• I would like to
    • Covid-19 toolkit
    • Schedule an appointment
    • Go to hospital
    • Deal with an accident
    • Make a claim
    • Invest >
      • Investment needs analysis
      • Child education fund >
        • Top 100 schools in South Africa
      • For retirement
      • For income in retirement
      • For capital growth
      • For a new car
      • For a new house
      • Offshore funds
    • Apply for insurance >
      • Life insurance.
      • Medical aid.
      • Car insurance quote
      • Car and household insurance.
      • Business insurance.
    • Appoint Daberistic as broker
    • Promotions >
      • Millionaire Investment Challenge - Allan Gray
    • Update my policy >
      • Investment >
        • Allan Gray Debit Order
      • Life insurance
      • Car and household insurance
      • Business insurance
    • Make a Will
    • Set up a business
    • Get an accountant.
    • Get business tax advice
    • Get personal tax advice
    • Preferred Suppliers >
      • Panelbeaters
      • Doctors and dentists
      • Attorneys, Notaries, Conveyancers
    • Product news
    • Cancel Daberistic Services
  • Invest
    • Our fund selection process
    • Retirement annuity
    • Tax-free Investment Plan
    • Unit Trusts
    • Guaranteed Investments >
      • Guaranteed Investments Q&A
    • Preservation funds
    • Offshore
    • Education plan
    • Endowment
    • Participation Bond
    • Deposits
    • Business investment accounts
    • Private investment accounts
    • Exchange Traded Funds
    • Share investing
    • Personalised share portfolio
    • Retirement income
  • Retirement Funds
    • Starting a Fund - What to Consider
    • Retirement Funds - Your Rights
    • What is Regulation 28?
  • Life
    • Life insurance >
      • Life insurance special offer
    • Accidental cover
    • Income protection
    • Lump sum disability
    • Business Assurance
    • Severe Illness
  • Health
    • Our services
    • Discovery Health >
      • How to Select a Discovery Medical Plan
      • Update 2020
      • Discovery Health Products
      • International Travel Benefit
    • Momentum Health >
      • Momentum Health Products
      • Update 2017
    • Bonitas >
      • Update 2018
    • Gap cover >
      • Sirago
    • Wellness programme
    • Medical examination packages
    • Updates
    • FAQ
  • Insurance
    • About Short Term
    • Service Charter
    • Business insurance >
      • Business Insurance Application
      • Contractors All Risk (once Off) Application
      • Goods in Transit Insurance
      • Professionals take cover
    • Car /House Insurance >
      • Car and House Application
      • Car Quotation
      • Building insurance
      • Bank of Taiwan
      • Homeowners(Building) Application
    • Sasria
    • Frequently asked Questions >
      • Average in Home and Contents Insurance
      • What to do after an accident
  • Financial Coach
    • Blog
    • Personal Financial Planning >
      • Financial freedom
      • Setting goals
      • Budgeting and cashflow management
      • Consumer Protection Act
