Bayswater Capital

🌟Retirement Thursday: Planning for Your Future!🌟 Happy Thursday, everyone! As we near the weekend, let’s focus on a crucial aspect of our financial well-being—retirement planning. 🕰️ Why Plan for Retirement? Planning for retirement is essential to ensure a comfortable lifestyle in our golden years. It’s never too early—or too late—to start thinking about how to secure your financial future. 💼 Key Steps to Consider: 1. Assess Your Retirement Goals: What kind of lifestyle do you envision? Consider travel, hobbies, or time with family. 2. Understand Your Needs: Estimate your future expenses, including healthcare, housing, and daily living costs. 3. Explore Savings Options: Maximize employer-sponsored plans and consider additional investment accounts. 4. Keep an Eye on Inflation: Factor in how rising costs may affect your savings over time. 📈 Current Trends in Retirement Planning: - The shift towards holistic retirement planning that includes mental and physical well-being. - Increased importance of long-term care insurance as life expectancies rise. Let’s prioritize our futures and ensure we’re well-prepared for what lies ahead. Give us a call today and let us help you to secure your future. How are you planning for your retirement? Share your thoughts and tips below! 👇 #RetirementThursday #RetirementPlanning #FinancialSecurity #FutureGoals

Are you or a friend unsure about the differences between and RA, Pension Fund and a Provident Fund? Check out our article to help you understand. If you would like to find out more or if you do not have an RA and would like one, call our office today on 011 268 1282. #retirementplanning #RA #pensionfund #providentfundd #wealthmanagement #financialplanning

Discretionary Investments: Our discretionary investment business, both onshore and offshore, follows a long-term approach focused around three pillars: Wealth Preservation: Growing your wealth over and above inflation. High predictability of return: Being able to traverse short-term volatility to achieve an investment objective, Risk Management: Making sure all investment plans are curated for an acceptable level of risk for the investor. These three pillars, coupled with an understanding of the client’s Financial Personality and circumstances allow us to provide personalized solutions to an array of client needs. As investment plans are tailored to clients’ needs, we use several financial tools to achieve their goals including but not limited to: 🔹 Balanced Portfolios 🔹 Alternative Investments 🔹 Structured Equity Investments 📞 011 268 1282

Preservation Fund: What is a preservation fund? A preservation fund, like an RA, is a retirement fund in terms of the Pension Funds Act. Preservation funds are designed for individuals who want to invest the proceeds of their pension or provident funds in a tax efficient manner. Proceeds of company-sponsored retirement plans can be transferred to a preservation fund in the event of dismissal, retrenchment, or resignation. This allows your savings as well as the tax benefits of your retirement plans to be preserved. How does a preservation fund work? The primary objective of preservation funds is to preserve sufficient wealth to sustain you after retirement. Failure to preserve your wealth will result in a decrease in current savings as well as the potential returns these savings can produce. Prior to the age of 55 one partial or full withdrawal can be made from your preservation fund. After this, the balance of the preservation fund can only be accessed at retirement or after the age of 55. Withdrawal from your preservation fund is subject to withdrawal tax. What are the benefits of a preservation fund? Preservation funds have the same tax-benefits as retirement annuities and have a variety of investment options. Some, or all your money can be withdrawn prior to retirement and the investment will be safe in the case of debt bankruptcy. Withdrawals are subject to lump-sum tax, but no capital gains tax are applied. ☎ 011 268 1282 https://lnkd.in/dE_cPv_t

Bayswater Capital is a Living Annuity Specialist: An effective approach to invest in your future is through a living annuity. However, you must minimise expenses, maximise returns, and draw a sustainable income if you want it to maintain your lifestyle using a living annuity. Our living annuity specialists make every effort to provide for your needs. We are a well-established living annuity specialist trusted by high-net-worth and family office clients for our client specific solutions. As your dedicated investment partner, we will work closely with you to develop bespoke living annuity solutions and innovative investment ideas that preserve your wealth and guide you to lasting financial wellbeing. Bayswater Capital is a well-established niche player in the financial services sector. We have a strong focus on personal relationships coupled with insightful strategies enables us to help clients make the best financial decisions around living annuites to protect their wealth in the long term. We hope to build long-lasting relationships with our clients that can add value to them across all facets of their financial lives. What is a living annuity? Living annuities are investments linked to unit trusts, cash investments or share portfolios. The funds in a living annuity are not subject to the limits of Regulation 28 like retirement annuities are and therefore the underlying investments of an LA are more flexible. Your underlying investment of an LA can be fully aligned with your investment objectives, risk profile and investment horizon. How does a living annuity work? A living annuity requires you to draw between 2.5% and 17.5% per annum. The income received from your living annuity will form part of your taxable income and you will be taxed at the marginal rate. Transfers and annuity purchases however, are not taxed. What are the benefits of a living annuity? LAs allow you to have the flexibility to set your annual income and control your investment strategy. Funds in an LA are not subject to CGT, dividends tax or income tax until the money is withdrawn.

