Daberistic Wealth Management

Independent investment advice and coaching that give you performance, protection and results.
Successful investing has 4 important steps:

1. Set your goals
2. Develop your plan
3. Action your plan
4. Review your plan


We explore each of these 4 steps in more details below.

1. Set your goals

Renowned author Stephen Covey says in his book, The Seven Habits of Highly Effective People, "Begin with the end in mind." This applies very well when it comes to your investments. You need to first think about your life, your life goals, what you would like to achieve in life. The common goals for investing, i.e. what you should be asking yourself, are:

- At what age would I like to retire? How much money do I need in my old age?
- Which school would I want to send my children to? Public school or private school? Would my kids want to study overseas?
- How can I continue to afford medical aid when I get older?
- When do I want to buy a house? When would I like to upgrade my house?
- When would I like to buy a car? When would l want to get a new car?
- What is the budget for my family's next overseas holiday?
- What legacy would I like to leave behind? For my family, my community and the society?

You should write down your goals, be specific about your goals. For example, instead of just saying you would like to retire at age 65, state that you would like to retire in Cape Town at age 65, with a monthly income of R50,000 in today's money terms.

Another example: Instead of saying you would like to move to a bigger house, describe the house you would like to move into. Say you would like to move to move to a 4-bed house in Waterfall Estate, valued at about R5,000,000, in 3 years' time.

Writing down your goals on a piece of paper or in your notebook will help you crystalise your vision for your life, prompt you into action, and later on serves to benchmark your progress against your goals.

2. Develop your plan

There are a myriad of investment options out there, both locally and offshore. So which tools and products should you use? Fixed deposits, savings accounts, unit trusts, ETFs, property, shares, endowment, warrants, franchises, businesses? Woolworths shares or Pick n Pay?

We as Financial Planners, equipped and updated with knowledge, product news, market news and analytical tools, help you navigate and pick the right products and funds in developing your investment plan.

We have done the homework, so you can spend less time on finding out which investments are right for you, rather you can spend more time with your family and people that are important to you.

3. Action your plan

Once you have developed a financial plan, it is time to action on it. Open an investment account, sign up for an investment policy, commit your money and debit orders. Let the products, money and time do the work for you, to achieve your goals.

We will help put your plan into action, by advising you on the products and funds, preparing the necessary documents and processing your applications with the relevant life insurance companies and investment providers.

4. Review your plan

Once you have put your plan into motion, it is important to regularly review your progress against your initial plan. You should review your plan and your financial progress at least annually, with the help of a financial adviser. 

As your circumstances change, such as getting a promotion, getting married, having your first baby, starting a new business or getting an inheritance, you should review your plan to ensure it stays relevant and up to date.

At the same time, you should also review the progress of your investment portfolio, in terms of its growth and actual returns, to check if it is on track to help you realise your goals in the future.

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What do we do?

Based in Johannesburg, South Africa, Daberistic Wealth Management provides wealth management services to private and institutional clients with USD500,000 or more investible assets in South Africa, Africa and globally.

We listen to client’s financial planning and investment needs. We gather and analyse investment markets information. Based on our sound investment guiding principles, and utilising our proprietary fund selection technologies, we partner with the best asset managers to offer our clients bespoke wealth management solutions.

We use world-class investment platforms that give clients secure online access, to check their investment values anytime around the clock, anywhere in the world.

We send our clients monthly investment focus newsletters, providing our clients with the latest investment insights and outlook.

Our core purpose

To provide clients with investment advice and wealth management solutions.

Our investment guiding principles

Long-term capital protection
Our primary objective is to protect the value of your wealth, to ensure your wealth grows at least in line with inflation, so that your wealth does not shrink in real terms due to the adverse effect of inflation.

In South Africa, we expect the long-term official CPI inflation rate to be 6%. However the inflation rate experienced by our aggregate wealth clients is closer to 10% (CPI+4%). We must therefore ensure our client’s wealth achieves an annualised return of 10% over the long term, after fees.

Capital preservation in US Dollars
US Dollar is the reserve currency of the World. We design your wealth management solution with capital preservation in US Dollar terms in mind.

For South Africans, over the long term the South African Rand depreciates against the US Dollar. We will invest your money to ensure your wealth is maintained in US Dollars.

Value Investing
We believe in the Warren Buffet school of value investing, that is to buy assets at a price below their intrinsic value, and sell them when they are overpriced relative to their intrinsic value. Asset managers that truly believe the value-investing philosophy and execute it well, will demonstrate superior investment returns over the long term.
 
We partner with value managers with a demonstrable long-term track record.

Optimise risk-adjusted returns
Investment is an activity with risks and uncertainties. The first lesson in Investing 101 tells us that high returns are associated with high risks, and low returns are associated with low risks.

However through our proprietary technologies and risk management, We will invest your money with asset managers and funds that have proven to provide enhanced returns with lower downside risks over the long term.

Our product providers

As an independent financial planning practice, we have contracts with the following product providers (Linked Investment Service Providers) in order to offer you a product that suits your needs:

Allan Gray, Discovery Invest, Glacier, Liberty, Momentum Wealth, Old Mutual, PPS, Sanlam, Standard Bank Stockbroking, Stanlib
Product provider licensed in Cayman Island: Investors Trust

Our preferred providers

We have done the necessary due diligence in selecting the following preferred providers:

Allan Gray
We select Allan Gray as our preferred provider for the following reasons:

1. Reputable asset management company
2. Financially sound
3. Efficient administration platform
4. Clever use of technology delivers excellent user interface
5. Excellent staff delivers excellent client service
6. Low platform administration cost
7. A comprehensive range of products
8. Select range of good performing unit trusts
9. Easily creates customisable, informative investment overview
10. Enables clients to submit instructions online.

More info: Allan Gray Product Range Brochure

Our fund providers

As an independent financial planning practice, we carefully consider and analyse over 1,000 funds locally and many funds offshore, to select the best funds in constructing your investment portfolios.

We make use of funds from the following reputable fund houses (not an exhaustive list):

Allan Gray, Blackrock, Coronation, Discovery Invest, Foord, Fidelity, Franklin Templeton, Investec, Marriot, Morgan Stanley, Nedgroup Investments, Old Mutual, Orbis, Prudential, PSG, Rezco, Satrix, SIM, Stanlib
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