Investment Planning

Enquire today about our Investment Planning

SmartShare Accounting & Anchor Capital

Turn idle savings into a long-term investment plan.

If you’re sitting with money parked in a bank savings or call account, you already know it could be working harder. Through David Hartley at SmartShare Accounting, in partnership with Anchor Capital, we help clients move surplus cash and portfolios into professionally managed local and offshore investments – aligned with your goals, risk profile and tax position.

We bring together your numbers, your tax and your investments in one joined-up strategy, rather than treating each piece in isolation.

Why work with David & Anchor, instead of “just the bank”?

A proper financial picture, not just a product: we start with your business, personal income, tax and estate planning, then decide how to invest – not the other way round.
Access to professional investment management: Anchor offers a disciplined investment process with local and global solutions for different risk levels and objectives.
Options for different risk levels and timeframes: from income-focused portfolios to long-term growth strategies in global markets.
Tax-aware structuring: because you’re talking to an accountant first, we consider CGT, interest exemptions, retirement planning and business structures before you shift a cent.
Independent, ongoing guidance: you keep a named advisor team at Anchor plus David as your primary financial sounding board.

From “money lying around” to a structured investment strategy

We often see large balances in cheque or savings accounts, surplus cash in business bank accounts, or inherited funds parked in low-interest accounts for years. The problem is that inflation quietly erodes the real value of that money if it’s not invested sensibly.

Working with Anchor Capital, we can help you move excess personal savings, surplus business cash and lump sums from property sales, bonuses or inheritances into diversified local and offshore investments, while staying aligned with your liquidity needs and risk appetite.

What types of investments can we access?

Local income and multi-asset funds for investors wanting income and lower volatility than pure equity.
Local equity and balanced solutions for long-term growth in South African assets.
Global investment solutions – offshore unit trusts and share portfolios giving you exposure to companies and markets outside South Africa.
Personal share portfolios – tailored portfolios built around your needs and preferences.
Solutions suitable for younger investors starting their investment journey with smaller amounts but long time horizons.

How the process works

Discovery meeting with David – we map out where your money is, what your goals are, and what level of risk you’re genuinely comfortable with.
Strategy and structure – we decide on the right mix of personal vs company vs trust ownership, local vs offshore exposure, and once-off vs ongoing investments.
Onboarding with Anchor Capital – once you’re comfortable, accounts are opened in your own name with full FICA, documentation and online access.
Ongoing review – we revisit performance and strategy as your life, business and the markets evolve, keeping an eye on both investment outcomes and tax.

Is this approach for you?

You have R 50,000 or more in savings, money market or call accounts that you don’t need for immediate expenses.
Your business regularly carries large surplus balances beyond its operating needs.
You want to diversify offshore but don’t know where to start.
You’d prefer professional oversight instead of DIY punting shares on a trading app.
You like the idea of your accountant and investment team working together instead of in silos.

Let’s talk about your money actually doing something

If you have cash just sitting in a bank account, this is the right time to review your position. Are you keeping up with inflation? Are you over-exposed to South Africa or under-exposed to growth assets? Is your structure tax-efficient and aligned with your long-term plan?

Next step: contact David Hartley at SmartShare Accounting to arrange a no-obligation discussion about your situation and whether an Anchor Capital solution makes sense for you.