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Client V, a 36-year-old business owner, was selling his business and wanted advice to ensure he was making the best use of the proceeds for his future financial stability while providing his children with a lifetime of experiences.
“As a father and a husband, the main goal of my life and career has been to provide my family with the financial freedom to do what they want to do, rather than ‘what can we afford to do?’. When you have not had money previously, the feeling of what to do next and not ‘mess up’ is unnerving and something I find difficult to deal with,” he told us.
We reviewed every aspect of the client’s financial situation, covering his likely earnings trajectory in the future, his cash requirements, and his retirement goals. We established that his family had several requirements for cash in the short term, but he was primarily concerned with retirement and intergenerational wealth planning. So, we recommended placing most of the capital from the business sale in a long-term investment portfolio with a time horizon of 20+ years, where it could have the best chance of growth.
Creating a robust plan has led to the client feeling confident about the future of their family’s finances and enabled them to explore new possibilities. The client said:
“By working with Investec, I feel secure that my finances are being looked after correctly. Peace of mind is an immeasurable commodity, but I feel, with Investec, that it is growing all the time. I hope by having more peace of mind and a glowing portfolio we can truly travel the world and see all that it has to offer!”
As the family’s investible asset base continues to grow and its requirements evolve, we will continue to work with them to challenge and adapt our plan and investment approach.
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The value of investments and any income from them is not guaranteed and may go down as well as up; you may get back less than the amount invested.
The wealth manager behind the story
Senior Investment Director