    • Retirement planning >
      • Retirement Q&A
    • Risk planning >
      • Retirement funds
    • Tax planning
    • Investment planning >
      • What are unit trusts?
      • Active and passive investing
      • Chasing fund performance may be hazardous to your wealth
      • Understanding risk on and risk off
    • Family trusts
    • Wills and estate planning >
      • Make a will
      • Administering an estate / Duties of an Executor
      • What the executor must do once appointed
    • Business planning
    • Frequently asked questions
  • Accounting & Tax
    • About us >
      • DAA Proatia Manual
    • Accounting
    • Tax >
      • 2020 South Africa Budget and Tax Guide
      • 2019 South Africa Budget and Tax Guide
      • 2017 South Africa Budget and Tax Guide
    • Business Plan
    • Company Registration & Secretarial Services
    • Audit/Review/Compilation report
    • Frequently asked questions >
      • Establishing a Business in South Africa
  • About us
    • Who we are
    • What sets Daberistic apart
    • How we help our clients
    • Our clients
    • Community involvement
    • Product providers
    • FAIS Disclosures
    • Company News >
      • Heritage Day 2015
      • Mandela Day 2016
    • Company Documents >
      • Privacy Policy
      • RMCP
      • Disclosure Letters
      • Proatia Manual
    • Daberistic Academy >
      • Car insurance rating factors
      • Investment seminars
      • Personal finance seminars
      • Workplace skills >
        • Sales Scripts
        • Client Communication
        • Stress Management
        • Industrial Relations
        • Leadership
        • Employee Benefits
        • Company Values
        • Tax
        • Commercial Insurance
        • Gap cover
        • Excel
        • Retirement -
        • Retirement Annuity &Provident Fund
        • Marketing and Branding
        • Broker Appointment
        • Telephone etiquette
        • Client service etiquette
      • Mini MBA
    • Careers >
      • Positions >
        • Healthcare Consultant/Business Development Manager
      • Questionnaires >
        • Pre-interview Elementary Test
        • Chinese Client Consultant Pre-interview Questionnaire
        • Short-term Insurance Administrator Pre-interview Questionnaire
        • HR and Finance Administrator Pre-interview Questionnaire
    • Contact us >
      • Cancellation
  • 我想要
    • 德博理财专栏
    • 查看旧德博理财专栏
    • 促销活动 >
      • 2020年度十年期投资计划
      • Fedgroup飞达参与分红债券
    • 申请新保险 >
      • 员工团体保险
      • 寿险/意外险报价资料表
      • 国际学生医疗保险2020
      • 国际学生医疗保险
      • 商业保险
      • 医疗保险需求评估
      • 医疗保险申请
      • 加入活力健康计划
      • 投资 >
        • 投资方案报价
        • 孩子教育基金. >
          • 非洲排名前100高中
          • 南非高校排行榜
        • 为年老时存钱.
        • 闲钱投资.
        • 月领退休金.
        • 免税投资账户.
        • 投资型保单.
        • 股票.
        • 基金
        • 海外基金
        • 房地产基金.
        • 投资
      • 汽车保险报价
      • 店面投保
    • 现有保单管理 >
      • 保费没扣到
      • 在线税务证明申请表格
      • 人寿险/意外险保单管理
      • 医疗保险客服 >
        • 新生儿加保申请表格
        • 家属退保申请表格
        • 国际旅游医疗福利
        • Discovery医保怀孕生产幼儿福利
