About Us

SecureWealth is a Cape Town-based Financial Services Provider that has been managing local and offshore investment portfolios, private share portfolios and externalized mutual funds on behalf of our high net-worth clients for over 23 years. Our clientele includes companies, trusts, families and individuals. We strive to provide prudent financial advice that encourages capital growth and consistent income. Where possible, SecureWealth deals directly with each preferred provider, thereby minimizing fees. Our preferred providers are arguably the most reputable organizations in their respective jurisdictions.

Our Fund Providers

Current House Views

Allan Gray - South Africa

We are cautious of the local political landscape and ongoing stress on foreign relations, specifically with the US, owing to President Trump's animosity towards the ANC government. Despite fantastic local performance, we prefer to have the majority of our client's funds off-risk, primarily in the Allan Gray Interest Fund, which is earning 11% annually. However, we have select local equity exposure, mostly in companies that generate large portions of their revenues overseas.

Allan Gray - Offshore

Our largest offshore holding is the low-risk Orbs Optimal SA Fund, which can produce acceptable returns in both a rising and falling market. This competes, and has consistently beaten offshore cash and bonds. When adding risk offshore we prefer a diversified portfolio focused in Australia, Japan and Emerging Markets, such as South Korea, China, Taiwan, Brazil and Mexico. We also holders of gold for our offshore clients.

Investec - Offshore

Investec houses our personal share portfolios. We have given excellent returns, and without owning expensive American technology shares, which we feel are overvalued. We have held resource shares into the rally, with Newmont being our most notable position. We currently favor energy, precious metal-mining companies and high dividend yielding blue chip stocks with strong balance sheets. This blend creates an exciting degree of diversification, combining a steady stream of dividend income with high growth prospects.

Investec - South Africa

We also have access to any share, fund or instrument on the JSE. We prefer large cap South African shares with an offshore footprint, offering a margin of safety due to the tremendous uncertainty in SA. Our largest holdings are Naspers, Prosus, and British American Tobacco. We also fee that the local banks offer exceptional value and pay decent annual dividends.

Mike Carruthers

Managing Director

Mike is the Managing Director of the company and his goal is to grow the company aggressively, but not at the expense of a personal and conscientious approach to our clientele. He intends doing this by employing qualified professionals, offering excellent investment stewardship for an equitable fee and acquiring suitable small to medium companies. Under Mike’s leadership, SecureWealth has become one of the leading financial services providers in South Africa – cultivating successful relationships with some of the largest and most reputable asset managers in the world. Mike has also completed two Iron-Man triathlons, is married to Gretchen, and has two sons; Brad and Matt.

Maryka Smit

Director

BComm Industrial and Organisational Psychology - UNISA

In March 2002 Maryka moved to Gallarate, Italy for two years and from there she studied full time through Unisa to complete her Bachelor of Commerce (Industrial and Organisational Psychology). Upon returning to South Africa, Maryka took up a position at Nedcor in the Group Finance department, and from there she moved to Capitec Bank. Maryka has since been with SecureWealth since 2006. Having dealt extensively with Masters of the High Court throughout South Africa on numerous complex trusts, estates and wills, Maryka is well-qualified to handle any fiduciary requirements. She is married to Ché, and has a daughter, Chané, and a son, Keean.

Marcianette Jooste

Internal Compliance Officer

BComm Human Resource Management - UNISA

Marcianette joined SecureWealth in 2009. She has recently completed her Batchelor of Commerce in Human Resource Management, including Financial Management and Accounting. Marcianette has two daughters, Tatum and Jessy. Marcianette is a committed Christian and is the lead singer at her local church, the United in Christ Assembly in Somerset West.

Matthew Carruthers

Director

CFA, BCom Economics (Hons) - Stellenbosch University

Matt completed his undergraduate BCom in Mathematical Sciences at Stellenbosch University, majoring in Economics, Investment Management and Operations Research in 2016, and then attained his Honours degree in Economics the following year. Matt became a CFA Charterholder having completed Level III in September 2022 and has ambitions to attain his MBA in the future. Matt currently lives in Cape Town, and is a hockey player for the Western Province Cricket Club. Matt also enjoys playing golf, football, padel and tennis.

Brad Carruthers

Non-Executive Director

MSc Statistics (Research) - London School of Economics

Brad studied in London where he completed a Masters in Statistics at the London School of Economics. Prior to that he studied Mathematics, Economics, and Statistics at Stellenbosch University, worked at SecureWealth as an Investment Analyst for 3 years, and is currently a Senior Data Engineer in Rotterdam, The Netherlands. Brad brings technical expertise and a thorough understanding of good corporate governance to the table. Brad and his wife, Bronwyn, currently stay in The Hague with their two daughters, Olivia and Eleanor.

Our Products

Bespoke Local Share Portfolios

We offer the ability to create diversified local share portfolios on the Johannesburg Stock Exchange. We tailor these portfolios to suit the individual investor, whether an income-producing portfolio is created, or one more focused on long-term growth. At the moment, we favor the banks and in general, companies with a good dividend payment history, as well as some local companies with overseas exposure. Our local share portfolios have given double-digit returns in the low to middle teens recently.

