Contact information

Contact Number: 010 035 1390 / 083 534 5196
Address: Durban Office:
Office 249 Umhlanga Business Centre
2 Ncondo Place, Ridgeside, Umhlanga Ridge, 4319
Tel: 031 830 5374

Johannesburg Office:
The Business Exchange
Block 4, 150 Rivonia Road, Sandton, 2057


Mduduzi Luthuli is the co-founder and an Executive Director of Luthuli Capital and heads up our Wealth Management and Corporate Division. He has been in the private client financial services industry for 7 years with experience in investment portfolio management, risk management and business assurance.

He started his financial career in 2009 with Nedbank Limited as a banker to high net- worth individuals. He later moved on to Liberty Corporate where he administered their Pension and Provident funds with a focus on Investment Portfolio Management.

His financial advisory career commenced in 2013 with Liberty Life, a career that has since seen him being promoted to Head of Wealth Management in 2015 at one of the top black-owned brokerages in Sandton, South Africa. He is responsible for managing the wealth management sales team, developing and tracking compliance processes & tools and increasing our retail and corporate assets under management whilst overseeing the broad business strategy, business development and value proposition of Luthuli Capital. He is also the Key Individual for the group, and the current Chair of the Management Committee.

Company Info

LUTHULI CAPITAL was founded and structured in 2016 as a Pan-African multi-specialist proprietary limited company that offers a global approach to your wealth-management portfolio. We are an independent advice-based practice, which means we are not tied to a specific product supplier. We pride ourselves in our traditionalist and unwavering approach to wealth management centered on our focus on diligent industry research, innovation, accountability and excellence. Our aim is to be regarded as a trusted leader in wealth creation and protection.

To provide conflict-free, client-centric, independent advice that enhances your global tailored wealth management portfolio, aimed at extracting and creating value.



Will a donation to my spouse trigger capital gains tax?

12 September 2017    47
I'm married out of community of property and would like to donate unit trusts to my spouse. ...

Will GEPF account for my Transkei government pension fund savings?

31 August 2017    4    19
How will the GEPF calculate my pension when I retire? ...

Life insurance: the why and how

26 June 2017    2    66
What factors do you need to consider? ...

Do I invest my money or store it under the mattress?

15 June 2017    10    56
The R400 000 I invested is now worth R383 000 a year later. We are 50 years old, and don’t have a lot of time left to contribute towards our pension…. ...

What happens if my annuity was miscalculated?

11 May 2017    23
What do you do if after a year of retirement, you are notified that the annuity was miscalculated, overpaid and they want money back? ...

Can I transfer my maturity funds into an RA?

5 April 2017    31
Reader's question answered. ...

Can I cash out my pension to invest?

13 March 2017    16    64
Reader's question answered. ...

Budget 2017: Impact on investments

23 February 2017    3
Lack of detail from budget on Twin Peaks and retirement reform - Mduduzi Luthuli, Luthuli Capital. ...

Fixed deposits versus unit trusts

20 January 2017    5    165
Reader's question answered: The search for a reasonable rate of return. ...

It’s about how you position yourself

1 December 2016    1    6
What are the unique offerings of this new wealth management business: Mduduzi Luthuli – head of wealth management, Luthuli Capital. ...

Accessing pension lump sums on early retirement: rules and tips

7 November 2016    12    30
I want to make a query regarding to lump sum withdrawals. In 2014, at 54, my dad resigned from his job at Eskom after 39 years and ten months service, as he was drowning in debt. His pension fund was ...

How to manage multiple RAs

24 October 2016    4    33
Factors to consider when saving with GEPF. Reader's question answered. ...

How to best invest for a child’s education

13 October 2016    6    12
Reader's question answered. ...

Tax benefits of contributing towards an RA

10 October 2016    2    32
Reader's question answered. ...

How best to save for an unborn child’s education

27 September 2016    10    47
Reader’s question answered. ...

Mduduzi's VIEWS  

Over 40 and nothing saved for your retirement?

16 October 2017    19
Here's what to do... ...

Financial planning for the self-employed

20 September 2017    37
The advice I gave to myself ... ...

Raising a CFO: Tips for teaching kids personal finance skills

16 August 2017    121
The one lesson your kids won’t get in the classroom is arguably one of the most important for their future success. ...

Hedging risk in a bipolar market

3 August 2017    27
How to hedge your portfolio and why. ...

A strategy for doubling your investment yield

17 July 2017    32
Used by many, with varying success, to navigate the path of 'doubling my money'. ...

Should I rather pay off my bond than into my RA?

3 July 2017    53
Managing expectations in a low-return market, the effect of fees on investments, and tax benefits of RAs for high-income earners? ...

Life insurance: the why and how

26 June 2017    10
What factors do you need to consider? ...

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