Contact information

021 202 2712
Ground Floor, White Oak Terrace, 2 Edmar Street, Old Oak Office Park, Bellville, Cape Town, 7530


RICHUS specializes in holistic retirement planning (local and offshore), long-term insurance, business group retirement annuities, business insurance (key-man / buy and sell agreements) and cash solutions for business owners & entrepreneurs.

Richus attained his Postgraduate Diploma in Financial Planning from the University of Stellenbosch (Cum Laude) and is a CERTIFIED FINANCIAL PLANNER® professional, a member of the Financial Planning Institute of South Africa.

Richus has a B.Comm Management Accountancy degree from the University of Stellenbosch. He completed his audit articles at Logista Auditors and Accountants (Stellenbosch) and completed his ACCA (Association of Chartered Certified Accountants) qualifying exams in December 2011. He is a fully registered member of ACCA.

Richus has been in the financial services industry since January 2004 and has worked for Investec Trust and Fiduciary services in the Channel Islands (Guernsey and Jersey) and Geneva. In 2008 he moved back to South Africa to join Investec Private Bank in Cape Town. He joined Brenthurst Wealth Management in 2012 as an independent financial advisor and was head of the Brenthurst Tygerwaterfront and Stellenbosch offices until October 2018. He received the Brenthurst Wealth “Award of Excellence” in 2015. Richus recently joined PSG Wealth as a team & business owner, where he is able to fully express his passionate entrepreneurial spirit.

Company info

PSG Wealth is a leading independent financial services group, with an extensive national footprint and both a Namibian and Mauritian presence. In operation since 1998, we offer a value-orientated approach to our clients’ financial needs, from asset and wealth management to insurance.

PSG Wealth offers a comprehensive wealth management service designed to meet your needs as an individual, family or business.Through our online trading and investment platform, you can trade directly in shares and other securities, or invest in unit trusts. We also offer a comprehensive estate planning and fiduciary service, including local and offshore trusts and the administration of deceased estates. For businesses, we offer a full suite of employee benefits and bespoke multi-managed investment solutions.

Richus on Moneyweb

How can I invest offshore and locally in a cost-effective manner?

26 Apr 2022
I would like to consolidate and invest while reducing fees. ...

The 411 on starting your investment property business

1 Apr 2022
Richus Nel of PSG Wealth answers two readers’ questions on their ambitious rental property plans. ...

Rental property vs listed equities: Which could make you rich?

18 Mar 2022
Richus Nel of PSG Wealth talks all things buy-to-let and whether one would be better off creating wealth the traditional way. ...

Kenners beantwoord luisteraarsvrae oor persoonlike geldsake

21 Jan 2022
Richus Nel – Finansiele Adviseur, PSG Wealth & Nerina Visser – direkteur, ETF-strateeg en finansiële adviseur, etfSA. ...

Ons beantwoord luisteraars se geldvrae

8 Oct 2021
Richus Nel – Finansiele Adviseur, PSG Wealth ...

Retirement savings shortfall: Here’s how to recover

8 Oct 2021    2
Richus Nel from PSG Wealth offers some guidance on how to catch up on your retirement savings if you have fallen behind. ...

How can I invest R15m to get a monthly income of R50k?

17 Jun 2021    30
Retirement planning isn't something that can be done once; it's an individual investment discipline that considers the relevant facts on an ongoing basis. ...
BGR 58, GN 18, retirement annuities, Sars

Living annuities: Is a drawdown best taken from a local fund?

10 Nov 2020    2
If the aim is to get maximum global exposure and the drawdown is taken 100% from local funds, how much should be invested in the local fund? ...
retirement, retirement annuity

On retiring, can I pay my provident fund into an existing preservation fund?

9 Jul 2020
Can I later make lump sum withdrawals from the preservation fund, pay withdrawal tax and leave the remainder in the fund? ...

Is it wise to invest all my retirement savings offshore?

21 Apr 2020
Not if you are planning to retire in South Africa. ...

Can value loss in pre-retirement investments normalise after upswings?

23 Sep 2019
The optimal solution is a well-thought-out balancing act. ...

How will I be taxed on unit trust withdrawals?

7 Aug 2019
Local unit trusts generally attract dividend and interest taxes and possibly capital gains tax on withdrawal. ...

Can I transfer my funds out of a loss-making annuity?

26 Apr 2019    13
Changing investment strategies based solely on market performance is not advised, especially in retirement. ...

What’s better: investing in a 30-day notice account or unit trusts?

18 Dec 2018
A combination of income funds run by respected asset managers may be one of the safest forms of investment, other than cash. ...

Should I take my Flexi pension and invest in a business?

7 Jun 2018
Self-employed and old pension won't be able to sustain retirement. ...

Financial affairs: How much should your spouse know?