        • 下载Discovery医疗保险证明
        • 下载Discovery医保税务证明
        • Sirago附加险索赔提交
      • 投资账户管理
      • 产物保险管理
      • 客服满意度问卷
    • 申请索赔 >
      • 申请车险索赔
    • 住院
    • 常用专科医生名称中英文对照
    • 出车祸处理
    • 设立遗嘱 >
      • 遗嘱的生效和不生效
      • 遗嘱的处分
      • 遺囑執行人被任命後
    • 聘德博为经纪人
    • 非居民在南非开银行账户
    • 投资移民
    • 唐人街商铺联系方式
  • 财富管理
    • 如何选择投资产品
    • 企业投资账户
    • 私人投资账户
    • 孩子教育基金
    • 为年老时存钱 >
      • 退休需要認真金錢
    • 闲钱投资
    • 海外投资 >
      • 如何投资海外资产
      • 南非外汇管制规定
      • Investors Trust外幣投資
    • 免税投资帐户 >
      • 免税投资账户问答集(Q&A)
    • 月领退休金
    • 投资型保单
    • 基金 >
      • 如何挑选基金
    • 稳赢固定利率保单
  • 员工福利
    • 公司团体医疗保险Q&A
    • 员工福利Q&A
    • 公积金Provident Fund说明
    • 中小企业员工福利完整套餐
  • ​人寿保险
    • 为什么要购买人寿保险
    • 人寿保险的妙用
    • 人寿保险常见问题回答
    • 购买人寿保险流程
    • 美元人寿保险
    • 意外险
    • 特殊寿险产品
    • 重大疾病险 >
      • 身体健康检查重要指标
      • 全球癌症病例激增
      • 细数癌症之最
    • Sanlam意外险
    • Old Mutual绿光关怀计划.
  • 医疗保险
    • 南非的医疗保险介紹
    • 医疗保险Q&A 常见问题回答
    • 如何选择医疗保险
    • Discovery医疗保险 2021选项摘要 >
      • Discovery医疗保险 2021 - 如何选择医保选项
    • Discovery Vitality活力健康计划 2021 >
      • 激活你的健活奖励
    • Bonitas医疗保险2021介绍
    • Bonitas医疗保险2019介绍
    • Momentum医疗保险 2021介绍
    • 医疗附加险 >
      • 医疗附加险索赔申请表
      • 医疗附加险法规改变
  • 紧急意外险
  • 财产险
    • 雇主责任保险
    • 建筑工程一切险
    • 商业火险
    • 车险
    • 暴动险 Sasria
  • 会计师事务所
    • 南非2020财政预算及税法
    • 南非2019财政预算及税法
    • 南非2018财政预算及税法
    • 南非2017财政预算及税法
    • 南非2016财政预算及税法
    • 南非2015财政预算及税法
    • 南非2008财政预算及税法
  • 关于我们
    • 我们如何与众不同
    • 我們如何帮助客户 - 保险篇
    • 我們如何帮助客户 - 投资理财篇
    • 德博理财学院 >
      • 标准销售话术
Daberistic
  • I would like to
    • Covid-19 toolkit
    • Schedule an appointment
    • Go to hospital
    • Deal with an accident
    • Make a claim
    • Invest >
      • Investment needs analysis
      • Child education fund >
        • Top 100 schools in South Africa
      • For retirement
      • For income in retirement
      • For capital growth
      • For a new car
      • For a new house
      • Offshore funds
    • Apply for insurance >
      • Life insurance.
      • Medical aid.
      • Car insurance quote
      • Car and household insurance.
      • Business insurance.
    • Appoint Daberistic as broker
    • Promotions >
      • Millionaire Investment Challenge - Allan Gray
    • Update my policy >
      • Investment >
        • Allan Gray Debit Order
      • Life insurance
      • Car and household insurance
      • Business insurance
    • Make a Will
    • Set up a business
    • Get an accountant.
    • Get business tax advice
    • Get personal tax advice
    • Preferred Suppliers >
      • Panelbeaters
      • Doctors and dentists
      • Attorneys, Notaries, Conveyancers
    • Product news
    • Cancel Daberistic Services
  • Invest
    • Our fund selection process
    • Retirement annuity
    • Tax-free Investment Plan
    • Unit Trusts
    • Guaranteed Investments >
      • Guaranteed Investments Q&A
    • Preservation funds
    • Offshore
    • Education plan
    • Endowment
    • Participation Bond
    • Deposits
    • Business investment accounts
    • Private investment accounts
    • Exchange Traded Funds
