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Your Savings Calculation
Long term average
Best case outcome
Worst case outcome
A conservative investment strategy can be described as a low-risk investment with the objective of generating above-inflation growth over a 3-year period. A conservative portfolio is comprised of stable and income funds.
A moderately conservative investment strategy can be described as a low to medium-risk investment with the objective of generating above-inflation growth over a 3 to 5-year period. A moderately conservative portfolio is comprised of stable and medium-equity funds.
A moderate investment strategy can be described as a medium-risk investment with the objective of generating growth well above-inflation over a 5 to 7-year period. A moderate portfolio is comprised of balanced and worldwide funds to achieve its investment objective.
A moderately aggressive investment strategy can be described as a medium to high-risk investment with the objective of generating returns well above inflation over the medium to long-term. A moderately aggressive portfolio is comprised of balanced and flexible funds.
An aggressive investment strategy can be described as a high-risk investment with the objective of generating maximum returns attainable from equity markets (shares) over the long-term. An aggressive portfolio is comprised of equity and value funds with exposure to both SA and offshore equity markets.
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What we do
Financial Planning
- Lifestyle financial planning that’s tailor-made for you
- Regular reviews of your financial plan at least annually
- Transitioning from employment income to investment income
- Optimal tax structuring
Investment Management
- Ongoing portfolio management
- Quarterly review meetings
- Recommended portfolio adjustments and opportunity discussions
- Offshore portfolio management and structuring
Estate Planning
- Legacy planning for loved ones
- Wrapping of offshore assets
- Assessing beneficiary nominations
- Drafting of wills
- Drafting of last expenses report
- Estate liquidity calculations
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What our clients say
View all reviews on 
The Best Investment Decision I ever Made
From the time I first connected with Investonline many years ago, the feel-good element was present. Professional, friendly, and proactive advice and suggestions, have always been provided in the best interests of the client. I continue to be very happy with all interactions with Investonline, from my designated Financial Planner, to whoever else might be on the end of a telephone call or e-mail.
Mervyn Sparks
Understanding the Client's Needs
Great to deal with a company who went out of their way to understand my specific needs and to explain their reasons for suggesting alternative investments to what I initially was considering. Admin and contact with Investonline has been excellent so far.
Lindsay Bassett
First time investor
As a complete stranger to investing large sums of money, the team at Ivestonline where unbelievably professional and my portfolio was created without a glitch. I am super confident of a long and prosperous relationship.
Cobus Nolte
Thank you once again for your excellent service
Thank you once again for your excellent service Stuart. You are always there for us when necessary and we really appreciate your friendly and honest approach and very professional assistance. We look forward to a long and mutual relationship with you and Investonline.
Richard & Claire, Knysna.Our Partners
Member of
Contact Us
We’d like to hear from you.
Send an email, give us a call / video call or come see us in person.
Create Your Personalised Financial Plan ×
Welcome to Investonline
Advanced Retirement and Financial Planning
Investonline launched in 2009 to provide independent investment, financial, and estate planning advice tailored for the digital age, nationally.
Offering Living Annuities, Preservation Funds, Endowments, Retirement Annuities, Unit Trusts and Direct Offshore Investing, we make advanced Retirement Planning and Financial Planning accessible from anywhere, whether at home or in the office.
With nationwide service, each client has a dedicated Client Portfolio Manager and supporting team, ensuring a seamless, personalised approach to portfolio, financial, and estate management.
Contact Me
Explore Our Products
Living Annuity
Flexible income options for your retirement
Preservation Fund
Grow and preserve your retirement savings
Retirement Annuity
Tax-efficient savings for your future.
Retirement Planning
Building Wealth for a Secure Retirement.
Offshore Investing
Offshore portfolio structuring and management.
Unit Trusts
Diversify your investments for maximize growth.
Financial Planning
Transition from employment income to retirement.
Insurance Solutions
Protection with market-leading insurers.
Estate & Will Planning
Fiduciary care for your estate and legacy.
Digital Financial Planning
At Investonline, we collaborate with clients to create personalized financial plans using our digital financial planning process. Our reports are tailored to your financial future and desired lifestyle.
After implementing your financial plan and structuring your investment portfolio, we regularly review both to help you stay on track toward your financial goals. This includes making necessary adjustments to your investment strategy or personalized plan.
Next Steps
Discovery
Fill out details on Asset-Map.
Meeting
Connect via Zoom or in-person.
Implementation
Get a Financial report and plan.
Experience our Value-Add over the long term
Investing with Investonline is much more than a once-off experience. Our service offering has been constructed to add value to our investors through every step of their financial and retirement journey.
What are my retirement needs?
What our clients say
View all reviews on
The Best Investment Decision I ever Made
From the time I first connected with Investonline many years ago, the feel-good element was present. Professional, friendly, and proactive advice and suggestions, have always been provided in the best interests of the client. I continue to be very happy with all interactions with Investonline, from my designated Financial Planner, to whoever else might be on the end of a telephone call or e-mail.
Mervyn Sparks
Understanding the Client's Needs
Great to deal with a company who went out of their way to understand my specific needs and to explain their reasons for suggesting alternative investments to what I initially was considering. Admin and contact with Investonline has been excellent so far.
Lindsay Bassett
First time investor
As a complete stranger to investing large sums of money, the team at Ivestonline where unbelievably professional and my portfolio was created without a glitch. I am super confident of a long and prosperous relationship.
Cobus Nolte
Thank you once again for your excellent service
Thank you once again for your excellent service Stuart. You are always there for us when necessary and we really appreciate your friendly and honest approach and very professional assistance. We look forward to a long and mutual relationship with you and Investonline.
Richard & Claire, Knysna.Our Partners
Member of
Investonline Portfolio Performance
Actual 15-year performance annualised from Dec 2009 to Dec 2024
12.3% Aggressive 15 Yr Annualised
10.3% Moderate 15 Yr Annualised
8.6% Conservative 15 Yr Annualised
Investment Insights
Investonline 2025 Market Outlook
2024 can be marked as a year of geopolitical turmoil. From Donald Trum ...
Eight Ways to Maxmise your Year-End Bonus
The tradition of a year-end bonus is no longer a certainty, with chang ...
Four Retirement Planning Mistakes to Avoid
Retirement can be a challenging journey without a comprehensive plan a ...
Investment asset allocations explained
In a previous newsletter, we discussed how inflation affects the buyin ...
Contact Us
Need help with Retirement Products, Unit Trusts or Offshore Investing?
We're here to help!