Individuals
Tailored strategies for professionals, executives, and retirees.
1. Investment & Portfolio Management
At Oris Invest, we build portfolios around you, not around products. Every investment decision is guided by your goals, time horizon, and personal tax situation. Our focus is on clarity, structure, and long-term alignment.
Our investment approach includes:
- Choosing the right investment vehicle: We advise across a wide range of options, including local and offshore unit trusts, tax-free investments, endowments, retirement annuities, and living annuities.
- Tailored asset allocation: We structure your portfolio across local and global markets to align with your growth objectives and risk tolerance.
- Tax-efficient structuring: We match income types (interest, dividends, capital gains) to the appropriate investment vehicles to optimize after-tax returns.
- Smart contribution planning: We help you manage inflows and withdrawals to avoid unnecessary tax events and penalties.
- Ongoing portfolio oversight: Regular monitoring, rebalancing, and tactical adjustments to ensure your portfolio stays on track.
- Performance and risk reviews: We conduct periodic reviews to measure performance, assess risk exposure, and ensure continued alignment with your goals.
- Cost-conscious investing: We pay attention to total investment costs, using cost-effective platforms and funds without compromising quality.
- Behavioural coaching and discipline: We help you stay focused on the long term, especially during volatile markets.
2. Retirement Planning
Your retirement should be lived with purpose, not uncertainty. We guide you through every stage – helping you understand what you’ll need, how to get there, and how to make your money last.
Pre-Retirement Services includes:
- Retirement savings strategy: Selecting the right investment vehicles (Retirement annuities, pension, provident, preservation, TFSA, discretionary) based on your income, goals, and marginal tax rate.
- Income needs analysis: Calculating the retirement income you’ll need to sustain your lifestyle.
- Cash flow projections: Modelling retirement income scenarios to determine sustainability and identify potential shortfalls.
- Tax forecasting: Estimating future tax liabilities to ensure efficient retirement capital structuring.
- Portfolio design: Aligning your asset allocation with your time horizon, goals, and Regulation 28 compliance.
- Scenario planning: Testing outcomes based on market returns, inflation, longevity, and contribution levels.
- Strategy reviews: Regular check-ins to adjust your retirement plan as your life and goals evolve.
- Income drawdown planning: Identifying the most tax-efficient sequence of withdrawals across living annuities, guaranteed annuities, discretionary funds, and cash and other assets.
- Integrated asset strategy: Structuring your retirement portfolio to balance growth, income, and risk in retirement.
- Ongoing cash flow management: Monitoring your spending and updating projections to ensure sustainability.
- Tax optimisation: Managing retirement income to reduce tax drag and preserve capital for longer.
- Legacy and estate alignment: Ensuring your retirement assets support your legacy goals and estate plan.
- Emotional transition support: Helping clients navigate the psychological shift from earning to drawing an income.
3. Estate Planning & Legacy Structuring
Protecting your legacy starts with a well-structured plan. We help you ensure that your wealth is transferred according to your wishes efficiently, tax-effectively, and with clarity for your loved ones.
Our services include:
- Will drafting and annual reviews: Ensuring your Will is always up to date and aligned with your estate planning goals
- Estate liquidity analysis: Assessing whether your estate will have sufficient cash to cover executor fees, taxes, outstanding debts, and bequests.
- Trust and beneficiary planning: Advising on testamentary and living trusts to protect vulnerable heirs and manage generational wealth.
- Offshore estate planning: Structuring global assets to reduce complexity, avoid unintended taxes, and streamline cross-border succession.
- Heir education and legacy continuity planning: Helping your family understand and preserve the values and structure behind your estate plan.
4. Personal Risk Protection
Building wealth is only half the story, protecting it is just as important. Our approach to personal risk ensures that unexpected life events don’t derail your financial plan.
Our services include:
- Life cover needs analysis: Calculating the right level of cover based on liabilities, dependents, and long-term income needs, not just arbitrary multiples.
- Disability and income protection: Structuring policies that provide meaningful protection while remaining cost-effective.
- Estate duty and liquidity planning: Using policy ownership and beneficiary structures to minimise estate duty and ensure quick access to funds.
- Policy audits and reviews: Ongoing review of existing cover to ensure it remains appropriate as your personal and financial situation evolves.
- Integration with your financial plan: Aligning all risk products with your estate and investment strategies for seamless protection.