    • Share investing
    • Personalised share portfolio
    • Retirement income
  • Retirement Funds
    • Starting a Fund - What to Consider
    • Retirement Funds - Your Rights
    • What is Regulation 28?
  • Life
    • Life insurance >
      • Life insurance special offer
    • Accidental cover
    • Income protection
    • Lump sum disability
    • Business Assurance
    • Severe Illness
  • Health
    • Our services
    • Discovery Health >
      • How to Select a Discovery Medical Plan
      • Update 2020
      • Discovery Health Products
      • International Travel Benefit
    • Momentum Health >
      • Momentum Health Products
      • Update 2017
    • Bonitas >
      • Update 2018
    • Gap cover >
      • Sirago
    • Wellness programme
    • Medical examination packages
    • Updates
    • FAQ
  • Insurance
    • About Short Term
    • Service Charter
    • Business insurance >
      • Business Insurance Application
      • Contractors All Risk (once Off) Application
      • Goods in Transit Insurance
      • Professionals take cover
    • Car /House Insurance >
      • Car and House Application
      • Car Quotation
      • Building insurance
      • Bank of Taiwan
      • Homeowners(Building) Application
    • Sasria
    • Frequently asked Questions >
      • Average in Home and Contents Insurance
      • What to do after an accident
  • Financial Coach
    • Blog
    • Personal Financial Planning >
      • Financial freedom
      • Setting goals
      • Budgeting and cashflow management
      • Consumer Protection Act
    • Retirement planning >
      • Retirement Q&A
    • Risk planning >
      • Retirement funds
    • Tax planning
    • Investment planning >
      • What are unit trusts?
      • Active and passive investing
      • Chasing fund performance may be hazardous to your wealth
      • Understanding risk on and risk off
    • Family trusts
    • Wills and estate planning >
      • Make a will
      • Administering an estate / Duties of an Executor
      • What the executor must do once appointed
    • Business planning
    • Frequently asked questions
  • Accounting & Tax
    • About us >
      • DAA Proatia Manual
    • Accounting
    • Tax >
      • 2020 South Africa Budget and Tax Guide
      • 2019 South Africa Budget and Tax Guide
      • 2017 South Africa Budget and Tax Guide
    • Business Plan
    • Company Registration & Secretarial Services
    • Audit/Review/Compilation report
    • Frequently asked questions >
      • Establishing a Business in South Africa
  • About us
    • Who we are
    • What sets Daberistic apart
    • How we help our clients
    • Our clients
    • Community involvement
    • Product providers
    • FAIS Disclosures
    • Company News >
      • Heritage Day 2015
      • Mandela Day 2016
    • Company Documents >
      • Privacy Policy
      • RMCP
      • Disclosure Letters
      • Proatia Manual
    • Daberistic Academy >
      • Car insurance rating factors
      • Investment seminars
      • Personal finance seminars
      • Workplace skills >
        • Sales Scripts
