Your financial
footprint, traced.
Search summary
We searched your ID number across 22 registered South African product providers via Astute Online. Below is a snapshot of where we found results linked to your identity.
Active policies
Lapsed & attention items
These policies appeared in the search but are no longer active. Some may still hold residual value. Some may be eligible for reinstatement. Worth investigating either way.
Quick actions
Six checks every South African should do at least once a year. None of these are urgent. All of them save money, prevent admin chaos, or protect the people you love.
When did you last update yours? Marriage, kids, a property purchase, or a business change all warrant a fresh draft. We work with attorneys who can refresh or draft from scratch.
We can helpMarried, divorced, new children? Make sure every policy still names the right people. Outdated nominations are one of the most common (and avoidable) estate planning failures.
We can helpPre-2010 endowments and RAs often carry higher fees and outdated fund choices. The Stratus on this report is a good example. A side-by-side comparison usually surfaces meaningful savings.
We can helpAnnual TER, admin fees, advice fees, and platform charges quietly compound. We will pull the actual cost on every product you hold and show you the running total over ten years.
We can helpSalary changes, marriage, kids, mortgage, business growth — your cover should change with you. Cover bought in 2018 is unlikely to match a 2026 life.
We can helpNo active retirement annuity was found in this trace. Even a small monthly contribution into a low-cost RA builds tax-deductible savings and compounds quietly in the background.
We can helpMonthly premium summary
Automated flags
Our system has identified the following items worth a closer look. These are automated observations, not financial advice. A Certified Financial Planner can put each one in the context of your full picture.
Old generation Sanlam Stratus investment, started 2003
Pre-2010 endowment products often carry higher admin fees, restricted fund choice, and tax structures that no longer reflect best practice. With R385,420 invested and R1,200/mo flowing in, the difference between staying put and switching to a modern, transparent platform can compound into tens of thousands over the next decade.
Talk to a CFPNo active retirement savings detected
We did not find a retirement annuity, pension fund, or provident fund in your name across 22 providers. At age 41, retirement savings should typically be well under way. The Stratus endowment is not a retirement product. Worth a conversation about starting an RA to capture the tax deduction (up to 27.5% of taxable income).
Talk to a CFPLapsed Momentum Myriad — R1,250/mo, details unavailable
A Momentum Myriad policy that was costing R1,250 per month has lapsed. The provider has not released the product type or any residual value. This is a meaningful premium. Worth finding out what it covered, why it lapsed, and whether any value or reinstatement remains on the table.
Talk to a CFPIncome protection cover overlap
You have monthly income benefits across two providers: Sanlam Glacier Income Protector pays R45,000/mo and Bidvest FMI Extended pays R55,000/mo. Layered cover is sometimes deliberate, but it is worth checking whether both benefits would actually pay simultaneously, or whether one offsets the other.
Talk to a CFPBeneficiary nominations not visible across all policies
A beneficiary is recorded on the Old Mutual Severe Illness policy but not on every other policy in the search. Beneficiary nominations should be confirmed on each policy and reviewed annually, especially after major life events (marriage, divorce, new children, business changes).
Talk to a CFPActive cover was sized in 2018
The earliest active risk policy started in March 2018. Cover amounts that made sense eight years ago may not match a 2026 life. Income, debt, dependants, and lifestyle costs all shift over time. A quick recalibration is usually a 20-minute exercise.
Talk to a CFPGlossary
Your Enhanced Report
A qualified Certified Financial Planner reads your full Discover report, writes up findings in plain language, and ranks every red flag by urgency. You get a personal action list, not generic advice.
Traced. is a brand of Beyers Kotze & Associates (Pty) Ltd · t/a BKA Wealth · FSP 44765