Multitrust Financial Services

Multitrust Financial Services We assist in Financial / estate planning, long/short term insurance, medical aids as well as tax prep

If you receive income outside of a standard PAYE salary, such as business profits, rental earnings, or investment return...
27/08/2026

If you receive income outside of a standard PAYE salary, such as business profits, rental earnings, or investment returns, the first provisional tax deadline is fast approaching. The IRP6 return for the 2027 tax year must be submitted via SARS eFiling by 31 August 2026. This filing covers the period from 1 March to 31 August 2026 and requires a reasonable estimate of your total taxable income for the full year.

Accuracy is vital when filing provisional returns. Submitting an estimate that falls significantly below your actual yearly earnings, or filing after the deadline, can trigger automatic SARS penalties and interest charges. Taking time to calculate your figures based on clear financial records will keep your tax obligations on track and prevent costly surprises.

If you need professional guidance calculating your estimated income, please contact our office:

Telephone: 043 721 2755
WhatsApp: 072 777 2673

Multitrust is an authorised FSP.

23/08/2026

🩺 Have you made use of your health screening benefit?

Many health plans offer members access to health screening facilities, giving you an opportunity to be proactive about your health.

Regular screening can:
* Help identify potential risks such as high blood pressure, high cholesterol or diabetes at an early stage
* Give you personalised insight into your current health
* Help you make informed lifestyle and healthcare decisions
* Help you get more value from the benefits included in your health plan
* Give you peace of mind by keeping track of your health

Early awareness can make it easier to take action when it matters.

Not sure what your health plan includes? Contact Multitrust and we’ll help you understand the benefits available to you.

Multitrust is an authorised FSP.

Achieving long term financial goals requires a plan that balances growth, security, and tax efficiency. An endowment is ...
19/08/2026

Achieving long term financial goals requires a plan that balances growth, security, and tax efficiency. An endowment is a structured investment policy, typically set over five years or longer, designed to help you build capital through regular contributions or a single lump sum. Because tax within an endowment is fixed at a policy level, high income earners often find it a tax efficient vehicle compared to standard marginal rates.

Beyond growth, endowments provide valuable estate planning advantages. By nominating direct beneficiaries, investment proceeds can be paid out swiftly without passing through your estate, minimizing administrative delays. The structured term also encourages steady savings habits while offering protection from potential creditor claims under specific conditions. Contact Multitrust today to discover how an endowment can complement your broader investment portfolio.

Multitrust is an authorised FSP.

It's easy to put important financial decisions on hold. Life gets busy, and "I'll do it later" often feels like the easi...
17/08/2026

It's easy to put important financial decisions on hold. Life gets busy, and "I'll do it later" often feels like the easiest option.

But delaying can come at a cost.

Whether it's reviewing your insurance, increasing your life cover, updating your investments, drafting a will, or planning for retirement, waiting could mean missed opportunities, higher costs, or leaving your loved ones unprotected.

Taking action today doesn't have to mean making big changes. Sometimes, a simple review is all it takes to ensure your financial plan still reflects your goals and your circumstances.

The best time to review your financial future isn't someday. It's today.

Multitrust is an authorised FSP.

One of the most misunderstood aspects of short term insurance is underinsurance and the principle of average that may ap...
06/08/2026

One of the most misunderstood aspects of short term insurance is underinsurance and the principle of average that may apply when you claim.

Many people assume their assets are adequately insured based on what they originally paid for them. However, most short term insurance policies are designed to cover the current replacement value of insured items, subject to the policy's terms and conditions.

As building costs, manufacturing expenses and transport costs continue to rise, the value you've insured may no longer reflect what it would cost to replace your belongings today. Even newer versions of everyday items such as televisions, laptops and appliances can cost significantly more than when you first bought them.

If you're underinsured, the principle of average may apply. This means that if your belongings are insured for less than their true replacement value, your insurer may reduce your claim proportionately, even if it's only a partial loss.