        • Client Communication
        • Stress Management
        • Industrial Relations
        • Leadership
        • Employee Benefits
        • Company Values
        • Tax
        • Commercial Insurance
        • Gap cover
        • Excel
        • Retirement -
        • Retirement Annuity &Provident Fund
        • Marketing and Branding
        • Broker Appointment
        • Telephone etiquette
        • Client service etiquette
      • Mini MBA
    • Careers >
      • Positions >
        • Healthcare Consultant/Business Development Manager
      • Questionnaires >
        • Pre-interview Elementary Test
        • Chinese Client Consultant Pre-interview Questionnaire
        • Short-term Insurance Administrator Pre-interview Questionnaire
        • HR and Finance Administrator Pre-interview Questionnaire
    • Contact us >
      • Cancellation
  • 我想要
    • 德博理财专栏
    • 查看旧德博理财专栏
    • 促销活动 >
      • 2020年度十年期投资计划
      • Fedgroup飞达参与分红债券
    • 申请新保险 >
      • 员工团体保险
      • 寿险/意外险报价资料表
      • 国际学生医疗保险2020
      • 国际学生医疗保险
      • 商业保险
      • 医疗保险需求评估
      • 医疗保险申请
      • 加入活力健康计划
      • 投资 >
        • 投资方案报价
        • 孩子教育基金. >
          • 非洲排名前100高中
          • 南非高校排行榜
        • 为年老时存钱.
        • 闲钱投资.
        • 月领退休金.
        • 免税投资账户.
        • 投资型保单.
        • 股票.
        • 基金
        • 海外基金
        • 房地产基金.
        • 投资
      • 汽车保险报价
      • 店面投保
    • 现有保单管理 >
      • 保费没扣到
      • 在线税务证明申请表格
      • 人寿险/意外险保单管理
      • 医疗保险客服 >
        • 新生儿加保申请表格
        • 家属退保申请表格
        • 国际旅游医疗福利
        • Discovery医保怀孕生产幼儿福利
        • 下载Discovery医疗保险证明
        • 下载Discovery医保税务证明
        • Sirago附加险索赔提交
      • 投资账户管理
      • 产物保险管理
      • 客服满意度问卷
    • 申请索赔 >
      • 申请车险索赔
    • 住院
    • 常用专科医生名称中英文对照
    • 出车祸处理
    • 设立遗嘱 >
      • 遗嘱的生效和不生效
      • 遗嘱的处分
      • 遺囑執行人被任命後
    • 聘德博为经纪人
    • 非居民在南非开银行账户
    • 投资移民
    • 唐人街商铺联系方式
  • 财富管理
    • 如何选择投资产品
    • 企业投资账户
    • 私人投资账户
    • 孩子教育基金
    • 为年老时存钱 >
      • 退休需要認真金錢
    • 闲钱投资
    • 海外投资 >
      • 如何投资海外资产
      • 南非外汇管制规定
      • Investors Trust外幣投資
    • 免税投资帐户 >
      • 免税投资账户问答集(Q&A)
    • 月领退休金
    • 投资型保单
    • 基金 >
      • 如何挑选基金
    • 稳赢固定利率保单
  • 员工福利
    • 公司团体医疗保险Q&A
    • 员工福利Q&A
    • 公积金Provident Fund说明
    • 中小企业员工福利完整套餐
  • ​人寿保险
    • 为什么要购买人寿保险
    • 人寿保险的妙用
    • 人寿保险常见问题回答
    • 购买人寿保险流程
    • 美元人寿保险
    • 意外险
    • 特殊寿险产品
    • 重大疾病险 >
      • 身体健康检查重要指标
      • 全球癌症病例激增
      • 细数癌症之最
    • Sanlam意外险
    • Old Mutual绿光关怀计划.
  • 医疗保险
    • 南非的医疗保险介紹
    • 医疗保险Q&A 常见问题回答
    • 如何选择医疗保险
    • Discovery医疗保险 2021选项摘要 >
      • Discovery医疗保险 2021 - 如何选择医保选项
    • Discovery Vitality活力健康计划 2021 >
      • 激活你的健活奖励
    • Bonitas医疗保险2021介绍
    • Bonitas医疗保险2019介绍
    • Momentum医疗保险 2021介绍
    • 医疗附加险 >
      • 医疗附加险索赔申请表
      • 医疗附加险法规改变
  • 紧急意外险
  • 财产险
    • 雇主责任保险
    • 建筑工程一切险
    • 商业火险
    • 车险
    • 暴动险 Sasria
  • 会计师事务所
    • 南非2020财政预算及税法
    • 南非2019财政预算及税法
    • 南非2018财政预算及税法
    • 南非2017财政预算及税法
    • 南非2016财政预算及税法
    • 南非2015财政预算及税法
    • 南非2008财政预算及税法
  • 关于我们
    • 我们如何与众不同
    • 我們如何帮助客户 - 保险篇
    • 我們如何帮助客户 - 投资理财篇
    • 德博理财学院 >
      • 标准销售话术

