skypeKristiansens Financial Planning Consultants is a licenced financial services provider registered with the Financial Services Board, managing personal investment portfolios with emphasis on reducing risk exposures and optimizing growth potential.
Personal Investment Management, Income Protection, Health Solutions, Life Assurance and Business Guarantees.
Kristiansens H/O
26 Blenheim Rd
Diep River
Western Cape
South Africa
Financial Services
Privately held
1985
1-10 employees
FSP 14180
Over 30 years ago, Paul Kristiansen founded our company on a simple truth that remains true today: exceptional growth takes exceptional dedication.
The high level of personal service and dedication we deliver is unique in the industry, and has limited the number of clients we could service up to now.
Our goal is to expand our service to reach out to more people, like you, and enrich your lives with the benefit of the dedicated service we are known for.
Personal investments (like unit trusts, endowments, pensions and retirement annuities) often take punishment in poor economic conditions, because they are subject to long-term mandates and are only reviewed annually.
Good growth is always achievable, but it requires proactive management of asset allocations in response to market conditions, involving:
1. Frequent monitoring of your investments (weekly or monthly)
2. Quarterly reviews of growth and new investment opportunities
3. Intermediate interventions to protect investments at risk.
Our exclusive Proactive Capital Protection service can protect your retirement capital from being eroded and
can ensure good growth is maintained (even in the worst economic conditions). Click this button to find out more:
Life Insurance is the gift of protecting your family’s future from the financial effects of losing a loved one, who is also a bread winner. The tragedy and heartache of a funeral is, often, followed by an avalanche of bills and financial hardship that seems never-ending.
If your family must go through the emotional process of coping with the loss of a loved one, at least help them cope with the financial burden by planning ahead.
Insurers offer a veritable minefield of life policies, confusing options and financial jargon that seem designed to take advantage of you, so it is imperative that you obtain the very best professional advice to choose the life insurance solution that is just right for your family.
At Kristiansens, we take great pride in offering client-focused advice that ensures your personal life solution reflects your family's needs and financial goals.
Give your family the gift of life insurance! Contact us now by any of the methods bel);ow (or just click this button):
Being diagnosed with cancer is a daunting prospect, but the good news is that modern medical advances ensure you are likely to survive most conditions. The bad news is that the financial burden of the medical procedures, recuperation and lifestyle changes may cripple you.
In the words of Dr Marius Barnard: "having survived a major illness, your cost of living will be greater than the cost of dying". In fact, he was so appalled by the financial hardship his patients suffered after saving them, that he convinced insurers to introduce Critical Illness Insurance.
Beside the considerable cost of the medical procedures, additional expenses can include: medical aid shortfalls, reconstructive surgery, recuperation therapy, medical appliances, home/vehicle adaptation, nursing assistance, increased living costs and, inevitably, the loss of income.
Critical Illness insurance pays a tax-free lump sum on diagnosis of over 200 cancers and serious illnesses.
Let Kristiansens advise you on Critical Illness insurance today:
Disability and death are not things we think about when it comes to business, but consider what might happen if a key person in the company died or became disabled and could no longer work.
If the key person was an owner, shareholder or partner, would you and the other owners be able to afford to buy out their business interest and replace the financial guarantees given to your bankers and suppliers?
If the key person was an employee with specialised skills, replacing them could be costly and might affect the financial future of the business, especially if they are integral to running the business.
Key Man Insurance and Contingent Liability Insurance can refinance your business when the chips are down.
Kristiansens can advise on solutions for protecting and funding your company’s future. Contact us today:
Your personal ability to earn an income is your greatest asset. It ensures a future for you and your family and makes your lifestyle possible, along with all the special moments in it. Years ago, you would have lost all of that if you became retrenched, ill or disabled.
Thankfully, today, we can offer you South Africa’s leading Income Protection solution that adds all the protection you and your family may need against life’s unforeseen events, like:
• Disability and illness that may temporarily or permanently prevent you from being able to earn an income
• Retrenchment from work
• Loss of retirement benefits.
Kristiansens can help to you protect your future income! Contact us now using the methods below or just click this button:
An Exchange-traded Fund (ETF) is similar to a Unit Trust Fund (UTF) since you buy “units” in the Fund.