31 May 2018
Richus Nel shares his views on a financial advisor’s role in estate planning, market volatility and the current economic environment. ...

DIY: Financial ‘self-help’ plans

6 Mar 2018    12
I want to start a share portfolio but don’t want to rush. What do you make of my share picks? ...

Can we use trusts to save for an investment property?

14 Sep 2017
A group is committed to collectively saving R45k per month for a year, to purchase an investment property cash. ...

Post-downgrade strategies for investors

26 Apr 2017    1
Those who are geared towards income can beef up interest-carrying instruments - Richus Nel. ...
how to invest, easy equities, charles savage, investing 101

In unforgiving markets, income is priority

25 Apr 2017    1
If you have the patience, value-focused investments do outperform - Richus Nel. ...

Income-producing assets pave the way to financial independence

9 Apr 2017    4
Start young and involve spouses at an early stage. ...

Think carefully about drawing too much income and for too long

5 Mar 2017    5
It's best to remain on the conservative side. ...

Finding value amidst market noise

30 Nov 2016    2
‘I do pick up optimistic signs about the local economy’ – Richus Nel ...

Richus's views

Express wealth creation: listed equities or financed physical property?

25 Feb 2022
The difference between mortgaged physical property and listed equities is a lot smaller than one anticipates. ...

Can your financial advisor get you to the Olympics?

22 Jul 2021    4
Quality financial advice is like a good coaching relationship, where the advisor assists the client in facing and overcoming their financial challenges. ...

Can ‘South Africa 2021’ still surprise us on the upside?

29 Jan 2021    1
Persistence, positivity, and patience will bring promising results in 2021. ...

Rental income as part of your retirement income

6 Jul 2020
Your retirement income and cash flow cannot rest on a 55% payment rate from tenants. ...

Is Covid-19 giving us a taste of an unplanned retirement?

4 May 2020
Many of us will only experience a wide-ranging adjustment like this again when we retire. ...

Shirtsleeves to shirtsleeves in three generations

17 Feb 2020
Key considerations for those who are interested in building intergenerational wealth. ...

Racing your retirement funds offshore

9 Dec 2019
Investment considerations before externalising your retirement assets. ...

South Africa’s sure signs of progress

12 Nov 2019
President Cyril Ramaphosa has made key board appointments at SOEs, appointed new heads in the justice sector, and secured investment pledges for SA. ...

Put your financial advisor’s number on speed dial

28 Aug 2019
There's much to be learnt from approaching your personal finances like you would a business’s finances. ...

Raise your game

21 Jun 2019
Some coaching considerations to keep in mind that apply to both your sporting hobbies and investment plans. ...

Financial lessons from successful mega farmers

27 May 2019
Many farms in South Africa are a clear example of long-term investment, everyday discipline and multi-generational planning. ...

Count your winters to, not during, retirement

2 May 2019
Are your financial plans on track to set you up for a comfortable retirement? Time and investment returns wait for no one. ...

Structure your direct offshore investment correctly, from the start

4 Apr 2019
Do your own research and approach emigration and externalisation of assets with exceptional levels of critical thinking, not based on emotions. ...

How to retire in South Africa post 2019

11 Mar 2019
South Africans will need to increase their focus on tax-efficient investment. ...

The decision every parent must make, and would rather not

22 Jan 2019
Considerations when appointing guardians for your minor child. ...

How cycling connects to better long-term investing

4 Dec 2018
Biking to retirement: Start with small achievable targets and learn to ride the ‘investment bike’ over many years, long before retirement. ...

It will rain again – don’t try to predict, rather prepare

13 Nov 2018
Important financial lessons learnt from the recent drought. ...

Hybrid living annuities: the Boeing of retirement?

27 Jul 2018
Retiring (like flying) without the necessary research, prior learning and regulatory precautions could result in a crash. ...

Heading towards too much time, with too little money

25 Oct 2017
About 94% of individuals are unable to retire independently and maintain their living standard straight after retirement. ...

What should your financial planner’s true cost be?

14 Aug 2017
Measuring financial advice solely on investment performance sets advisors up for failure. ...

Income producing assets pave the way to financial independence

6 Mar 2017
And help get you permanently out of the 'rat race'. ...

Think carefully about drawing too much income and for too long

8 Feb 2017
It's best to remain on the conservative side. ...

After a difficult investment year, what lies ahead?

19 Jan 2017
In many aspects, 2016 have to be regarded as the worst financial and investment year for many people. Will 2017 be better? ...

Sharp shooting in financial planning

16 Nov 2016
Skills you need to achieve financial independence. ...

A financial planning priority list

16 Sep 2016
And why you need one. ...

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