The good news is that underinsurance is preventable. Regularly review your sums insured, update your policy whenever you make significant purchases, and ensure high value items are valued in line with your insurer's requirements.

Need help reviewing your short term insurance? Contact Multitrust on 043 721 2755 or WhatsApp 072 777 2673 to make sure your cover still meets your needs.

Multitrust is an authorised FSP.

04/08/2026

Multitrust is an authorised FSP.

Undergoing knee replacement surgery is a significant life event, and planning your medical aid cover beforehand can help...
31/07/2026

Undergoing knee replacement surgery is a significant life event, and planning your medical aid cover beforehand can help you avoid stressful financial surprises later. While these surgeries fall under your major medical or hospital benefit, they are not automatically classified as a prescribed minimum benefit. This means your coverage depends entirely on your specific plan and its benefit structure.

Your hospital benefit generally covers theatre fees, hospitalisation, and your surgeon's or anesthetist's fees. However, internal prosthetic devices or the artificial joints themselves often have strict annual limits or require co-payments. Additionally, post-surgery care, such as physiotherapy and rehabilitation, might have to come out of your day-to-day benefits.

To make sure you are fully prepared, it is crucial to request approval from your medical aid well before your surgery date. Choosing doctors and hospitals that are part of your scheme network is another excellent way to reduce or completely eliminate unexpected co-payments.

Taking the time to review your plan details now gives you the peace of mind to focus entirely on your recovery.

If you need help reviewing your healthcare benefits to ensure you are properly covered, get in touch with our team today to discuss your plan options.

Multitrust is an authorised FSP.

Most people insure their car. Many insure their home.But what about the income that pays for everything else?If illness ...
26/07/2026

Most people insure their car. Many insure their home.

But what about the income that pays for everything else?

If illness or an accident meant you couldn't work, would your household still be able to cover everyday expenses, bond repayments, school fees and other financial commitments?

Income protection and disability cover can help provide financial support when you need it most. Combined with sensible emergency savings and a well-thought-out financial plan, they can make all the difference during an unexpected setback.

The best time to review your financial protection is before you need it.

Contact Multitrust to discuss whether your current cover is still appropriate for your needs.

📞 043 721 2755
🌐 www.multitrust.info

Multitrust is an authorised FSP

Investing is an excellent strategy for building long-term wealth, but understanding how the South African Revenue Servic...
23/07/2026

Investing is an excellent strategy for building long-term wealth, but understanding how the South African Revenue Service treats your returns is a key part of maximising your growth. The three primary areas that generally impact investors are capital gains tax, dividend withholding tax, and tax on interest income.

When you sell an asset such as property, shares, or unit trusts for a profit, that gain is subject to capital gains tax. Although only a specific portion of the profit is added to your taxable income, it can still influence your overall annual tax liability, which is why holding investments for the longer term can be highly beneficial. Meanwhile, dividends from local and foreign companies are typically subject to a twenty percent withholding tax deducted before payout.

Interest earned on your money market funds, bonds, or savings accounts is taxed at your marginal income tax rate. However, individual investors enjoy an annual interest exemption, which is currently R23,800 for individuals under the age of 65 and R34,500 for those aged 65 and older.

To optimise your portfolio, you can make use of retirement savings vehicles like pension funds, provident funds, and retirement annuities, where growth inside the fund is entirely tax-free. Tax Free Savings Accounts also offer a fantastic tool, allowing you to invest up to R46,000 annually up to a lifetime limit of R500,000, with all interest, dividends, and capital growth completely exempt from tax.

Structuring your portfolio correctly can make an enormous difference to your ultimate financial outcome. Reach out to Multitrust today so we can help you implement a tax-efficient investment strategy tailored to your lifestyle goals.

Multitrust is an authorised FSP.

Address

57a Jarvis Road
East London
5241

Opening Hours

Monday 08:00 - 16:30
Tuesday 08:00 - 16:30
Wednesday 08:00 - 16:30
Thursday 08:00 - 16:30
Friday 08:00 - 16:30

Telephone

+27 43 721 2755

Website

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