Elke Brink

Elke Brink

PSG Wealth


Elke is a CFP® professional. Certified Financial Planner® certification is the only globally recognized mark of professionalism for financial planning.


Elke has contributed over 50+ articles to Moneyweb.



Contact information

Office 1: 119 Sovereign Drive, Pretoria.
Office 2: 24 Techno Road, Unit 2, Technopark, Stellenbosch, 7600


Elke Brink was one of the youngest people in the FPI’s history to obtain her CFP in 2016. She has now been working in the industry for 8 years specializing as a wealth adviser.

Company info

Elke Brink was one of the youngest people in the FPI’s history to obtain her CFP in 2016. She has now been working in the industry for eight years, specialising as a wealth advisor.

PSG Wealth R21 specialises in wealth management and employee benefits. PSG Wealth R21 is based in Pretoria as well as Stellenbosch. Brink forms part of a team of 10 directors within R21.

Having been raised in the industry with both her parents and her brother also working in the company, she feels very passionate about it!

Elke on Moneyweb

behavioural bias, investor behaviour, investing, Elke Brink, PSG Wealth, Money Rules

Investing: Are you your own worst enemy?

15 Sep 2023
Elke Brink of PSG Wealth looks at how our biases and emotions can erode our returns, the mistakes we make when it comes to offshore investing, reveals a surprisingly good time to buy, and offers an al ...
Minimalist investing, overdiversification, Money Rules, Elke Brink

Minimalist investing: Can you trim your portfolio and still make money?

18 Aug 2023
Investing can seem like a maze of jargon and choices, but this approach is simple. Elke Brink of PSG Wealth discusses the workings of this strategy and how to implement it successfully. ...
pension savings, pension schemes, Angola, Mozambique, Zambia, Nigeria, Owen Nyang'oro

Can I withdraw again if I’ve previously withdrawn all my pension?

13 Jun 2023
Two advisors answer this reader's question. ...
reader queston, retirement planning, retirement annuity, Retail distribution review, RDR, Financial Sector Conduct Authority, Twin Peaks, Prudential Authority, FSB

Will I be part of the two-pot retirement system?

7 Jun 2023
The new system will not impact the funds allocated to your preservation fund before the implementation date of 1 March 2024.. ...
tax exemption, tax on savings, fixed deposit savings account,

Can l offset interest from investments as income to keep me under the tax threshold?

1 Jun 2023
Depending on the fund value of the investment, it may be possible to manage your annual taxation either within your exemptions or close to it. ...
ESG, Investors, esg funds, esg, responsible investing, green investing, environmental social and corporate governance principles

Podcast: How to make money with a clear conscience

28 Apr 2023
Elke Brink of PSG Wealth discusses socially conscious investments and looks at whether they perform as well as traditional investments, if investors pay higher fees on them, and how to structure this ...
Elke Brink, PSG Wealth, women and money, women and financial planning, investing tips, investing advice, Money Rules podcast

Investing tips: Ladies this one is for you

17 Mar 2023
Elke Brink of PSG Wealth discusses the investment challenges women face, common mistakes to avoid, how they can play to their strengths, and shares advice on how to improve returns. ...
Elke Brink, preservation fund vs a retirement annuity, GEPF, retirement savings, retirement investments, RA, government pension

Should I move my provident fund to the GEPF, an RA or preservation fund?

14 Mar 2023    1
From an annual tax benefit and compound interest perspective, the RA may be best. For accessibility, the preservation fund. ...
Elke Brink, Michael Haldane, property, investment portfolios, renting vs buying property, moderate-risk portfolio, cash investment

Where should I invest my retirement fund savings?

7 Mar 2023
The funds can be reinvested in a liquid investment, with the income required determining the strategy to be followed. ...
Trusts, Trustees, Financial Action Task Force, Grey list, General Law Act, SARS,

How to optimise your employee benefits in 2023

3 Feb 2023
Elke Brink of PSG Wealth discusses some of the benefits that may be part of your package, whether you can change the funds you are invested in, how to avoid duplication in your personal capacity, and ...
Estate planning, tax, marital contracts, liquidations, decline, Stats SA

Can I draw additional funds from my provident fund to settle my bond?

2 Feb 2023
If you have already taken a one-third lump sum you will only be able to increase your monthly income amount – but in most scenarios I wouldn't recommend delving into your investment portfolio to set ...
Anet Ahern, PSG Asset Management, 60:40 portfolio, equity:bonds portfolio, asset management industry, Bond Performance,

What is the best income I can receive by investing R4.3m?