德博财富管理 - 与众不同,出类拔萃

Picture
德博财富管理公司以南非约堡市为据点,向全南非,全非洲,以至于全世界上有50万美元以上可投资财富的富人及法人提供财富管理服务。聆听客户全盘理财投资需求,以其广泛搜寻取得的投资市场信息,稳健的投资准则,独到的基金分析技术,与一流基金公司强强联手,给予客户量身定做财富管理方案。

我们使用世界级的投资平台,让客户无论何地何时,皆可上网查询即时投资价值,完全透明化。
我们每个月寄给客户独家投资专刊,提供最新投资信息和展望,让客户『秀才不出门,尽知天下事』,胜券在握。

我们为客户管理资产规模达20,000万兰特。

我们遵循国际金融理财标准委员会之六步理财规划。

我们的四个投资指导原则

一.长期资本保障

我们的目标是保护你的财富价值,确保你的财富长期至少跟着通货膨胀增长,避免因通货膨胀的不利影响使你的财富实质缩水。

在南非,我们预计长期官方通货膨胀率(CPI)为5%。然而财富客户所体验的通货膨胀率更接近9% (CPI+4%)。因此我们必须确保客户财富长期(十年以上)每年回报率达到9%。 

二.美元保本

 美元是世界的储备货币,也是流动性极高的货币。许多客户在未来有移民的计画或需求。我们为你设计的财富管理解决方案,将确保无论在任何的投资市场中,你的财富长期以美元计价保本。 对于居住南非的客户,从长期来看,南非兰特兑美元贬值。我们为你设计的财富管理方案将确保您的财富美元保本。

三.价值投资

我们相信以华伦巴菲特为代表的价值投资理念,那就是以低于其内在价值的价格购买资产,而在资产高于内在价值时卖出。真实秉持此价值投资理念的基金公司将在长期体现优越投资报酬。

我们与秉持价值投资理念的基金公司强强联手,提供长期有良好记录的基金。

四.最佳化回报,并降低下行风险

投资是有风险的活动。投资学第一课告诉我们,高风险高报酬,而低风险低报酬。然而我们透过独特的分析技术和风险控管,评选出长期优异的基金管理公司及各类型基金,以降低亏损风险并提升长期投资报酬率。

财富管理产品

我们用以下产品帮助客户理财:

免税投资账户
投资平台基金
海外平台基金
投资型保单
养老保险
保留退休基金
新型生存年金
传统生存年金
固定利率保单
固定收入保单
股票投资管理

投资管理公司

我们与以下知名投资公司合作:

艾伦格勒(Allan Gray)
加冕(Coronation)
Discovery投资公司
Glacier by Sanlam
i-transact 证交所交易基金平台
​Investec
Investors Trust
Liberty
Old Mutual Wealth
Momentum Wealth
Prudential
PSG Asset Management
PPS 专业人士投资
Sasfin 银行
Stanlib 标行投资

我们的首选投资平台

艾伦格勒(Allan Gray Investment Platform)
Investors Trust
请点此下载财富管理完整说明
想要進一步諮詢財富管理嗎?請填寫以下表格,我們會盡快與您聯繫,謝謝!

地点

我们客户的评语

“谢谢你协助我向保险公司索赔我死去的丈夫人寿保险金200万兰特,让我能够照顾两个年幼孩子的需要。”

“你的理财忠告帮助我在众多复杂的投资选项中做正确抉择,并且在市场震荡时仍有信心,不轻易更换投资基金。

联系我们

总机 (+27)011 658 1333 (周一至周五上午8:00至下午4:30)
​
24小时紧急事件专线 076 200 5488

Location

Policies

Disclaimer
​Privacy Policy
Conflict of Interest

What Our Clients Are Saying

"Going through the financial planning process has helped me understand how I should invest, using the 3-bucket approach. It makes a lot of sense!"

"Thank you for assisting me in getting the death claim payout on my late husband's life policy. You did what my original broker could not do. Your dedication and expertise have helped me in times of need."


Contact Us

+27 11 658 1333 (8 am to 4:30 pm weekdays)

