Investments
Grow Your Wealth.
Secure Your Future.
From retirement annuities and living annuities to unit trusts, tax-free savings, and endowments — a full suite of FSCA-regulated investment solutions tailored to your goals.
Registered with the FSCA. Invested in Your Future.
Wilco Naumann is registered with the Financial Sector Conduct Authority (FSCA) and provides investment advisory services through an authorised Financial Services Provider.
Whether you are just starting out or looking to optimise an existing portfolio, we work with South Africa’s leading investment houses to match the right solution to your specific financial goals, risk appetite, and time horizon.
Hover over any investment service below to see what it includes.
Hover to Explore Each Service
Living Annuities
Income from your capital in retirement
Living Annuities
- Post-retirement income solution
- You control your drawdown rate
- Capital remains invested & growing
- Flexible investment fund choice
- Beneficiaries inherit remaining capital
- Ideal for retirees with own funds
Emergency Fund
Liquid protection for life’s surprises
Emergency Fund
- Immediately accessible capital
- 3–6 months of expenses recommended
- Low-risk, money market solutions
- Earns interest while on standby
- Foundation of any financial plan
- Prevents high-cost debt in a crisis
TFSA
Tax Free Savings Account — grow wealth tax-free
Tax Free Savings Account
- R36,000 annual contribution limit
- R500,000 lifetime contribution limit
- Zero tax on growth, income & withdrawals
- Wide fund selection available
- Best started early for compounding
- Ideal for long-term wealth building
Retirement Annuities
Tax-efficient long-term retirement savings
Retirement Annuities
- Up to 27.5% of income tax-deductible
- Funds locked until age 55
- Growth is tax-free inside the fund
- Protected from creditors
- Wide range of underlying funds
- Convert to annuity at retirement
Active Capital
Actively managed growth investments
Active Capital
- Actively managed portfolio strategies
- Higher growth potential over time
- Suitable for medium-to-long term
- Regular portfolio rebalancing
- Access to top fund managers
- Aligned to your risk profile
Unit Trusts
Diversified pooled investment funds
Unit Trusts
- Instantly diversified portfolio
- Managed by professional fund managers
- Equity, balanced, bond & money market
- Accessible from low entry amounts
- Lump sum or monthly debit order
- Flexible & liquid investment
Savings Accounts
Secure, accessible, interest-bearing savings
Savings Accounts
- Low-risk capital preservation
- Competitive interest rates
- Flexible access to funds
- Fixed deposit & notice account options
- Ideal for short-to-medium goals
- FSCA regulated & protected
Endowments
Structured 5-year investment policies
Endowments
- Structured 5-year investment policy
- Tax paid inside the policy (30% cap)
- Ideal for high-income earners
- Cession & loan facility available
- Can nominate beneficiaries
- Disciplined long-term savings vehicle
Authorised Investment Platforms
Investment services are rendered through an authorised FSP, with access to the following leading South African financial institutions:
Sanlam
Momentum
Liberty
Hollard / Altzone
Allan Gray
Marriott
Cadiz
Old Mutual
Discovery
One Life
FMI / Bidvest
Brightrock
Sygnia
Outvest
Sanlam / Sanport
JUST Income
Capital Legacy
FSCA Authorised Product Categories
Registered with the Financial Sector Conduct Authority (FSCA) to advise on and render intermediary services across the following regulated product categories:
| Category 1.1 | Long-term Insurance: Category A |
| Category 1.3 | Long-term Insurance: Category B1 |
| Category 1.20 | Long-term Insurance: Category B2 |
| Category 1.21 | Long-term Insurance: Category B2-A |
| Category 1.22 | Long-term Insurance: Category B1-A |
| Category 1.4 | Long-term Insurance: Category C |
| Category 1.5 | Retail Pension Benefits |
| Category 1.7 | Pension Fund Benefits |
| Category 1.14 | Participatory interests in collective investment schemes |
A copy of the FSP licence is available for inspection on request.
READY TO PUT YOUR MONEY TO WORK?
Book a no-cost consultation and let’s build an investment strategy that matches your goals, your timeline, and your risk appetite.