Southern Charter
Insurance in Cape Town

Your financial needs and goals change over time, we offer a spectrum of services at accommodate these changes. Southern Charter provides personal and high-tech services tailored to make your financial life easier.

Collective Investment Schemes-all mutual funds/unit trusts including money market funds. Long term insurance-Risk policies, Investment or savings policies with guarantees, Annuities with guarantees, single premium retirement annuities, preservation fund policies, other possible insurance contracts. The FAIS Act regulates financial service providers and the representatives of financial service providers selling a wide range of financial products. The FAIS Act for the first time gives you, the client, protection against poor advice. In terms of the Act, anyone or any institution selling a financial product or giving you financial advice for a fee or commission must, in dealing with you, meet certain minimum requirements; behave honorably, professionally and with due diligence; provide you with appropriate advice; and are subject to disciplinary procedures if they do not adhere to the FAIS Act. Before you do any business with us, we will provide you with essential information about ourselves. Concise details of our legal and contractual status, including details about what financial services we are permitted to provide and which company or companies we represent. At Southern Charter, we recognize that along with financial success come increased responsibilities and planning requirements. Our mission is to provide you with a complete wealth service to meet these needs and to put you in control of your financial affairs. Southern Charter provides personal and high-tech services tailored to make your financial life easier. As your financial needs and goals change over time, we offer a spectrum of services to accommodate these changes. We can demonstrate the short-and long-term benefits of smarter tax strategies and improved investment decisions. We can also show you how to securely transfer money to loved ones, establish a trust or simply help you manage your finances on a daily basis. We have brought together an expert management, investment and Client Services Team that provide you with innovative solutions and services. In order to deliver long term growth for our clients we use the asset allocation model that has its roots in the work of Nobel Prize winning economist Harry Markowitz. We set strategic asset allocation objectives to meet your particular risk and return profile, and adjust these allocations from time-to-time with research-backed and responsive investment decisions. We also apply a multi-manger approach, selecting the very best asset manager by asset class. Below is a more detailed explanation of the process we go through when making our investment decisions.