Code 1.8 Wealth Engineering Suite.
The Alternative Yield Portfolio.
Bypass public market volatility. Deploy capital into unlisted preference shares engineered for fixed returns, tax efficiency, and absolute certainty.
Start here
Answer two questions to find the right product:
- What type of money are you investing?
Voluntary capital (savings, sale proceeds, cash) see the three income and growth options below. Compulsory retirement money (pension, provident, preservation, RA) scroll to the Amethyst Living Annuity. - What do you need from this investment?
Monthly income now 12.8% Strategic Income (recommended) or 14.2% Onyx Income+. Capital growth, no income 14.5% Strategic Growth. Not sure how much to allocate? use the Income Goal Calculator or contact us.
Phase 1: Immediate Cash Flow Architecture
12.8% Strategic Income
Fixed 12.8% p.a. + 10% loyalty bonus at year 5
Predictable monthly income with long-term value. Best for investors who can accept slightly lower monthly income in exchange for a capital bonus at maturity.
- · Fixed 12.8% per year for 5 years
- · Monthly dividend income
- · Dividends taxed at flat 20% (not income tax)
- · 10% loyalty bonus on capital after 5 years
- · Capital returned at maturity
- · Zero broker fees 100% invested
14.2% Onyx Income+
Fixed 14.2% p.a. maximum income now
Highest monthly income from day one. Best for retirees who need every rand of cash flow now and don't want to wait for a bonus.
- · Fixed 14.2% per year for 5 years
- · Monthly dividend income from day one
- · Dividends taxed at flat 20%
- · No loyalty bonus (trade-off for higher rate)
- · Broad private-sector diversification
- · Zero broker fees
Phase 2: Pure Capital Compounding
14.5% Strategic Growth
Compound growth no monthly income
For capital you don't need income from. Returns compound at 14.5% for 5 years and are paid at maturity.
- · Fixed 14.5% compound growth per year
- · No monthly withdrawals returns accumulate
- · Dividends taxed at 20% on growth at maturity
- · Capital committed for full 5-year term
- · Zero broker fees
Phase 3: Retirement Liquidity Isolation
Amethyst Living Annuity
For pension / RA money structured returns, tax-sheltered growth
A living annuity for pension, provident, preservation, or retirement annuity funds. Structured returns instead of market-linked volatility. Growth inside the annuity is tax-free.
- · Structured net return profile (10.2% p.a.)
- · Drawdown flexibility: 2.5% – 17.5%
- · No tax on growth inside the annuity
- · Tax only on income drawn (marginal rate)
- · 9% capital bonus after 5 years
- · Inflation protection benefit included
- · Zero broker fees
Not sure which one fits? Most clients don't know until we've discussed their full picture income needs, tax position, estate plan, and time horizon. The calculators give you clarity. A conversation gives you confidence.
Let's have that conversationor WhatsApp: 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 with a qualified financial adviser before making any investment decisions.
Understanding the Architecture. Review the underlying structures, tax routing, and risk mitigation protocols of Everest Wealth.
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