Investment advice & portfolio implementation
Investment Advice & Portfolio Implementation.
Investment advice delivered through a Category I FSP, with discretionary portfolio management provided by appropriately authorised Category II partners where applicable. Dynamic Consult retains the advice, suitability and ongoing relationship; portfolio management responsibility, where used, sits with the appointed Category II partner.
In plain language
What this means for you.
We help you understand the appropriate investment arrangement for your goals, time horizon and comfort with movement — and then assist you in implementing it through authorised product providers, platforms and investment partners.
Where ongoing discretionary portfolio management is appropriate, that function is carried out by an authorised Category II discretionary investment manager, operating under its own mandate, governance and rebalancing framework. Our role is the advice, the suitability work, the ongoing review and the long-term relationship.
The result is a steady, structured arrangement — clearly disclosed, properly separated and built around continuous review rather than reactive decisions.
Investment philosophy
Structure compounds. Discipline outperforms reaction.
Our advice rests on three convictions: long-horizon outcomes are driven primarily by strategic asset allocation; disciplined ongoing review outperforms market timing; and arrangements should be designed once and reviewed continuously — never assembled at the point of sale and left to drift.
The advisor's role is to design the right strategy for the client. Where a discretionary investment manager is appointed, that manager's role is to implement and oversee the mandate consistently. The product provider or platform's role is to execute and administer. Each layer is separate, accountable and clearly disclosed.
How the investment relationship is structured
Three distinct roles. One co-ordinated outcome.
Modern advice, discretionary management and product administration sit with different parties. Each function is held by an appropriately authorised specialist, with clear accountability between them.
01
The advisor
Dynamic Consult — Cat I FSP 54508
Provides advice, suitability work, strategy and the long-term client relationship. Dynamic Consult assists the client in understanding and implementing the appropriate investment arrangement through authorised providers and partners. Independent, fiduciary-minded and free of product bias.
02
The discretionary investment manager
Authorised Category II FSP
Where discretionary portfolio management forms part of the arrangement, it is provided by an appropriately authorised Category II financial services provider — operating under its own investment committee governance, documented rebalancing protocols and minuted decision-making.
03
The product provider / platform / asset manager
Institutional houses
Underlying products, platforms and funds are provided and managed by established South African asset managers and product providers — including Ninety One, Old Mutual, Sanlam, Discovery, Momentum, Liberty, BrightRock and Capital Legacy — each responsible for its own product, platform and fund-management functions.
What we do for you
Independent advice, careful implementation, ongoing review.
Strategic asset allocation guidance
Advice on long-horizon allocation across local equity, offshore equity, fixed income, listed property and alternatives — framed against your return objectives, risk profile, tax structure and time horizon.
Portfolio selection & implementation
We help you select and implement an appropriate investment arrangement through authorised product providers, platforms and — where applicable — an authorised Category II discretionary investment partner.
Risk-profiled portfolio options
Access to a defined range of risk-profiled portfolio options — conservative, balanced, growth, offshore and retirement-income — each with a documented strategy, benchmark and manager blend administered by the relevant provider.
Suitability & advice governance
Structured Record of Advice, alternatives considered, replacement rationale, affordability and ongoing suitability — documented on every file.
Ongoing review
Scheduled reviews of the appropriateness of the arrangement against your circumstances and goals — and a familiar voice when the moments that don't fit a calendar arrive.
Authorised investment partners
Working relationships across leading South African and global asset managers, platforms and an appropriately authorised Category II discretionary investment manager.
Why this structure matters
Portfolio advice and ongoing review, supported by authorised investment partners.
Long-term capital deserves long-term thinking. A steady, considered, properly governed arrangement consistently outperforms reactive investing across a lifetime.
Decisions made calmly
The strategy is set in advance, so emotion doesn't have to make the call in a difficult moment.
Continuous review
Your arrangement is reviewed on a defined cadence — not left until next year.
Free of product bias
No in-house product to sell and no tied agency. Recommendations stand on merit alone.
A traceable record
Every meaningful advice decision is recorded — so you can always see why, when and on what basis.
Risk-profiled portfolio options
Across local, offshore and specialist strategies — administered by authorised providers.
Conservative
Capital-preservation tilt, lower equity, structured income — appropriate for shorter horizons and drawdown phases.
Balanced
Diversified multi-asset strategy balancing growth and stability — appropriate for most long-horizon arrangements.
Growth
Higher equity weighting for long-horizon capital growth — designed for accumulation phases with meaningful time in market.
Offshore
Hard-currency global strategies diversified across developed and emerging markets through institutional global managers.
Specialist & thematic
Specialist strategies where the approach and client profile justify them — sized within the broader arrangement.
Retirement income
Drawdown-aware structuring across living annuities and discretionary capital — managing sequence, longevity and tax.
Authorised investment partners
Working relationships across South Africa's leading product and platform houses.
No tied agency, no in-house product, no commercial bias. Each provider and partner is responsible for its own product, platform, fund or mandate functions.
Regulatory architecture
A Category I FSP, with discretionary management — where used — provided by an authorised Category II partner.
Dynamic Consult JV (Pty) Ltd is a licensed Category I Financial Services Provider, FSP 54508. Dynamic Consult provides financial advice, suitability assessment, client relationship management and intermediary services.
Where discretionary portfolio management, model portfolio management or mandate-based portfolio management is used, that service is provided by an appropriately authorised Category II discretionary investment manager or other authorised investment partner. Dynamic Consult does not exercise discretionary investment authority unless specifically authorised to do so.
Dynamic Consult may consider applying for additional licence categories in future if commercially appropriate and subject to FSCA approval. Until such approval is granted, Dynamic Consult remains a Category I FSP.
John Vermaak may participate in investment governance or supervision arrangements only within the scope permitted by the relevant authorised FSP, applicable mandates and regulatory approvals.
A note on disclosure
This page describes our approach to investment advice in general terms. It is not financial advice or a solicitation. Specific recommendations are always preceded by a documented needs analysis, suitability assessment and disclosure relevant to your circumstances.
Licence status & scope of authorisation
Dynamic Consult JV (Pty) Ltd is an authorised Category I Financial Services Provider, FSP 54508. Dynamic Consult provides financial advice and intermediary services. Dynamic Consult does not provide discretionary financial services unless specifically authorised to do so. Where discretionary portfolio management, model portfolio management or mandate-based portfolio management is used, this is provided by an appropriately authorised Category II financial services provider, discretionary investment manager, product provider or platform. Product recommendations remain subject to client-specific advice, suitability assessment, risk disclosure, fee disclosure and client acceptance.
Role separation
Dynamic Consult is responsible for financial advice and intermediary services within its licence category. Product providers, platforms, asset managers and discretionary investment managers remain responsible for their respective product, platform, investment management or mandate functions.
Investment risk
Market-linked investments may rise or fall in value. Past performance is not a guarantee of future performance. Income from investments may not be guaranteed unless expressly stated by the product provider.
Disclosures & complaints
Clients may request the FSP disclosure, complaints process, conflict of interest policy and privacy notice at any time. Unresolved complaints may be escalated to the FAIS Ombud.
A private conversation
Begin a quiet conversation.
A confidential discussion about where you are, the decisions ahead and whether our approach is the right fit for you and your family. Unhurried, considered and without obligation.