Nicholas Atkins - Financial Advisor

25/05/2026

What's your future Salary??
The truth is that 94% of South Africans cannot Retire.
The longer you wait to start a Retirement Annuity, the more expensive it becomes!
Use my free retirement calculator tool: https://nicthefa.co.za/can-you-retire/
What amount will you need at 65 to pay yourself a salary that will keep you going for the rest of your life? To survive inflation, a shrinking economy, increasing youth unemployment, increasing medical aid costs, estate fees after life? What wealth bonuses can we take advantage of, what tax advantages can we use? Should we buy property? - How can we do that without going into debt?

R500.00 deposited once on your 25th bday vs R500.00 deposited on your 30th Bday, where both get just 10% growth annualised until you are 65 THEN the difference is over 61% more at age 65 if you deposited once at age 25.

An R.A. is also a tax reducing tool - you get a tax rebate from your own R.A. and it's better to use that as a method to create an investment eco-system that keeps looping back to give you tax breaks and grow your wealth tax free until retirement.

Let's set up your tax efficient future on your own terms.

23/05/2026

Sometimes we get the privilege of going to amazing South African institutions to try save south Africans from inheritance tax and estate fees that rob their families of their hard earned money and assets, and we end up at places like school which has such an amazing waaib!

Having been there before, their sports program for the little ones all the way to the grade 7 market days, they seem to have their students well rounded by the time they graduate to high school.

Of course, we were there to try and help the parents of the next generation understand that there are alternatives to bank WILLS and that the fees at death for anyone are not automatically paid for, in fact they may come back in 5 years for a life cover paid for your children's education if the estate is not wound up!

Another avenue I use for my clients, is to create an R.A. for their children (retirement annuity). If you start at age 7, and pay until the children reach 18, they then will be able to grow that money until 55 years tax-free. If they want a deposit on a car or house, they can just use the 2 pot system yo withdraw. And if you use Sanlam, I can set up a wealth bonus that will double the fund by the time they are 65years. Smart money makes smart moves.

21/05/2026

You can also follow on Instagram to see more.

21/05/2026

What if I told you, a property portfolio is still a possibility in South Africa?
Even at an advanced age? I have a ladder property system that I use for clients looking to expand create generational wealth.

Set up a 5 year plan, or even a plan at retirement, jump onto properties that are managed externally, forget doing a bond because you will have bought the asset outright, use that property to create more wealth, buy the next property amd so on it goes.

Check the video below that followed a convo I had with a mate at a braai, news story here:
https://businesstech.co.za/news/property/859957/new-laws-about-property-rights-officially-gazetted-in-south-africa/
See what investment suits you best: https://nicthefa.co.za/wealth-creation/

21/05/2026

Howzit Future Millionaires
I developed a basic investment calculator that calculates your tax burden on average growth in moderate risk funds. It includes a free tax calculator (a guide) and then uses that info to calculate your possible tax burden on your open investments like CAPITAL GAINS TAX and basic DIVIDEND WITHOLDING TAX based on the national average.

Check it out here:

Use this free investment calculator to calculate your how much your FNB/ EASYEQUITIES/ SATRIX/ ETC. open investments will cost you in tax at withdrawal. The tax calculation on Dividend Withholding Tax is based off of South African averages. Your specific finances may differ. Book a CallBack to find....

12/05/2026

What if...
You had the wrong liability covered for your business?
You were under insured for bigger projects?
You are with an insurance that costs less but doesn't pay out?

we encounter this all the time! Do yourself a favour, get a human being to walk through your current coverage with you so you can get the right information from someone that has been in this industry for over a decade.

My business insurance team has got you covered: Fleet cover, Events of Nature, Medical liability, 3rd party liability, group cover, fire damage and theft.

Get in contact:
0615477237
[email protected]
https://nicthefa.co.za/budget-insurance/

11/05/2026

Q1 2026: What drove the volatility and where the opportunities are
https://www.moneyweb.co.za/financial-advisor-views/q1-2026-what-drove-the-volatility-and-where-the-opportunities-are/
Summary for you:
Q1 2026 was pure drama — the Strait of Hormuz got blocked, causing the biggest oil supply shock on record. Oil blasted past $100/barrel, inflation fears returned, bond yields spiked, and global markets got a proper hiding.

MSCI World: -3.88%
Bloomberg Commodity Index: +24.4% (thank you, oil & gas)
Gold & silver? They actually fell despite the chaos (because markets love to troll us)

While equities wobbled, we are reminded: earnings are still growing and the global economy remains healthy. Valuations have become attractive — especially in the US (growth stocks at a 21% discount to fair value which means more bang for our South African buck).

Moral of the story: Geopolitical noise is loud, but patient investors who stay disciplined get the last laugh. Volatility creates opportunity - buy now when the prices are low, and you'll benefit in the coming years.

11/05/2026

If you were to get TB... Do you:
a) Go to your best friends house and cough on them
b) Go to Dis-Chem to get some vick's vaporub
or
c) Go to a doctor and get treatment to end the TB.

I'll assume if you aren't particularly special as a friend or Dis-Chem's online market creator, that you would see a doctor. Because a doctor would have the cure - not just any doctor, mind you, a good doctor with a finger on the pulse of the medical world.

So if you are financially sick... suffering from a lack of retirementitis (The 'itis' suffix in the medical field means inflammation/increase of something from greek root words) then who do you go to? Do you just do your own thing, go get vicks vaporub for your money? What secret do you have, that highly qualified and plugged in engineers and accountants don't have?

Some wealth advisors are not very good, and don't understand anything more than what their company tells them to know. But as an Independent advisor, I can hear my patients needs, explain to them what is wrong and explain how we can invest in DFM funds exclusive to different investment companies based on their needs.

Without a plan to retire properly, you may end up selling everything and sacrificing your children's future to keep yourself afloat. Income is just a tool to build wealth, use it effectively during your work-life and you'll be free to do what you want from your own savings.

Can You Retire?
https://nicthefa.co.za/can-you-retire/

10/05/2026

The tale of 2 engineers:
Tim puts R500.00 into a balanced investment every month from age 20 years and stops at age 30.
At age 65 (without increasing the payments) Tim has: R3 342 931.85

Tomm starts his R.A. at age 30 with R1000.00 and stops payments at age 40.
at 65 (without increasing payments) Tomm has: R2 469 804.66

So what did you learn class? The sooner you start your Investment journey, the more money you will have later.

Imagine this system, if you set up an R.A. for your children! Start off with R500 per month upwards and set them up for a good start in life in this turbulent modern South Africa. R1200 per month for a 5 year old ends up at R1 592 200.08 at age 30 in an averaged 10% return balanced fund. and with a 2 pot system in place in South Africa, the amount that can be withdrawn for a car, school, new business idea, investment opportunity, or even immigration overseas is R530k.

CONTACT NICTHEFA 0615477237
https://nicthefa.co.za/can-you-retire/

28/01/2026

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Book a call with Financial and Wealth advisor Nicholas Atkins: SANLAM/LIBERTY/MOMEMTUM and MORE