19 Jan 2023    3
While still seeing some capital appreciation as I grow my business over the next couple of years. ...
Elke Brink, Michael Haldane, property, investment portfolios, renting vs buying property, moderate-risk portfolio, cash investment

Should I switch from a moderate-risk portfolio to a cash-related investment?

27 Oct 2022
Two advisors answer this reader's question. ...

Can I withdraw my pension in full when moving overseas?

11 Oct 2022
On resignation, you are allowed a full refund of your retirement fund contributions with or without interest, depending on the rules of the fund. ...
income tax liability, cgt, capital gains tax, discretionary funds, income tax, withdrawal rate, inheritance, financial planning, investing an inheritance, inflation,

How can I invest R5m to generate R20k monthly income for 22 years?

27 Sep 2022    7
A discretionary investment including cash, bonds and growth assets may be the best option. ...
retirement investments, Regulation 28, pension funds, offshore investing, investing retirement funds, retirement savings, investment tax

Expats: Keep retirement savings in SA or move them offshore?

9 Sep 2022
PSG Wealth's Elke Brink looks at what to consider when weighing up the two options, how best to move funds offshore and the tax implications of doing so, and how to access SA-earned income abroad. ...
Elke Brink, investing, investment insights, investing in uncertainty,

In uncertain times, which investments are considered safe?

6 Sep 2022    1
One asset class is not an alternative for another. A well-diversified portfolio including all the different asset classes is key. ...

Paying off your bond vs investing: What to consider

12 Aug 2022    4
PSG Wealth's Elke Brink on pros and cons of piling more money into your home loan, how the scenario changes with an access bond or rental property, and investments to consider if you don't go this rou ...
retirement funds, retirement savings, retirement withdrawals

I’ve retired, why can’t I make another one-third retirement fund withdrawal?

28 Jul 2022
Fund rules limit members to a single one-third withdrawal. ...
Elke Brink, Michael Haldane, property, investment portfolios, renting vs buying property, moderate-risk portfolio, cash investment

Should I put R100k in my mortgage or leave it for my retirement?

31 May 2022    3
You need to consider the interest rate environment compared with the return you can expect from your investment portfolio. ...

How can I invest R500k to get a monthly income of R5k?

26 May 2022
A well-diversified portfolio consisting of cash and bonds for income, and property and equities for growth would be an option. ...
Michael Haldane , capital gains tax, CGT, investment tax,

Should you invest a lump sum all at once or gradually?

6 May 2022
Elke Brink of PSG Wealth discusses the merits of both strategies, and whether a combination of the two will yield better returns. ...
Anet Ahern, PSG Asset Management, 60:40 portfolio, equity:bonds portfolio, asset management industry, Bond Performance,

I have offshore funds in a foreign bank. How can I invest these offshore?

31 Mar 2022
Three advisors answer this reader's question. ...
retirement, retirement annuity

Can I invest in another RA at 60?

23 Mar 2022
Two advisors answer this reader's question. ...
retirement, retirement savings, Retirement fund, Simon Brown, MoneywebNow, Palesa Dube, Wealth Creed

I’m able to save R100k a month. What should I invest in?

20 Jan 2022
A tax-free investment and a voluntary or flexible investment are worth considering. ...
investment portfolio, US fiscal policymaking, high interest rates, financial planning,

Should I sell shares I’ve inherited and invest the funds in a worldwide index tracker fund?

18 Jan 2022    2
First, do an analysis on these equities as some of them may be good investments you may want to keep in place. ...
Elke Brink, preservation fund vs a retirement annuity, GEPF, retirement savings, retirement investments, RA, government pension

Should I invest R500k in a living annuity to supplement my monthly pension?

24 Nov 2021    1
And which Shariah-compliant fund is safest and has the highest growth? ...

Should I put R1m in an income fund?

9 Nov 2021    1
And what would the downside of withdrawing within a year be? ...
income funds

How can I invest R2.5m in such a way that it’s all gone when I die?

23 Sep 2021    9
And how much can I draw down from this investment? ...
reader question, investing, debt, reader question, property, investments, decision

How much do I need to invest to receive a monthly income of R10k over 10 years?

