Seems like a dumb question? But relate the question to financial planning and ask yourself. Do you think financial planning is important? Its dull and boring for most! Yet financial freedom is all about a staircase, small steps, starting sooner than later, then enjoy big results! But never too late to start!

Financial planning is future proofing tomorrow, preparation, planning and execution of personal and financial goals. Where do you wish to live and retire (semi) today or in the future, ensuring the quality of life you desire.

For a plan to succeed, we need to identify our goals and use existing resources in the best possible way to achieve them. Financial planning is no exception to this rule.

Warren Buffett: “Pay yourself first, save, invest”

A financial plan for global citizens
Globalisation presents opportunities and challenges in a fast paced and uncertain world. Where we live today or tomorrow, what career we follow, how we upskill, change careers and countries as the world digitises and technology forces change, the way our parents “did things” is not how we will achieve our goals and wealth creation. The 100-year life is a reality and planning for it imperative!

Financial Temperature check
With families and assets scattered around the globe, a review provides a holistic picture. What is your income, in which currencies, investments at work, retirement goals, tax and estate planning, self, family and business protection, understanding how soon wealth doubles!

“To get rich, you have to be making money while you’re asleep.”

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Golden Visa programs offer a pathway to residency or citizenship through investment, benefiting governments and investors alike. Investors gain access to a suite of advantages including enhanced business opportunities, personal security, tax optimization, and seamless international travel. These programs provide premium healthcare, education, and a buffer against political or economic instability.

Who Benefits from Golden Visas? Investors choose Golden Visas for various reasons: business expansion, family security, or to establish a safeguard—often referred to as ‘Plan B’. These visas allow you to live life on your terms, ensuring your family’s future is protected and prosperous.

Residency by Investment. This option allows you to relocate immediately or in the future, offering the right to live, work, study, and retire with full access to local healthcare in exchange for a financial contribution.

Citizenship by Investment. Gain immediate dual citizenship, providing all the privileges of native citizens, including visa-free travel and extended stay rights, through an investment that supports the host country’s economy.

Our Expertise. Quality Group, in collaboration with top-tier law firms and financial institutions, delivers tailored solutions for residency and citizenship by investment. We support every client through the process, from selecting the best program and investment to completing all necessary applications.

Choosing where to invest today shapes our lives tomorrow. Let’s secure a prosperous future today!

Invest Today, Secure Tomorrow

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Our investment strategy focuses on delivering consistent and predictable income through dividends or interest payments, not tied to volatile markets.

double digit fixed returns

By reinvesting income and dividends, investors can enjoy compounded returns for steady growth, independent of market fluctuations. Your capital is safeguarded by collateral, ensuring security in your investments.

What Sets Alternatives Apart? Traditional investments like stocks, bonds, and cash are familiar paths. However, in the past decade, their unpredictability has led investors towards alternative assets for stability and returns.

Diverse Investment Options. Art, Exotic Cars, Gold Coins, Cryptocurrencies, Rare-Earth Metals like Lithium, Real Estate, Renewable Energy (Photovoltaic & Wind), Artificial Intelligence, Private Equity, Private Lending 

The alternative investment market has achieved a notable milestone, reaching an impressive $22 trillion in global assets under management by early 2024. This accounts for 15% of the world’s total assets under management. Forecasters predict continued robust growth; $23.21 trillion by 2026.

Quality Group Advantage. We specialize in private equity and private lending, offering superior benefits amidst uncertain markets. Choose from investments in £, $, €, or R.

Investment Benefits
○ steady, consistent returns
○ options for income or growth
○ security of capital

Experience returns that:
○ outperform bank deposits
○ beat inflation
○ disconnected from market shifts

With Quality Group, achieve financial independence through smart, secure alternative investments.

 how we invest … is how we live
… futureproof tomorrow

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Why invest in USA Medical property?
The USA medical sector is huge, affluent, and dynamic. The USA is a wealthy nation with more than 98 million citizens earning more than $100 000 pa. The aging population can afford medical care for quality of life.

“Daily 10 000 turn 65!”

The age of the 100-year life is upon us. We will outlive our parents by 10 years and our children will outlive us by 20 years. Medical advances and better Lifestyle choices with access to twenty first century medical services promotes quality of life.

Recession Resilient
The USA healthcare industry has proven to be “recession-resilient”, in the most difficult of times including COVID. This makes it a compelling sector in which to invest.

The Secret is in the Tenant
The business model  … Let’s explain. Patients can be divided into two broad categories. Those that have-to-have medical treatment and those that can delay treatment.

“Have to Medical Services”

For example, annual check-ups with the dentist can be delayed, but cancer needing surgery, radiotherapy or chemotherapy, and other surgeries cannot be delayed. A person involved in an accident, losing a limb, requiring recuperative care, to learn to walk again with an artificial limb cannot be delayed.

Steady Income as Rent is Paid
Doctors and Healthcare workers providing medical services are consulted and are paid by the patient in “good times and in bad times”. If the patient pays, the Doctor can pay rent, hence the term recession resilient.

100-year life – gift or a curse?

