Planning for your retirement does not need to be stressful, with The Prescience team of expert advisors. Our comprehensive plans cover everything you need to know to prepare for a smooth transition into retirement.

Gain access to a range of global funds and diversify your investment portfolio by geography, asset class and currency.

Outside of compulsory investments, a discretionary investment portfolio has multiple objectives. It provides clients with liquidity, stimulates tax efficiency, attainting an enhanced yield and derisking your estate.

The biggest misconception about investing is that you need a substantial amount of money to begin. In reality, the most important investment is not your first large deposit—it’s your decision to start. Many investment solutions allow you to begin with modest monthly contributions, and over time, consistency and the power of compound growth can achieve far more than waiting until you feel you have “enough.” The question is not, “How much do I need to start investing?” but rather, “How much future wealth could I be missing by waiting to begin?

Saving and investing both help you build financial security, but they serve different purposes. Saving is designed for short-term goals and emergencies, prioritising security and easy access to your money. Investing, on the other hand, is intended for long-term wealth creation, giving your money the opportunity to grow over time through the power of compounding, while accepting an appropriate level of market risk. The goal of saving is to preserve your money; the goal of investing is to help it grow. The strongest financial plans don’t choose one over the other—they use both, each for the purpose it serves best.

There is no single investment that is best for everyone—only the investment that is best for your goals. The right solution depends on what you are investing for, how long you have to invest, your tolerance for risk, your need for access to your money, and your overall financial circumstances. A well-structured investment strategy aligns these factors to help you achieve your objectives with confidence. The question is not, “Which investment performs the best?” but rather, “Which investment gives me the greatest probability of reaching the future I want to create?

Choosing the right investment portfolio is not about chasing the highest returns—it’s about selecting a strategy that aligns with your financial goals, investment horizon, tolerance for risk, and personal circumstances. The ideal portfolio is one you can remain committed to through both rising and falling markets, because long-term success is built on discipline and consistency, not short-term predictions. The best portfolio is not necessarily the one that performs the best this year, but the one most likely to help you achieve the future you have planned with confidence.

The question is not whether you should invest locally or offshore—it’s whether your portfolio is diversified enough to benefit from both. Local investments provide exposure to South African opportunities and align with local spending needs, while offshore investments offer access to global markets, international industries, and currency diversification. For many investors, the strongest strategy is not choosing one over the other, but building a balanced portfolio that combines both. The goal is not to predict which market will outperform next, but to position your wealth to prosper regardless of where future opportunities arise.

Investment risk is the possibility that the value of your investments may rise and fall over time in pursuit of higher long-term returns. While risk can never be eliminated, it can be managed through diversification, time, and an investment strategy tailored to your objectives. The amount of risk you should take is not determined by how comfortable you are with market fluctuations alone—it should reflect your financial goals, investment horizon, and capacity to withstand short-term volatility. The greatest investment risk is often not market movement itself, but taking either too much risk for your circumstances or too little risk to achieve the future you want.

Your investments should be reviewed regularly, but not reacted to constantly. As a general guide, an annual review—or whenever you experience a significant life event such as a career change, marriage, the birth of a child, or retirement—is often sufficient to ensure your portfolio remains aligned with your goals. Successful investing is built on long-term discipline, not short-term emotion. The purpose of a review is not to chase performance, but to confirm that your investment strategy continues to reflect the future you are working towards.

Yes. All investments carry some level of risk, and the value of your portfolio can rise and fall over time. Short-term market declines are a normal part of investing, but they do not necessarily translate into permanent losses unless you are forced to sell at the wrong time. The key to successful investing is not avoiding risk altogether—it is understanding it, managing it appropriately, and remaining committed to a well-planned long-term strategy. History has shown that while markets experience periods of uncertainty, patient investors who stay focused on their long-term objectives have generally been rewarded over time.

Diversification is the practice of spreading your investments across different asset classes, industries, companies, and regions, rather than relying on a single investment or market. The purpose is simple: to reduce the impact of any one investment performing poorly while increasing the resilience of your overall portfolio. Diversification cannot eliminate risk, but it helps manage it by ensuring your financial future is not dependent on the success of a single opportunity. Wise investing is not about putting all your faith in one winner—it’s about building a portfolio strong enough to succeed under a variety of market conditions.

The best time to start investing for retirement is as soon as possible. Retirement investing begins by defining the lifestyle you hope to enjoy, estimating how much income you will need, and selecting an investment strategy that matches your time horizon and tolerance for risk. Contributing consistently and allowing your investments time to benefit from the power of compound growth are often far more important than trying to perfectly time the market. Retirement is not funded by a single investment decision—it is built through years of disciplined, consistent investing. The sooner you begin, the more time your money has to work for you.