21 Sep 2021    24
After 10 years, the initial amount should still be available. ...
whisky, alternative investments, Money Savvy podcast, investing in whisky casks, michael haldane

Exploring whisky, music rights and cannabis as alternative investments

20 Aug 2021    2
Elke Brink, wealth advisor at PSG Wealth, discusses unconventional asset classes that could possibly form part of your portfolio if you’re already well-invested. ...

How would you spread R1m to ensure decent dollar-cost-averaging?

5 Aug 2021    1
And what would you do with the funds in the short term? ...
Open Secrets, Bruce Kapi, UPC, Financial Sector Conduct Authority, FSCA, Andrew Zwane, pension beneficiaries, unpaid pensions, retirement savings, unclaimed pension benefits

What could a South African do with R500k in a money market account?

27 Jul 2021    32
Until the interest rate situation changes in South Africa, I would strongly reconsider any cash exposure. ...

Offshore investing: The how, why, and what

16 Jul 2021
Elke Brink, wealth advisor at PSG Wealth, on why offshore investing is recommended, the sectors seeing great interest, and the avenues you can use to gain access to overseas markets. ...

Do reinvested dividends count as part of the R36k limit of a TFSA?

1 Jul 2021    5
They don't – provided that they are automatically reinvested by the product provider. ...

How should I manage a maturing retirement annuity?

22 Jun 2021
The key fundamental is to make sure you understand your goals, and to map them to an investment strategy within different product vehicles. ...

Is now a good time to buy a fixed annuity?

12 May 2021    15
In addition to the rates currently being offered, it’s advisable to consider whether a life or living annuity will be the best strategy for you. ...

I have more than R5m to invest. How can I double it?

20 Apr 2021    25
If you want to enjoy higher returns in any investment, you will need to have equity exposure. ...

Buitelandse beleggings bly ‘n groot trekpleister vir Suid-Afrikaanse beleggers

19 Apr 2021
Elke Brink - welvaartbeplanner, PSG Wealth (R21 Wealth Management Stellenbosch) ...

Want to start investing? Here’s what to consider

9 Apr 2021    5
Venturing into investments can be intimidating. Elke Brink of PSG Wealth discusses what to consider, outlines various investment vehicles, and shares some advice on how to build a share portfolio. ...

How much do I need to invest for a monthly income below the tax threshold?

25 Mar 2021    13
Two advisors tackle this reader's question. ...

Is it a good idea to invest in the SA property market?

24 Feb 2021    13
On a valuation basis property does show upside potential, but there is a large degree of uncertainty. ...
learnerships, MaJali Life Long Learner Fund, Babalwa Gova, MaJali Chartered Accountants, eastern cape, learner support, mentorship, learner support

What’s the best way to invest R10k for my son’s university education?

23 Dec 2020    14
And which unit trust fund would be best should I want to invest one? ...

Where can I earn the most interest on my capital when saving for a house?

5 Nov 2020    3
The term of your investment will play a big role in which products are suitable for your circumstances. ...
Michael Haldane , capital gains tax, CGT, investment tax,

Should I contribute more to my bonds or invest offshore?

3 Nov 2020    2
Comparing the return of your portfolio to the rate you are paying would be the first step to calculate what is best. ...

Can I split my retirement savings into two living annuities without incurring tax?

16 Sep 2020
It's not necessary – diversification can also be achieved within one vehicle. ...

Where can I open a tax-free investment where I benefit from compound interest?

13 Aug 2020
Investing with a wealth manager on an investment platform and following a unit trust approach is one option. ...

Is a tax-free fixed deposit the best way to use my tax-free allowance?

28 Jul 2020
Or should I invest in a unit trust or ETF portfolio? ...
PSG Wealth, succession planning, Robyn Laubscher,

Where can a blue-collar worker find a suitable financial planner?

7 Jul 2020
It seems companies tend to cater to higher-income families, individuals or entities. ...

How can I get a better return when investing R100k?

24 Jun 2020
Your investment term will determine your investment options and potential return. ...

What options are available for ethical investing?

26 May 2020
Shariah-compliant funds and ESG investment products are among the choices available to you. ...
property, rental income, investing in property, unit trusts, offshore investment

How can I save to live independently?

10 Apr 2020
Use the opportunity of not paying rent at this time to be able to save for the shorter term. ...

What’s the best low-risk, income-generating investment for a retiree?