Investors earn an above average USD dollar income plus capital growth. So suitable for those seeking steady above average income, long term.

A hard currency passive income and growth is a solution to emerging market economic turbulence, maintaining standards of living, and peace of mind knowing that there is actions that can be taken to ensure long term quality of life.

Retirement is the longest coffee break!

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Hard currency investment property refers to real estate investments made in stable and widely accepted currencies, such as the US dollar, Euro, or British Pound. These investments serve as a financial hedge, protecting against currency devaluation in less stable economic environments. The secure nature of hard currencies makes these investments particularly attractive, providing a safeguard against economic fluctuations.

This offers multiple wealth-building advantages:

Stability and Security. Hard currency adds an extra layer of security by minimizing the risk associated with currency fluctuations. This stability is crucial for long-term investment planning and wealth preservation.

Hedging against Inflation. Real estate is naturally resistant to inflation. When combined with investments in hard currency, it provides a robust shield against the erosive effects of rising prices, maintaining the purchasing power of capital.

Foundation of Wealth. Property is one of the oldest and most reliable asset classes. Historically, it has formed the backbone of family wealth, offering tangible assets that can appreciate over time.

how you invest … is how you live

This investment approach not only secures capital but also builds upon it, using one of the most traditional and solid asset classes to ensure sustained growth and stability in an investor’s portfolio.

Direct and Indirect Ownership. Investors can engage in direct ownership, purchasing physical properties, or opt for indirect methods like real estate investment trusts (REITs) and funds. These options diversify investment strategies and exposure, catering to different levels of capital and risk appetite.

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USD Insurance protection?

Why bother? Protecting self, family and one’s business is the objective of insurance. The same applies to keypersons, and partner buyout in a business caused by the loss of the individual through retirement, illness, or death.

Like we use insurance to fix or replace assets like homes, vehicles, and jewellery, lost, stolen or damaged, so life insurance benefits families (and businesses) in the event of severe or critical illness (Dread disease) disability, and death!

What is Severe Illness Cover? More and more people are suffering severe illnesses like heart attacks, cancers, kidney failure or mastectomies. This need not signal a death sentence. There are countless survivors who were able to beat their illness and go on to live a healthy, fulfilling life.

But to get the BEST medical care, can one afford it? As care is benchmarked in US Dollars. In soft currency countries it is a very real problem. USD cover is global! This road to recovery is not an easy one both emotionally and financially. On diagnosis of a Severe Illness … How will I pay for Medical Recuperation?

It’s a grim picture – and that’s before you even consider the financial implications of being out of work for so long. Severe illness cover pays you a tax-free lump sum on diagnosis if you get sick with one of the many illnesses covered. Medical aid and State care will pay for surgery and related expenses, but not for the financial consequences caused by the severe illness. Unable to earn an income, changes to lifestyle …

“If you’re ill, the last thing you need to worry about is money, … protection can let you focus on the important thing. Getting better!”

Disability? A disability is any condition of the body or mind (impairment) that makes it more difficult for the person with the condition to do certain activities.  This can be temporary or permanent. Money is needed for resources to help the person recuperate or adjust to their impaired lifestyle.

Death? The financial impact caused by death can be enormous. Is there cash for “food and shelter” for paying off debts, a funeral, education of children, changes to lifestyle!

“Two breadwinners becomes one …
One breadwinner becomes none!”

The monthly bills don’t change much. And then there is taxes and fees to wind up an estate. A family might be asset rich but cash poor. Result, assets are sold off at discounted prices to pay debts, executors fees and inheritance taxes.

So, would you agree that life insurance is important? Protecting yourself, your spouse, your children, and business partners from the potentially devastating financial losses that could result if something happened to you. It provides financial security, helps to pay off debts, helps to pay living expenses, lifestyle changes, and helps to pay any medical or final expenses!

The difference between dignity and the consequences of death, severe illness, and disablement, is money in the bank!

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Unlock robust returns in hard currency with a pioneering investment opportunity

○ double digit returns in £ : $ : €
○ capital protection with ATE insurance
○ flexible terms 2 or 3-year options
○ with income or growth options

 a new investment frontier

It’s a game changer. This fixed income alternative investment is giving investors robust returns in hard currency. Capital invested is protected with ATE (After The Event) Insurance. 

Legal Justice. People in the UK who do not have the money to sue in personal injury and civil cases would approach a lawyer. After checking the merits of the case, the lawyer agrees to take on the case at no cost to the claimant and would share in the damages awarded on winning the case. If the case is lost, ATE ensures capital is secure.

Litigation lenders fund the cashflow of the lawyer, provide loans on which the lawyer pays interest. Litigation lenders use investor capital to fund the lawyers.

Innovative Investment. Utilising cutting-edge technology, data analytics, and AI, we evaluate potential cases, enhancing success rates and safeguarding investments. Our strategic approach allows litigation lenders to fund legal professionals efficiently, turning investor capital into profitable returns.

earn double digit returns in £ : $ : €

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Are you ready? You need to be prepared for life after paid work. It is a gift if you are prepared or can be a curse! Stepping towards retirement, having the choice to work or not, embracing the planning process helps you prepare for that stage in your life.