    Subscribe to our monthly personal finance newsletter

Subscribe to Newsletter
  • I would like to
    • Covid-19 toolkit
    • Schedule an appointment
    • Go to hospital
    • Deal with an accident
    • Make a claim
    • Invest >
      • Investment needs analysis
      • Child education fund >
        • Top 100 schools in South Africa
      • For retirement
      • For income in retirement
      • For capital growth
      • For a new car
      • For a new house
      • Offshore funds
    • Apply for insurance >
      • Life insurance.
      • Medical aid.
      • Car insurance quote
      • Car and household insurance.
      • Business insurance.
    • Appoint Daberistic as broker
    • Promotions >
      • Millionaire Investment Challenge - Allan Gray
    • Update my policy >
      • Investment >
        • Allan Gray Debit Order
      • Life insurance
      • Car and household insurance
      • Business insurance
    • Make a Will
    • Set up a business
    • Get an accountant.
    • Get business tax advice
    • Get personal tax advice
    • Preferred Suppliers >
      • Panelbeaters
      • Doctors and dentists
      • Attorneys, Notaries, Conveyancers
    • Product news
    • Cancel Daberistic Services
  • Invest
    • Our fund selection process
    • Retirement annuity
    • Tax-free Investment Plan
    • Unit Trusts
    • Guaranteed Investments >
      • Guaranteed Investments Q&A
    • Preservation funds
    • Offshore
    • Education plan
    • Endowment
    • Participation Bond
    • Deposits
    • Business investment accounts
    • Private investment accounts
    • Exchange Traded Funds
    • Share investing
    • Personalised share portfolio
    • Retirement income
  • Retirement Funds
    • Starting a Fund - What to Consider
    • Retirement Funds - Your Rights
    • What is Regulation 28?
  • Life
    • Life insurance >
      • Life insurance special offer
    • Accidental cover
    • Income protection
    • Lump sum disability
    • Business Assurance
    • Severe Illness
  • Health
    • Our services
    • Discovery Health >
      • How to Select a Discovery Medical Plan
      • Update 2020
      • Discovery Health Products
      • International Travel Benefit
    • Momentum Health >
      • Momentum Health Products
      • Update 2017
    • Bonitas >
      • Update 2018
    • Gap cover >
      • Sirago
    • Wellness programme
    • Medical examination packages
    • Updates
    • FAQ
  • Insurance
    • About Short Term
    • Service Charter
    • Business insurance >
      • Business Insurance Application
      • Contractors All Risk (once Off) Application
      • Goods in Transit Insurance
      • Professionals take cover
    • Car /House Insurance >
      • Car and House Application
      • Car Quotation
      • Building insurance
      • Bank of Taiwan
      • Homeowners(Building) Application
    • Sasria
    • Frequently asked Questions >
      • Average in Home and Contents Insurance
      • What to do after an accident
  • Financial Coach
    • Blog
    • Personal Financial Planning >
      • Financial freedom
      • Setting goals
      • Budgeting and cashflow management
      • Consumer Protection Act
    • Retirement planning >
      • Retirement Q&A
    • Risk planning >
      • Retirement funds
    • Tax planning
    • Investment planning >
      • What are unit trusts?
      • Active and passive investing
      • Chasing fund performance may be hazardous to your wealth
      • Understanding risk on and risk off
    • Family trusts
    • Wills and estate planning >
      • Make a will
      • Administering an estate / Duties of an Executor
      • What the executor must do once appointed
    • Business planning
    • Frequently asked questions
  • Accounting & Tax
    • About us >
      • DAA Proatia Manual
    • Accounting
    • Tax >
      • 2020 South Africa Budget and Tax Guide
