Code 1.8 wealth engineering suite
Bypass listed-market noise. Deploy capital into unlisted preference shares built for fixed returns, tax efficiency, and a clear five-year arc.
Two questions point you to the right product.
Voluntary capital (savings, proceeds, cash): use the income and growth options in Phases 1 and 2. Compulsory retirement money (pension, provident, preservation, RA): jump to Amethyst in Phase 3.
Monthly income now: 12.8% Strategic Income (balanced) or 14.2% Onyx Income+ (max yield). Pure growth, no income: 14.5% Strategic Growth. Unsure on split? Use the calculators or speak to us.
Phase 1
Two voluntary products. Same five-year discipline. Different trade-off between cash today and bonus at the end.
Fixed 12.8% p.a. + 10% loyalty bonus at year 5
Predictable monthly income with long-term value. Best if you can accept slightly lower cash flow now in exchange for a capital bonus at maturity.
Fixed 14.2% p.a., maximum income from day one
Highest monthly income from day one. Best for retirees who need every rand of cash flow now and do not want to wait for a bonus.
Compare 12.8% vs 14.2% side by side (run both calculators with your numbers).
Phase 2
One product. No monthly withdrawals. The right-hand panel is the headline economics at a glance.
Compound growth. No monthly income.
For capital you do not need to draw on during the term. Returns compound at 14.5% for five years and are paid at maturity.
Phase 3
Amethyst is for pension, preservation, provident, and RA capital under living-annuity rules.
Pension, preservation & RA money. Structured returns, tax-sheltered growth.
A living annuity for pension, provident, preservation, or retirement annuity funds. Structured returns instead of day-to-day market noise. Growth inside the annuity is tax-free.
Not sure which one fits? Most people only know after income, tax, estate, and horizon are on the table. Calculators give numbers; a conversation gives context.
Let's have that conversationWhatsApp: 067 242 9946
Everest Wealth Management (Pty) Ltd is an authorised Financial Services Provider (FSP 795). AS Brokers (FSP 17273) acts as an independent intermediary. All returns shown are based on current product terms and are not guaranteed. Past performance is not indicative of future results. These investments involve unlisted shares with limited liquidity during the investment term. Please consult a qualified financial adviser before making any investment decisions.
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