Financial Freedom. Simply it is about achieving financial freedom, in other words, being able to live the life you want when your regular income from work stops.

Retirement roadmap. Of course, each person is unique, and there is no single route to financial freedom. But there are foundational basics.

On average …
Beat inflation
Beat bank rates
Minimise volatility
Avoid roller coaster returns

Tax efficiency and Estate planning. Minimising tax on income makes a dramatic difference on standard of living. A 20% tax saving is a 20% increase in quality of life! For dependants and heirs, reducing inheritance taxes increases generational wealth and standard of living.

Stress Free. Retirement planning is about personal and financial freedom. The ability to live stress free with no worries about personal safety, politics, healthcare, passive income needs, and inflation with quality of life, ensuring purchasing power as measured against hard currencies is in place.

Why do I need to plan for the 100-year life? We cannot predict the future, but we can prepare for it. A healthier stress-free future and standard of living is your gift if you are prepared.

“Retirement is the world’s longest coffee break … let’s make sure we can afford the coffee!”

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Grow Wealth in the 4 Megatrends?

Where to invest? In this changing world, with uncertainty and disruption dominating the headlines, how we create wealth is transforming traditional investment methods. Equity investment over time will outperform, but which equities and in what countries one invests is evolving and changing.

Investment timeline Long term investment is about sustainability! Trying to time the market or stock picking the winners is a difficult task that history and statistics prove over and over most fail at and results in underperformance. Traditionally, wealth managers would focus on diversification across, countries, industries and companies and assign a risk profile, conservative (cautious) balanced, and growth (aggressive) Wealth management is evolving!

Long term trends Emerging trends are transforming investment markets globally. Four megatrends in particular have been globally recognised as macroeconomic forces that will fundamentally shape the world going forward, being big challenges and big opportunities.

Why invest in the 4 Megatrends?
Future Tech Digitisation and increased connectivity and data are enabling artificial intelligence or AI insights that transform how we operate. With the younger generation’s increasing comfort in using technology, new business models and opportunities are emerging. Pre covid “zoom or teams” video meetings were unheard of! Today, the hybrid work model has become a permanent way of working.

Healthcare Genomics and precision medicine are set to revolutionise healthcare.

With continued tech innovation, in gene mapping and sequencing, paired with the decreasing cost of doing so, personalised treatments with improved outcomes are becoming the way forward. The 100-year life is upon us, and we will outlive our parents by 10 years and our children will outlive us by 20 years.

Future Consumers Millennials have become the world’s most powerful consumer force. With 2.3 billion people, the Millennials are the largest consumer cohort. As they enter their prime earning years and increase their spending, they will drive a new age of consumption. What they spend their money on is where we invest.

“Going green” ESG investing The urgent threats of climate change and damage to the environment leave global economies no choice but to turn to green alternatives for energy, food, and transport.

Research and back testing illustrate that investing in the exponentially increasing megatrends would have outperformed by 182% over 5 years

Wealth Manager Goldman Sachs The Global Megatrends Fund comprises of assets that span across the globe, providing investors with geographic diversification and exposure to some of the largest economies in the world and is managed by Goldman Sachs with assets under management of $ 1,9 Trillion (12-2020)

Who should invest? Be invested in the megatrends of the future
►Low correlation between trends offers lower risk
►Combining megatrends offers outperformance

►Goldman Sachs manages the fund
►Cost average with USD or ZAR to maximise return

►Suitable for investment terms of 5 years plus
►Returns in US Dollars

►Invest with USD or ZAR
►Lump sums or monthly

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Building Wealth in Hard Currency?

Accelerating financial freedom Building wealth in hard currency, diversification of assets, minimising investment costs and minimising tax is the objective for accelerating financial freedom goals!

Staying in cash, even in hard currency, is risky and will only make one poorer as inflation eats your purchasing power. But chasing return is also not the way. What counts is the average net return over the investor’s available timeline.

Investment portfolio design Every investor, has unique goals, has a different risk profile, has a different timeline for investment, has different wealth and cashflow available Portfolios are designed with this in mind.

What can I invest in? Offshore? Choices are many, funds, ETFs & index funds, sustainable ESG and Shariah investments, crypto currency funds, fixed income 100% secured by property, in the UK and USA. Currencies £ : $ : €. From cautious to high growth! With solutions focused on maximising income, tax efficiently, or growing capital.

Diversification Funds vs ETFs vs Shares Wealth available for investment also determines diversification, which tends to lower risk. One million dollars seems much, but in markets worth hundreds of billions, then USD 1 million invested across 6 shares versus
investing in six funds each worth USD 10 Billion, the diversification benefits are many and reduces investment risk but not necessarily return.

Types of funds and ETFs (Indexes) are many Money market, Property, Bonds, Fixed Income, Equity, Commodities, Crypto, Thematic, Sustainable ESG and Sharia investments, with varying risk profiles from conservative to high growth.

Provider Partners We only partner with providers with track records, and who are regulated to minimise investor risks. We are conscious that service is crucial today and into the future.

Simply, we are allergic to poor performance and poor service

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