Ask Albert-Your Retirement Questions

Q: What’s the catch with the 12.8% return?

A: There’s no catch. The 12.8% is a gross return based on a fixed term product. A bonus is paid after 5 years, and we’ll show you exactly how it affects your income over time.

Q: How is the 14.2% different?

A: The 14.2% product gives you more income now, without the 5-year bonus. It’s best if you need maximum income today rather than later.

Q: What do I need to get started?

A: Just the 3 things:
• Your name and email (to send your official quote or result)
• The amount you’re thinking of investing
• A choice between the 12.8% or 14.2% (or a request to compare them)

From there, everything is handled for you.You can fill out the contact form and indicate your intentions on the information space.

Q: How does the application process work?

A: We need a signed application, quotation, risk profile analysis, copy of ID, proof of address, proof of bank and income tax number. You will be provided with an investment number and proof of your application from where you will be required to pay the money into your investment account. If all this happens before the 22nd of the month you can expect to receive your first dividend in the beginning of the next month.

Q: I need more income, but I’m scared of risk.

A: That’s exactly why I created the comparison calculator. These are structured products with capital protection, unlike market-based annuities. I’ll walk you through the trade-offs. The only investments you can get with no risk is if you purchase a guaranteed investment. If you have no one to assist you we can help with either momentum or Discovery products.

We have been selling Everest for the past 5 going on 6 years and none of our clients missed a single monthly income and our first renewals has been successful. Our guarantee lies in the due diligence we did and our relationship with the people at Everest and the business model they have created.

Q: How does the tax work?

A:On the two voluntary fund products dividend tax of 20% will be deducted and paid over to the receiver by Everest Wealth before you get your income unless the investor is a company. The living annuity tax will be be deducted according to South African tax tables and paid over to Everest Wealth. You will be provided with the tax documents required for your tax return.

Q: Albert why do you sell Everest Wealth and what makes you excited about their products?

A: There are many but here are the main reasons.

• We get paid a fee by Everest from the investment and not by the client allowing us to pass the benefit on to the client, we do not charge any fee to the client although charging a fee is common practice.

• Unlisted shares we do not have to assist in any fund selections so no quarterly reviews and no looking into the future. Fund managers battle to beat inflation how are we suppose to know what funds to choose. Everest handle the fund management with the investment model.

• Fixed income and fixed return for the client. No guessing on what it is that we offer

• Double digit returns. Most clients want guaranteed products but the income is just not enough. They look at us for alternatives.

• Dividend tax instead of income tax great for pensioners or retirees with high income needs

• The 12,8% product offer an inflation protector every 5 years of 10% helping clients to beat inflation.

• The Everest business model is a winner for all parties involved. Products is straight forward and easy to understand.

• One of the main reasons I work with Everest Wealth is because they’ve achieved what very few boutique investment houses ever do — they’ve been granted regulatory approval to offer living annuities.
  That’s no small feat. It’s a rigorous process that requires:
  strong financial backing

• A solid investment track record

• Robust compliance and governance structures

• This approval alone is a mark of credibility, and it shows that Everest isn’t just offering good returns — they’re building long-term, retirement-focused solutions with full regulatory oversight.
  that’s why I confidently recommend their products, including:

• The 12.8% income strategy with a future bonus

• The 14.2% higher-income option for retirees who need more now

• And now, the ability to stay with Everest even after retirement through their approved living annuity
  For my clients, this means continuity, security, and the ability to plan with confidence.
  

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