
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