Financial Products

HDO has a number of Personal, Business and Medical Cover products that can be geared to meet your specific requirements.

Personal Products

Risk Cover

  • gear1.gifRisk products - Risk products allow one to provide an income for those left behind, It covers any debts and brings liquidity to ones estate in order to settle any estate duties, executors' fees and other administration costs.
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Wealth Management

Short Term Wealth Management

  • Unit Trusts - Unit trusts are the pooled resources of thousands of investors who have entrusted their money to a management company.
  • Money Market - In finance, the money market is the global financial market for short-term borrowing and lending.
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Medium Term Wealth Management

  • Education planning - The rising cost of education makes it imperative for parents to start saving at the earliest possible time.
  • Debt Consolidation - Debt Consolidation is the process of combining all or some of the client's debts into one large debt.
  • Tax efficient investments - An endowment is a tax eficient insurance-based investment product that uses pre-tax income effectively.
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Long Term Wealth Management

  • Retirement Planning - Most people find themselves reaching retirement without having done any preparation or planning.
  • Personal Pension/Provident Funding - The goal of a personal pension or provident fund is to provide tax efficient benefit for the individual on retirement.
  • Estate Planning - Estate planning and conservation involves the determination of the value of a person's assets and liabilities at any given time.
  • Wills and Trusts - Wills & Trusts represent the essential pillars of long term wealth preservation.
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Business Products
  • Buy and Sell Contracts
    Numerous problems arise in a business when a partner, sole proprietor, shareholder or member dies. The only effective solution to these problems is a pre-arranged Buy-and-Sell agreement properly funded with life assurance.
  • Pension/Provident Fund
    Pension and provident funds contribute to the welfare and efficiency of an organization and its employees in a number of ways.
  • Deferred/Preferred Compensation
    A deferred compensation plan is a contractual agreement between an employer and employee in terms of which the employer undertakes to provide the employee with an award which is deferred until retirement, death or which binds the employee to a period of service for a specific period that the employer chooses.
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Medical Cover

  • Medical Aid -
    The Medical Aid industry in South Africa has gone through vast change over the last few years.Medical Cover is now a specialised field and in terms of the Financial Advisors and Intermediary Services act (FAIS) only those advisors specifically accredited to provide advice on medical schemes may do so.
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Risk Cover - Overhead Expenses

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The Overhead Expenses Benefit provides monthly funding for business expenses.This benefit provides you with cover to fund your business overhead expenses while you are disabled or temporarily unable to work.The waiting period is one month.

The benefit is payable for a maximum of 24 months or until the benefit expiry age of 60, 65 or 70 is reached - whichever happens first.

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Tax Efficient Investments

diamond.gifEndowment -

An endowment is an insurance based investment product. You can either pay a monthly premium or a lump sum both of which are invested in a mix of equities, gilts, property and cash.

Endowment policies are tax-effective for high income earners. This is because the fund pays a 30% tax rate, whereas you could pay up to 45%.

Once the endowment reaches maturity you can elect to cash it in or leave the policy running and withdraw tax-free amounts.

Contact HDO

receptionist.jpgIf your current portfolio is not living up to your expectations please don't hesitate to contact us.