Bespoke Offshore Share Portfolios

We offer bespoke offshore share portfolios via Investec Securities, affording us access to all of the world's main stock exchanges, including the NYSE, the LSE, and the Euronext, effectively giving us the ability to buy any major stock in the world. These portfolios are designed with the investors end goals in mind, and are constantly reviewed for new opportunities. The pie chart to the right illustrates our favourite stocks at the moment. As you can see, we prefer emerging markets, resources, and energy.

Local Unit Trusts

We offer cost-effective access to all major fund managers, both locally and offshore, via Unit Trust investments. These are post-income tax vehicles with discretionary funds that are accessible within 24 hours and offer fantastic income and growth opportunities.

These unit trusts can be managed so as to produce income on a monthly basis for our clients.

Offshore Accounts

Known globally as mutual funds, we offer the ability to externalize local funds , thereby converting them into global currencies (USD, EUR, GBP, JPY and AUD) which can then be invested in diversified offshore accounts. Furthermore, we can use already externalized funds create to a global portfolio for our clients, tailored to their needs.

Our Offshore Accounts have enjoyed high-double digit returns over one year, three years and longer.

Life Products

We also cater to new and existing life products, including:
1. New Generation Retirement Annuities
2. Living Annuities
3. Pension & Provident Preservation Funds
4. Local Endowments
5. Offshore Endowments
6. Tax-Free Savings Accounts

These can be invested locally and offshore, in high and low-risk accounts.

Cash Management

We also offer our clients the ability to earn above-bank interest rates in money market accounts that are easily accessible, and automated to pay our clients a discretionary income on a monthly basis. These funds are invested in the Allan Gray Interest Fund, which is currently yielding 11%. . This is a cost-effective money management strategy that is constantly reviewed by our investment team.

We recommend this over a bank-account, owing to:
1. Rampant internal fraud in the South African banking system.
2. These funds are invested off Allan Gray's balance sheet in diversified short-term notes and bonds (soverign and corporate).

Risk Warning

Advice on this website is general advice and may not be suitable to every investor.
You should not speculate with money you cannot afford to lose.
Markets can rise and fall and previous performance is no indication of future returns.
Generally, the best investment you can make is to settle outstanding debt first, including your home loan.
Currency movements play a large role in your investment return and may impact your portfolio positively or negatively.
Typically, emerging markets are more volatile than developed markets.
On average, smaller companies will be riskier than larger well-established companies.
Historically, buy and hold investing produces superior long-term returns compared to short-term trading.
Diversification is the simplest way to reduce risk and earn a reasonable return.
Higher risk implies higher potential reward, but also higher potential downside.

Disclaimer

The information provided on this website has been compiled for your convenience. SecureWealth makes no warranties about the accuracy or completeness of any information contained on this website.
SecureWealth, including its directors, affiliates, officers, employees, agents, contractors, successors and assigns, will not accept any liability for any loss, damage or other injury resulting from the use of this website.
Links to other websites are provided for your convenience and SecureWealth is not responsible for the information contained on those websites. The provision of a link to another website does not constitute an endorsement or approval of that website, or any products or services offered on that website, by SecureWealth. SecureWealth will not accept any liability for the use of those links to connect to websites that are not under our control.
SecureWealth, its directors, affiliates, officers, employees, agents, contractors, successors and assigns do not accept any liability:
(a) for any investment decisions made on the basis of this information. This website does not constitute financial advice and should not be taken as such. SecureWealth urges you to obtain professional advice before proceeding with any investment.
(b) for any damages or losses whatsoever, arising out of, or in any way related to, the use of this site and any other site linked to this site.
The limitation on liability contained in paragraph 4 applies to direct, indirect, consequential, special, punitive or other damages that you or others may suffer, as well as damages for loss of profit, business interruption or the loss of data or information.
Nothing in this website constitutes or is intended to constitute an offer of, or an invitation to purchase or subscribe for, securities.
SecureWealth reserves the right to make changes, modifications, additions, deletions and corrections to the website, at any time and without notice.

Privacy Policy

SecureWealth respects all our clients privacy and is committed to keeping your information secure and confidential. Please click here to view our Privacy Policy Statement and here to view our Promotion of Access to Information Manual, in accordance with the Protection of Personal Information Act (POPI Act - No. 4 of 2013) and the Promotion of Access to Information Act (PAI Act - No. 2 of 2000). Should you have any queries or questions regarding our Privacy Policy, please do not hesitate to contact our offices: info@securewealth.co.za.
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DMARC Compliance

SecureWealth places internet and email security as a top-most priority. We are constantly implementing cutting edge security measures to ensure our website, email communications and all other IT related functions are fully protected against impersonation, fraud, and data theft. For this reason, we are fully DMARC compliant. Please click here for our Certificate of Compliance.
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nCino Compliance

We have recently added nCino as one of our preferred third-party service providers in order to assist in the screening of all our clients against the Targeted Financial Sanction list, as published by the Financial Intelligence Centre (FIC).

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About Us

Our Fund Providers