Please take a moment to meet and appreciate Nosipho Simelane “A woman is like a tea bag — you can't tell how strong she is until you put her in hotwater.” "My name is Nosipho Simelane but everyone at the office calls me NS (so original). I’m part of the Investment Admin team (where the real magic happens) at Bayswater Capital. I’ve been part of the BWC family for almost 2 years. When I am not at work, you’ll find me spending time with family and friends. I love attending concerts, trying out new restaurants and frequenting markets" 

With August being Woman's Month and Friday being Woman's Day, we at Bayswater would love to give a shout out to the beautiful ladies in our team. We appreciate you and value you. Thank you for all you do for the team. Meet Tamryn van Eck: "Hi my names Tamryn but everyone calls Tam. I’ve been working at Bayswater for nearly 2 years. I started my journey at Bayswater as Office Manager but quickly devolved a keen interest for the investment side of the business. From the beginning of 2024 I moved into the position of Compulsory Investment Advisor and have enjoyed my journey of self-development in this space since then.   Outside of work, I love to travel, read, see friends and do an occasional Pilates class"

Discretionary Investments: Our discretionary investment business, both onshore and offshore, follows a long-term approach focused around three pillars: Wealth Preservation: Growing your wealth over and above inflation. High predictability of return: Being able to traverse short-term volatility to achieve an investment objective. Risk Management: Making sure all investment plans are curated for an acceptable level of risk for the investor. These three pillars, coupled with an understanding of the client’s Financial Personality and circumstances allow us to provide personalised solutions to an array of client needs. As investment plans are tailored to clients’ needs, we use several financial tools to achieve their goals including but not limited to: 🔹 Balanced Portfolios 🔹 Alternative Investments 🔹 Structured Equity Investments Give us a shout on 011 268 1282 📞

If you are a Millennial, check this out!

Derivative Trading: A derivative is a financial instrument that derives its performance from the performance of an underlying asset. They are versatile financial tools which can used either to manage risk or to take exposure to an asset. Derivatives allow an investor to hedge against the decline in the value of an existing investment. Using a derivative to protect the value of an investment already held by an investor also allows the investor to potentially monetise the investment without selling it and triggering a tax event. Investors can use derivative structures to profit from either the increase or decrease in the value of an asset which they do not already hold. These structures can also provide leverage which allows investors to gain exposure more than the investable cash which they hold. Derivative trades include: 🔹 Equity Structuring. 🔹 Asset for Share Transfers. 🔹 Total Return Swaps. Bayswater Capital is a Derivative Trading Specialist. We are a well-established derivative trading specialist trusted by high-net-worth and family office clients for our client-specific solutions. As your dedicated investment partner, we will work closely with you to develop bespoke derivative trading solutions and innovative investment ideas that preserve your wealth and guide you to lasting financial well-being. A derivative is an agreement made between two or more parties who can trade over the counter or on an exchange (OTC). These contracts have their own risks and may be used to trade a wide range of assets. Derivative prices are based on changes in the underlying asset. In the global financial system, derivative markets play crucial functions. Although derivatives can be complicated, they are modernised versions of behaviours that have existed for thousands of years, such as betting among friends or farmers agreeing to sell their harvests in advance as insurance. Bayswater Capital is a well-established niche player in the financial services sector. We have a strong focus on personal relationships coupled with insightful strategies that enables us to help clients make the best financial decisions around derivative trading to protect their wealth in the long term. We hope to build long-lasting relationships with our clients that can add value to them across all facets of their financial lives. #derivativetrading #investment #investmentspecialists #finances #clientrelationships #networth #insurance