DHA Investment Services

Investment Services Port Elizabeth

• Time is on your side – This is the most straight forward of all the benefits, but yet it may be the most important of them all. Quite frankly if you begin investing at a young age history tells us that you will end up with far more than those who invest later in life.
• Improves spending habits – This benefit is generally overlooked by many, but investing early on definitely helps develop positive spending habits. Those who invest early on are much less likely to have issues with overstepping their boundaries in spending over the long run.
• Ahead of the personal finances game – If you are a young investor you are putting yourself ahead in the world of personal finance as a whole. By growing your investments over time you will be able to afford things that others can’t. Your personal finances are bound to get tight at times throughout your life, and investing at a young age can help in those tight times.
• Quality of life – The basic quality of life is a huge benefit of being an early investor. Quality of life during your retirement years will be much better because there will be less stresses and more of a nest egg to work with.

Financial Experts Port Elizabeth

The first question you should ask yourself is whether you are up for the task of managing your investments on your own. This requires, in most cases, many hours of research, and constantly updating yourself on global economies and companies’ stocks and shares movements. Financial planners can also help you remain disciplined with your financial strategies and they will keep track of your finances, allowing them to make the right moves for you or to help you make the right moves yourself. Financial advisers also regularly review their client’s portfolio, taking into account changing market conditions, changing legislation, taxation etc. so that they ensure the fund is still correctly invested. Not only this but a financial adviser will often be able to also give advice on matters such as taxation, drawing up of wills, trusts, insurance and even emigration, to name just a few.

Investment Services Port Elizabeth

• Focus and get control of your life

If you don’t start thinking about money when you’re young, it’s easy to get trapped into living beyond your means. Everyone needs to understand their financial situation in order to decide how much to spend, how much to save and how much to invest. Be deliberate about your priorities.

•  Become financially independent

It isn’t wise to rely on others for your welfare. It makes sense to build your own nest egg while you can and take care of your own financial health.

•  Attain your goals

Whether you dream about buying a new house, new car or saving for the trip of a lifetime, this is your motivation to invest. Lots of people aren’t driven by a need to simply make money for the sake of making money. Investing feels a lot more rewarding when you have a personal goal in mind, and you can make things happen above and beyond what is available to you with a single paycheck.

Retirement Planning Port Elizabeth

• Prevents Your Assets From Ending Up With Unintended Beneficiaries
  If estate planning was once considered something that only the wealthy needed, nowadays many middle-class families need to plan for when something happens to a family’s breadwinner (or breadwinners). After all, you don’t have to be super rich to do well in the stock market or real estate industry, both of which produce assets that you’ll want to pass on to your heirs. Even if you’re only leaving a second home behind, if you don’t decide who receives the property when you pass away, you won’t have any control as to what happens to the property.

That’s because a main component of estate planning is designating heirs for your assets, whether it’s a summer home or a stock portfolio. Without an estate plan, the courts will often decide who gets your assets, a process that can take years and can get ugly. After all, a court doesn’t know which sibling has been responsible and which one shouldn’t have free access to cash. Nor will the courts automatically rule that the surviving spouse gets everything.

• Protects Families With Young Children
  Nobody thinks of dying young, but if you’re the parent of small children, you need to prepare for the unthinkable. This is where the will portion of an estate plan comes in. In order to ensure that your children are taken care of, in a manner that you approve of, you’ll want to name their guardians in the event when both parents die before the children turn 18. Without such a will, the courts will again step in. And this time it’s not to determine who gets a piece of real estate or artwork, it’s who will raise your children.
• Stops Heirs From Overpaying In Taxes
  Estate planning is all about protecting your loved ones, which means in part giving them protection from big tax hits. Essential to estate planning is transferring assets to heirs with an eye toward creating the smallest tax burden for them as possible.
• Eliminates Family Messes When You’re Gone
  We’ve all heard those horror stories that when someone with money dies, the warring between family members begins. One sibling may think he or she deserves more than another, or one sibling may think that she should be in charge of the finances even though she’s notorious for racking up debt. Such squabbling can get ugly and end up in court, with family members pitted against each other. It’s yet another reason why an estate plan is necessary.

If you want your assets and your loved ones protected when you no longer can do it, you will need an estate plan. Without one, your heirs could face huge tax burdens and the courts could designate how your assets are divided, or even who gets your children.

We offer specialized estate planning solutions to our clients which include advice and assistance with regard to Wills, trusts, estate duty and tax efficient planning and structuring to ensure that their wealth is protected and preserved during their lifetime and after their death.