Optimal Order of Investing for High Net Worth South Africans

If you’re earning R1 million, R2 million or even R5 million a year, you already know that income alone doesn’t build lasting wealth. What matters is how you structure, protect, and deploy that income — in the right order.

In this video, Hardi breaks down the 7 essential steps every high-income South African should follow to build a tax-efficient, globally diversified, and future-proof investment plan.

You’ll learn:

• Why a 6–12 month liquidity buffer is your first line of defence
• How to protect your income and legacy before chasing returns
• The smartest way to use retirement contributions to reduce tax
• How to eliminate debt that quietly destroys wealth
• When a TFSA actually fits into a high-income plan
• Why offshore tax wrappers give you hard-currency growth and 12% effective tax
• How to add property, private equity, or business interests without over-leveraging

This is the same framework we use at Family Wealth Custodians for top executives, entrepreneurs, and professionals across South Africa.

If you’d like help building your own personalised investment structure, you can book a complimentary Exploration Call using the link below.

Your wealth should give you freedom, not pressure.
Let’s build it intentionally.

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Disclaimer: This video is for educational purposes only and does not constitute personal financial advice. Please consult a licensed financial planner or tax practitioner before making any decisions.