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The Altvest

Endowment

An endowment is a medium- to long-term savings product that combines investment growth with life insurance benefits. It is ideal for individuals with a marginal tax rate higher than 30%, as the fund’s tax structure can provide tax efficiency.
With the Altvest Endowment, you get a tax-efficient investment solution designed to maximize long-term wealth creation. To tailor your investment strategy, you can allocate your funds to one of Altvest’s flagship funds—or a combination of both:

Altvest Growth Fund

The Altvest Growth Fund is a multi-managed, multi-asset portfolio designed for investors seeking a balance between capital growth and risk management. This fund:

  • Invests in a combination of local and international equities, listed property, and fixed income assets.
  • 20% of the portfolio is allocated to alternative investment opportunities curated by Altvest Capital.
  • Targets moderate to aggressive capital growth while maintaining compliance with Regulation 28, making it suitable for retirement products​.

Altvest Opportunities Fund

The Altvest Opportunities Fund is a high-risk, high-reward investment vehicle that provides exposure to alternative investments across diverse sectors. This fund:

  • Focuses on private equity, SME investments, and impact-driven opportunities curated by Altvest.
  • Targets capital growth and income generation, leveraging non-traditional investments with higher return potential.
  • Ideal for investors with a long-term investment horizon looking for diversification beyond traditional asset classes​.

Flexible Investment Allocation

You can choose to invest 100% into either fund or blend your allocation based on your risk appetite and financial goals. Whether you prioritize growth within a structured regulatory framework or seek higher returns from alternative assets, the Altvest Endowment gives you control over your investment strategy.

Key features include:

Tax Efficiency:

Investment returns are taxed within the policy at a fixed rate of 30% for individuals. This makes it attractive for high-income earners who would otherwise pay a higher marginal tax rate.

Restricted Access:

Endowments have a minimum investment period of 5 years, during which access to funds is limited. During this time, policyholders are allowed only one withdrawal or loan. After a 5 year period, funds become accessible

Estate Planning:

Proceeds from an endowment can bypass estate duty if a beneficiary is nominated.

Capital Growth:

Offers the potential for capital growth by investing in various asset classes, based on the chosen policy’s underlying portfolio.

Sign up to find out more about endowments.

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The ordinary and preference shares of Altvest Capital Limited, registration number 2021/540736/06, are listed on the JSE AltX Exchange and A2X, respectively. Altvest Credit Opportunities Fund Limited issues debt notes listed on the CTSE and is a registered credit provider with NCR no: NCRCP18241.All advice and intermediary services are rendered by Altvest Wealth (Pty) Ltd, an authorised financial services provider, FSP No. 45810.

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