QUARTERLY INSIGHT The benefits of our trading platform Grant Meintjes Head of PSG Securities PSG Wealth

In this article we showcase and explain the benefits of using our platform to trade online. This includes access to a choice of instruments, the flexibility to invest locally and internationally, stock-specific research and a range of support services and tools. Our online chat and tutorial support, fundamental analysis, charting tools and predefined suggestions aim to help you select investments to meet your clients’ objectives.

Shares offer the best return prospects over the long term History shows that, over the long term, shares deliver better returns compared to other asset classes such as bonds or cash, despite shares holding a higher investment risk. For example, over the last 10 years, the FTSE/JSE All Share Index (ALSI) returned 13.34% compared to the 7.5% return from the money market. To optimise returns over the long term, it is important to have a sufficient exposure to shares in a portfolio. The platform can assist irrespective of whether your clients need an actively managed equity fund, index tracking portfolio or a share portfolio.

We continue to enhance our securities offering PSG Wealth is uniquely positioned to help you service your clients across the spectrum of financial needs from the young saver through to the sophisticated executive. Within these archetypes, there are clients who may wish to delegate their financial decisions to you entirely as well as those who may wish to be active themselves for a certain portion of their portfolio, simply because they enjoy trading.

Advice is crucial, as is educational support about trading We believe advice is at the core of any financial plan and investment strategy. However, those clients that choose to transact themselves will be better off if we give them the tools and services that empower them to do so. This is why we provide access to a number of helpful tools and services to support the trade of securities online or through our trading desk via telephone. The telephonic service is provided at no charge – a unique industry advantage.

You can trade locally and internationally with one login Our platform gives clients access to shares, exchange traded products, hedge funds and derivative instruments on major markets both locally and abroad. Direct market access is provided to all local products along with access to 35 international markets. Clients may access offshore accounts

by making use of their offshore investment or discretionary allowance or the PSG institutional asset swap facility. You and your clients can access the local and international markets via the same platform and login.

We offer tools to facilitate stock selection Depending on one’s level of investment expertise and experience, selecting the appropriate shares to include in a portfolio can be challenging. The important thing is to make informed decisions based on a rational evaluation of the stock’s long-term prospects. Our platform gives you access to a range of tools and services that include the following: Predefined suggestions to match requirements As with any investment, you should have a clear investment objective when you start building a share portfolio. Once you have defined this, the platform can help you identify shares that meet your or your client’s requirements. Some of the predefined suggestions available include the ‘top 10 buys’ for large and small caps respectively, undervalued quality shares and investing for dividends. Company analysis from our research team If you or your clients are interested in a specific share, you can access our investment division’s company analysis on the share. This includes key financial data that can help inform your investment decision, such as the share price, dividend yield, and our recommendations. This, combined with our technical charting functionality can provide a helpful aid to help you assess opportunities. Convenient access to international opportunities Owning shares in foreign markets enables you to diversify portfolios and to participate in exciting growth opportunities. The increase in the amount South Africans are able to take in recent years, has pushed up the demand for international trading opportunities. The volatility and weakening of the rand over the past few months also sparked an increase in offshore investing. As a result, international trading has become much more accessible. You can invest in sought-after international companies such as Apple, Pfizer and Google though our platform. The offering includes ordinary shares, exchange traded funds and American depositary receipts.

THIRD QUARTER 2016

QUARTERLY INSIGHT

Currency conversions for investments of R1 million or less You don’t need clearance from SARS on the first R1 million you invest offshore. In this case, our offshore securities team can help clients convert rands into the base currency of the offshore investment account, whether it is British pounds, US dollars or euros. More frequent investment insights Our stock research was previously outsourced to Independent Fundamental Research (IFR). We have created our own in-house investment research team that now operates under the PSG Wealth banner and reports to our Chief Information Officer, Adriaan Pask. The investment division provides fundamental research reports on stocks and also operates in the unit trust universe. Having an in-house team has enabled us to broaden our distribution of investment publications and, in so doing, help you to position your thought leadership with select clients. We now distribute daily, weekly, monthly and quarterly investment publications. This has proven an excellent value add, especially during periods of volatility such as that which followed the recent Brexit vote.

A reminder that the myPSG app provides a range of functionality 1. All PSG clients have access to the myPSG app which provides a dashboard view of a client’s position on all PSG products. It also enables clients to load any non-PSG advised products on the system so that they have one holistic view of their entire financial planning and investment portfolio. 2. You can generate customised financial reports for investment planning, life and risk planning, and provides access to tools such as a net tax calculator, gross tax calculator, maturity calculator and risk profiler. 3. The myPSG app also provides a handy way to stay on top of recent PSG investment commentary and direct links to PSG news feeds.

Explore a world of opportunities to grow wealth Please click here to find out more about the services and tools you and your clients can access through our online platform.

THIRD QUARTER 2016