Investments built around purpose, goals and professional advice.
Save and invest with structure — through unit trusts, tax-free savings accounts, offshore investments, education savings and goal-based investment planning from Lebon Consulting, with digital access through MyBenefitz.
Portfolio overview
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Illustrative only — not a guarantee of returns
Saving and investing should not be random. It should be intentional.
We don’t believe in one-size-fits-all investment advice. Every client has different goals, income levels, family responsibilities, investment experience, risk tolerance and time horizons. Our process starts by understanding your full financial picture — then helps you select suitable solutions.
What we consider before recommending
From emergency savings to generational wealth.
Different goals require different strategies. Your time horizon changes everything about how and where you invest.
Emergency Savings
Accessible funds for unexpected costs — medical shortfalls, car repairs, home emergencies and income interruptions. Capital stability and liquidity matter most.
Short-Term Goals
School fees, travel, home improvements, a vehicle deposit or planned major purchases. Capital protection and accessibility matter more than maximum growth.
Medium-Term Investment
Education planning, property deposits, business expansion and structured wealth accumulation. Balance growth potential with appropriate risk management.
Long-Term Wealth Creation
Investment portfolios, unit trusts, offshore exposure and estate-linked planning. Time in the market, diversification and compounding drive long-term outcomes.
Solutions structured around your goals and time horizon.
Combined or chosen individually — each solution serves a purpose in a broader financial plan.
Unit Trusts
Professionally managed funds across equities, bonds, property and cash — locally and offshore. Flexible contributions or lump sums, with access to different risk profiles and investment objectives.
Tax-Free Savings Accounts
Earn returns without paying tax on interest, dividends or capital gains — subject to annual and lifetime limits. Suitable for long-term savings and supplementary retirement planning.
Endowment Policies
Medium to long-term vehicles that may offer tax and estate planning advantages for higher-income investors or clients with structured legacy objectives.
Offshore Investments
Diversify beyond South Africa with access to international markets, global companies, foreign currencies and geographic spread.
Fixed Deposits & Cash Savings
Capital stability and predictable returns for emergency funds, short-term goals and conservative investors who prioritise capital preservation.
Education Savings Plans
Structured savings for school fees, university costs, accommodation and future education — planned early, reviewed regularly and aligned with inflation, affordability and time horizon.
Common mistakes we help clients avoid.
Many people invest without a clear plan, chase past performance, ignore fees or mismatch products to their time horizon. These mistakes compound silently over time and erode wealth.
Lebon Consulting helps clients invest with structure, discipline and purpose — matching solutions to goals, risk profiles and time horizons.
- Saving without clear goals
Money left idle or invested without a defined purpose rarely builds wealth with intention.
- Chasing past performance
Yesterday's top-performing fund is not a reliable guide to tomorrow's returns.
- Ignoring fees and costs
Investment costs compound against you over time — understanding total expense ratios matters.
- Not diversifying
Concentration in one asset class, sector or currency amplifies risk without proportional reward.
- Panicking during market downturns
Emotional selling at market lows locks in losses and breaks the compounding cycle.
- Mismatching product to time horizon
Using long-term products for short-term needs — or keeping long-term money in cash — both erode value.
Five steps. One clear investment plan.
From defining your goals to reviewing your portfolio — a structured approach to every investment decision.
- 01
Define your goals
Education, property, wealth, passive income, retirement or legacy. Clear goals determine the right investment strategy.
- 02
Understand your risk profile
Age, income stability, experience, responsibilities, time horizon and emotional comfort with market movement.
- 03
Match to your time horizon
Short-term goals need accessible, lower-risk solutions. Long-term goals may carry growth-focused investment exposure.
- 04
Consider tax & estate planning
How investment decisions interact with income tax, capital gains, dividends, beneficiaries and estate planning.
- 05
Review your portfolio regularly
Life changes and markets move. Your portfolio should adapt when goals, income, family or circumstances shift.
A digital starting point — without losing the advice.
MyBenefitz is a product of Lebon Consulting, operating as its Juristic Representative. Submit your information digitally to begin your savings and investment planning process — our team provides professional guidance from there.
Questions we help you answer
- How much should I save every month?
- Should I use a tax-free savings account?
- Should I invest offshore?
- What investment suits education planning?
- Unit trusts or an endowment policy?
- How do I build long-term wealth?
- What should I do with a lump sum?
- How do investments fit with my estate plan?
Five reasons clients choose us for savings and investments.
Goal-based planning, tax-efficient structuring and regular reviews — with a digital starting point and human guidance.
Goal-based investment strategy
Your plan is built around your specific goals, time horizon, affordability and risk profile — not a generic model portfolio.
Advice, not just products
We help you understand your options and how savings and investments fit into your full financial plan.
Tax-efficient structuring
Understanding how investment choices interact with income tax, capital gains and estate planning.
Access to diverse solutions
Unit trusts, TFSAs, endowments, offshore, fixed deposits, education savings and structured products.
Ongoing portfolio reviews
Regular reviews keep your investment plan aligned with life as it changes — not just at inception.
If any of these sound like you, we should talk.
- Individuals starting to invest
- Young professionals
- Parents saving for education
- Families building long-term wealth
- Business owners
- High-income earners
- Investors seeking offshore exposure
- Estate and legacy planners
Investments and savings, answered.
The questions clients ask most before starting to save and invest in South Africa. Need something specific? Speak to an adviser.
Saving is usually for short-term goals and emergency funds, where access and capital stability are important. Investing is for medium to long-term goals where money is placed in assets that may grow over time, but may also move up and down in value.
Lebon Consulting assists with savings and investment planning, including unit trusts, tax-free savings accounts, endowment policies, offshore investments, fixed deposits, education savings and structured investment solutions where suitable.
A unit trust is a professionally managed investment fund that pools money from many investors and invests in assets such as shares, bonds, property and cash, depending on the fund objective.
A tax-free savings account allows qualifying investors to earn returns without paying tax on interest, dividends or capital gains, subject to annual and lifetime contribution limits set by SARS.
Offshore investments may be suitable for clients who want global diversification, foreign currency exposure and access to international markets. Suitability depends on your goals, risk profile, time horizon and financial plan.
An endowment policy is a medium to long-term investment product that may offer tax and estate planning advantages, especially for higher-income investors or those with estate planning needs.
The amount depends on your income, expenses, goals, debt, emergency fund, retirement planning and investment time horizon. Lebon Consulting helps clients calculate suitable savings and investment contributions.
Yes. Lebon Consulting helps parents and guardians plan education savings for school fees, university costs, accommodation and other future education expenses.
Your portfolio should be reviewed regularly and when major life changes occur — such as marriage, divorce, children, a new job, a business change, an inheritance or approaching retirement.
Yes. Clients can begin the investment planning process digitally through MyBenefitz, a product of Lebon Consulting and its Juristic Representative, and receive professional support from Lebon Consulting.
Investments and savings built for the life you want to build.
Whether you’re starting small, investing a lump sum, saving for education, diversifying offshore or building a structured investment portfolio — Lebon Consulting provides advice-led support with digital access through MyBenefitz.
What you get
- Goal-based investment planBuilt around your goals, risk profile and time horizon
- Access to leading solutionsUnit trusts, TFSAs, endowments, offshore and more
- Professional advice on the recordFrom an authorised FSP — Lebon Consulting
- Digital starting pointMyBenefitz online intake in approximately 5 minutes