An ETF tracks the index of an asset (such as Gold, Property or the S&P 500) you want exposure to; whereas a UTF buys and sells shares at their own discretion! For example, if you invested in a Gold ETF, then your ETF holds physical gold and tracks the index of Gold, whereas a UTF holds Gold shares causing a disconnect between "low share prices caused by increased costs" versus "higher commodity prices".
Today, many investment houses offer free direct investment services online, which specifically exclude important investment services like: (a) advice on choosing the ideal fund for yourself; and, more importantly, (b) ongoing tracking on your behalf to ensure optimum growth.
If you invest directly in any fund, you may save minor fees upfront; but, usually, end up losing money in the long term. All fund managers are driven by self-interest, so poor performance is, often, masked by ambitious projections of future returns. Consequently, many "direct" investors may remain unaware of their personal losses, because they don't have an independent professional looking after their investment interests.
If you don't have the time to ensure the best return of your investment, engage a professional to actively manage your investments. Professional investment management is inexpensive and ensures your investment portfolio is regularly analysed to dynamically balance your asset allocation in response to your changing circumstances and economic realities; so your capital is protected and your growth is maintained. I recommend quarterly review, but the interval can be flexed according to your desired risk profile.
ETF's are considered to be a very good investment, when closely managed; offering better returns with lower costs than comparative investments. If you are interested in learning more about ETF investments, contact me using any of the methods indicated on this page.
Great article! I invested in Unit Trusts. Should I rather invest in ETFs and, if so, why?
Hi James
Typically, ETF's perform better, particularly when closely monitored. If you are interested, we can review your portfolio.
It is vital that you diversify your investment portfolio to moderate your overall risk exposure. The proverb: “Don’t put your eggs in 1 basket” illustrates this principle perfectly — if your eggs (i.e. investments) are spread across several baskets (i.e. markets), dropping 1 basket would not kill your portfolio.
As the name implies, cash investments (for example, call accounts and deposits) are easily redeemable, which is important when you need your money in a hurry. Returns are low, but the diversification benefits include their high-liquidity and very low-risk profile.
The Equity Market provides the opportunity to trade a variety of listed securities, including shares, unit trusts, exchange-traded fund (ETFs) and warrants. Returns can be very high, but risks are higher; so diversification and monitoring of your investments within this market is important.
Bonds pay interest twice per year, which means they provide a predictable income stream. Returns are low-to-moderate and the associated risks are, typically, lower than equities.
Historically, the Property Market has always been a good long-term investment. Investing in property can be lucrative, whether you simply purchase a home or make a business out of it.
It is also important to diversify globally. When domestic markets fail, international markets may thrive and, the other way around. Returns vary widely and are subject to the effects of currency fluctuations; so close monitoring is essential unless your investment is long-term (like property).
Achieving optimum diversification is an exacting undertaking, but essential to moderate your risks. If you don’t have the time or expertise, don't take a chance, appoint an accredited investment manager.
I looked at offshore investment, but the returns seem far too low compared to South Africa. Doesn't that make it a bad investment?
Hi Frans. Yes, returns in developed countries are, typically, lower than those in developing markets, but the risk is also lower. We particularly like Listed Property as an asset class that can offer global diversification through strong currencies other than the US Dollar, which is losing its reserve currency status.
The public perception of Life Insurance has been tarnished by dodgy insurance salesmen and inappropriate insurance products; as a direct result of financial advice funded by commission paid by Insurers.
This is unfortunate because Life Insurance is the ultimate gift you can give to those you leave behind; which may include:
• Your family and dependents;
• Business partners; and,
• Any charities you support.
Insurers offer a veritable minefield of life policies, confusing options and financial jargon that seem designed to take advantage of you. Finding the specific life insurance gift, that fulfils your wishes, requires independent professional advice and, preferably, not free advice funded by sales commission.
Given the state of the industry, the chances are that your gifts may not be appropriate; so don’t hesitate to contact a registered financial advisor to review your life insurance portfolio. As one insurance salesman said: “Think about it overnight and, if you wake up in the morning, give me call”.
My husband is paying R458 monthly for a R100'000 policy from {insurer name removed}. We have 5 young children. My sister says its hopelessly too little and far too expensive. Are you an independent adviser and could you help me?
Dear Mrs Kleintjies
As registered Financial Advisors (FSP 14180), we certainly can help you. The cover seems very low, but we need more information before we can conduct an Initial Evaluation on your behalf at a flat fee of R240.
inShare