      • 2019 South Africa Budget and Tax Guide
      • 2017 South Africa Budget and Tax Guide
    • Business Plan
    • Company Registration & Secretarial Services
    • Audit/Review/Compilation report
    • Frequently asked questions >
      • Establishing a Business in South Africa
  • About us
    • Who we are
    • What sets Daberistic apart
    • How we help our clients
    • Our clients
    • Community involvement
    • Product providers
    • FAIS Disclosures
    • Company News >
      • Heritage Day 2015
      • Mandela Day 2016
    • Company Documents >
      • Privacy Policy
      • RMCP
      • Disclosure Letters
      • Proatia Manual
    • Daberistic Academy >
      • Car insurance rating factors
      • Investment seminars
      • Personal finance seminars
      • Workplace skills >
        • Sales Scripts
        • Client Communication
        • Stress Management
        • Industrial Relations
        • Leadership
        • Employee Benefits
        • Company Values
        • Tax
        • Commercial Insurance
        • Gap cover
        • Excel
        • Retirement -
        • Retirement Annuity &Provident Fund
        • Marketing and Branding
        • Broker Appointment
        • Telephone etiquette
        • Client service etiquette
      • Mini MBA
    • Careers >
      • Positions >
        • Healthcare Consultant/Business Development Manager
      • Questionnaires >
        • Pre-interview Elementary Test
        • Chinese Client Consultant Pre-interview Questionnaire
        • Short-term Insurance Administrator Pre-interview Questionnaire
        • HR and Finance Administrator Pre-interview Questionnaire
    • Contact us >
      • Cancellation
  • 我想要
    • 德博理财专栏
    • 查看旧德博理财专栏
    • 促销活动 >
      • 2020年度十年期投资计划
      • Fedgroup飞达参与分红债券
    • 申请新保险 >
      • 员工团体保险
      • 寿险/意外险报价资料表
      • 国际学生医疗保险2020
      • 国际学生医疗保险
      • 商业保险
      • 医疗保险需求评估
      • 医疗保险申请
      • 加入活力健康计划
      • 投资 >
        • 投资方案报价
        • 孩子教育基金. >
          • 非洲排名前100高中
          • 南非高校排行榜
        • 为年老时存钱.
        • 闲钱投资.
        • 月领退休金.
        • 免税投资账户.
        • 投资型保单.
        • 股票.
        • 基金
        • 海外基金
        • 房地产基金.
        • 投资
      • 汽车保险报价
      • 店面投保
    • 现有保单管理 >
      • 保费没扣到
      • 在线税务证明申请表格
      • 人寿险/意外险保单管理
      • 医疗保险客服 >
        • 新生儿加保申请表格
        • 家属退保申请表格
        • 国际旅游医疗福利
        • Discovery医保怀孕生产幼儿福利
        • 下载Discovery医疗保险证明
        • 下载Discovery医保税务证明
        • Sirago附加险索赔提交
      • 投资账户管理
      • 产物保险管理
      • 客服满意度问卷
    • 申请索赔 >
      • 申请车险索赔
    • 住院
    • 常用专科医生名称中英文对照
    • 出车祸处理
    • 设立遗嘱 >
      • 遗嘱的生效和不生效
      • 遗嘱的处分
      • 遺囑執行人被任命後
    • 聘德博为经纪人
    • 非居民在南非开银行账户
    • 投资移民
    • 唐人街商铺联系方式
  • 财富管理
    • 如何选择投资产品
    • 企业投资账户
    • 私人投资账户
    • 孩子教育基金
    • 为年老时存钱 >
      • 退休需要認真金錢
    • 闲钱投资
    • 海外投资 >
      • 如何投资海外资产
      • 南非外汇管制规定
      • Investors Trust外幣投資
    • 免税投资帐户 >
      • 免税投资账户问答集(Q&A)
    • 月领退休金
    • 投资型保单
    • 基金 >
      • 如何挑选基金
    • 稳赢固定利率保单
  • 员工福利
    • 公司团体医疗保险Q&A
    • 员工福利Q&A
    • 公积金Provident Fund说明
    • 中小企业员工福利完整套餐
  • ​人寿保险
    • 为什么要购买人寿保险
    • 人寿保险的妙用
    • 人寿保险常见问题回答
    • 购买人寿保险流程
    • 美元人寿保险
    • 意外险
    • 特殊寿险产品
    • 重大疾病险 >
      • 身体健康检查重要指标
      • 全球癌症病例激增
      • 细数癌症之最
    • Sanlam意外险
    • Old Mutual绿光关怀计划.
  • 医疗保险
    • 南非的医疗保险介紹
    • 医疗保险Q&A 常见问题回答
    • 如何选择医疗保险
    • Discovery医疗保险 2021选项摘要 >
      • Discovery医疗保险 2021 - 如何选择医保选项
    • Discovery Vitality活力健康计划 2021 >
      • 激活你的健活奖励
    • Bonitas医疗保险2021介绍
    • Bonitas医疗保险2019介绍
    • Momentum医疗保险 2021介绍
    • 医疗附加险 >
      • 医疗附加险索赔申请表
      • 医疗附加险法规改变
  • 紧急意外险
  • 财产险
    • 雇主责任保险
    • 建筑工程一切险
    • 商业火险
    • 车险
    • 暴动险 Sasria
  • 会计师事务所
    • 南非2020财政预算及税法
    • 南非2019财政预算及税法
    • 南非2018财政预算及税法
    • 南非2017财政预算及税法
    • 南非2016财政预算及税法
    • 南非2015财政预算及税法
    • 南非2008财政预算及税法
  • 关于我们
    • 我们如何与众不同
    • 我們如何帮助客户 - 保险篇
    • 我們如何帮助客户 - 投资理财篇
    • 德博理财学院 >
      • 标准销售话术