Wealth Preservation

When you’ve worked hard to accumulate your wealth, you want to look after it. Wealth preservation involves strategies for safeguarding your assets over time and includes diversification, risk management, tax planning and informed investment decisions to maintain and potentially grow your wealth while minimising potential losses.

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Ignore the noise

An effective wealth plan can lead to more logical and informed decisions

With constant negative news headlines and the pressure to follow the crowd, it’s easy to respond with impulsive decisions. But constantly reacting to what you read and hear can severely impact your long-term outcomes. As a high-net-worth client, a wealth plan would provide you with a complete picture of your wealth and your objectives, helping you to remain focused on the long-term and ignore the short-term noise. Money can be a very emotive subject, but working with a wealth planner can take some of the emotion out of your financial decisions.

Cashflow planning

Getting the full picture with cashflow planning

  • What does it show?

    By visualising your income sources, expenses, savings and investments alongside your financial goals, a cashflow plan gives a better understanding of your financial situation over the short, medium and long-term.

  • Analysing the possibilities

    Cashflow planning is an element of your wealth plan that is used to analyse your finances. Our wealth planning team use cashflow analysis software to give a clear picture of your wealth and how it can be managed to achieve your objectives. As experienced wealth planners, we can use cashflow planning to project future financial scenarios and model the potential outcomes, helping you maximise your wealth.

Mitigating the risks

Identifying potential risks helps you safeguard your wealth

Identifying and mitigating potential risks as part of your wealth plan can help you safeguard your wealth for the future. Our wealth planning and private banking teams can explore options with you to help mitigate these risks, such as:

  • Diversification

    Spreading your investments across different asset classes, industries and regions can reduce the risk of losses when markets are volatile.

  • Estate planning

    Thinking ahead and establishing a plan for the tax-efficient distribution of your assets can ensure the smooth transfer of wealth to the next generation.

  • Regular reviews

    Conducting regular portfolio reviews can identify potential risks as markets, economic conditions and your personal goals change over time. Rebalancing your portfolio can then mitigate these.

Frequently asked questions

Nedbank Private Wealth

How can I preserve my wealth?

Incorporating retirement planning, estate planning and tax-efficient options into your wealth plan can help to preserve your wealth.

What impact will tax have on my wealth?

As tax rules change frequently, it’s vital to seek professional tax advice to help you manage your wealth in the most effective way.

How can I avoid taking too much risk?

Once we understand your financial goals and tolerance for risk, we will design your wealth plan to achieve those goals and manage the risks accordingly.

Would a savings account be less risky?

Leaving your wealth in cash savings over a long period could put it at risk from inflation, which can erode its value over time.
Managing risk

Our approach to risk management

Our private banking team and investment specialists take a systematic approach to risk management. When talking with you about your financial circumstances and goals at the outset, we will also establish how much risk you are prepared to take with your money. Your investment strategy is then designed to achieve your financial goals with an acceptable level of risk for you.

Ongoing risk monitoring and reviews are carried out to analyse potential threats, such as market fluctuations, economic downturns and unforeseen events, and your strategy will be adjusted, if appropriate, to ensure it remains on track to meet your financial objectives.

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Tax matters

Considering the tax implications of decisions can help preserve your wealth

Once you have a wealth plan in place, it’s important to review your financial circumstances regularly.

Lives change, goals change, and external factors can change – in particular, tax legislation. While we don’t provide specific tax advice, we will work closely with your existing professional advisers to ensure you have the right approach for you and your family.

By considering tax as part of your wealth planning strategy, you can minimise the amount you need to pay.

Our wealth planning team can assist you in achieving this by helping you make tax-efficient decisions and take full advantage of the deductions, credits and exemptions available to you.

Corporate social responsibility

Recognising the impact and taking action

We support projects that help reduce the impact we have on our local and global environment. We work closely with local charities to help improve the communities in which we operate and, more broadly, we partner with Ecologi to offset more than our collective carbon footprint puts back into the environment.

Related case studies

Read about more clients we have helped

We have helped countless clients with their financial needs – some straightforward, some complex. Our bespoke approach, where we really get to know our clients, allows us to offer solutions that other wealth planners and private banks aren’t able to.

Get in touch today

Find out how we can help you. Call +44 (0)1624 645000 or email [email protected]

Find out more about our teams in the UK, Isle of Man, Jersey and Dubai here

Frequently asked questions

Nedbank Private Wealth

Are there different types of wealth planning?

Wealth planning can include investment management, wealth structuring, risk management, estate planning, retirement planning and legacy planning.

What is a wealth plan?

A fully bespoke wealth plan is an in-depth view of your financial situation both now and in the future. It includes cashflow planning as part of the analysis.

How much does it cost to create a wealth plan?

The initial discussion and creation of a wealth plan are complementary for clients, if you choose to invest with us any updates to your plan will also be free.

What are the benefits of cashflow planning services?

Reassurance you have enough money to last your lifetime and also a realistic picture of what you can afford to do with your wealth.