14 Feb 2020
Structuring a retirement income product is one of the most important investment decisions you'll make. ...

What low-risk, high-return investment vehicle can boost savings?

7 Jan 2020
Higher returns require taking on more volatility and riding out market cycles. ...

Where is it best to invest R3m?

13 Sep 2019
Several things need to be considered; staying focused on your long-term objective – retirement – is important. ...

Most women play no role in financial planning

8 Aug 2019    3
'Everyone is just surviving day to day, not really thinking about the future and, therefore, not really saving or planning.' ...
Franske Neiteler, Money Rules Podcast, renting vs buying property, interest rates, investing in property, residential property, investment property, bond

Is it necessary to invest in property to build wealth?

11 Jul 2019
'The big money is not in the buying or the selling, but in the waiting' - Charlie Munger. ...

Elke's views

Why a passive approach may be exposing you to more risk than expected

5 Oct 2023    1
Passive investing has its role but it should definitely be analysed holistically within a portfolio. ...

How to double your portfolio

22 Sep 2023    1
Asset allocation plays a critical role in achieving this outcome. ...

Offshore exposure: How we get it wrong

21 Aug 2023
The human factor and our behaviour erode returns more than the market movement itself. ...

Financial planning for women: Are you optimising your annual tax benefits?

17 Aug 2023
A three-step plan for a tax-friendly portfolio. ...

Debt or investments: Which should I prioritise in a high interest rate environment?

31 Jul 2023
It's important not to prioritise one over the other throughout different economic cycles. ...

Creating generational wealth – tax-free

23 Jun 2023
There are great benefits to starting a tax-free investment for your children. ...

‘Buy (or at least hold) when there is blood on the streets’

24 May 2023    3
Volatility is part of the nature of the stock market, but it is also required to ensure optimal returns over time. ...

Creating a tax-friendly retirement

6 Mar 2023
A three-step plan to optimise a tax-friendly retirement environment. ...

Defining risk: Why you can stop worrying about a recession

2 Dec 2022    1
There is a difference between risk and volatility, which is incredibly important to remember specifically when approaching your investment portfolio. ...

Optimising your tax benefits before the end of the tax year

24 Nov 2022
There are only three-and-a-half months left to the end of the tax year, and therefore it’s imperative to start revising your portfolio again. ...

When the bear bites

4 Oct 2022
In times like these, we need to take a step back, gain some perspective and look at the situation objectively. ...

Seven tips on how to plan financially as an entrepreneur

20 Sep 2022
An entrepreneur's financial planning experience looks different to those who earn a salary. ...

Five things to remember when leaving your employer

12 Aug 2022
Doing these will benefit you and your family. ...

Celebrating women and wealth: A few tips to becoming financially secure

4 Aug 2022
It's important to take charge of your finances. ...

The more things change, the more they stay the same…

2 Aug 2022
We tend to forget many of the cycles we are currently experiencing have happened before, and that things turned out okay in the end. ...

Stop trying to time the recovery of the market

22 Jul 2022    1
The success of any resilient, all-weather portfolio lies in the waiting. ...

What is the war doing to my portfolio?

4 May 2022
A look at the average number of days it took markets to recover after each conflict provides perspective to remember the bigger picture. ...

Dealing with war

18 Mar 2022    1
Coming out of an incredible 2021 in the markets both locally and offshore where we enjoyed double-digit returns, absorbing the current volatility is difficult and uncertain. ...

Ultra-trail running vs investing

10 Feb 2022
What does running have to do with your investment portfolio? The answer is much more than you think. ...

Optimising your tax benefits before end of February

3 Feb 2022
Now is the perfect time to review your investment portfolio to ensure you're optimising your annual tax benefits. ...

Missing out on the best days in the market

14 Jan 2022
The importance of not timing the market and staying invested. ...

The power of preservation

14 Oct 2021    1
And what else to remember when leaving your employer. ...

SA proves to be resilient… in more than one way

17 Jun 2021    4
Contrary to what many of us would expect, the JSE has outperformed – significantly. ...

Offshore investing: consider the tax, estate and continuity planning from the start

28 Apr 2021
The reason we take funds offshore is generally to protect them – therefore offshore investments need to be done properly. ...

Never let a good crisis go to waste

9 Feb 2021    1
How offshore investing can and should be done. ...

21 financial tips to take into 2021…

8 Jan 2021
For you, your family, and your business. ...

Financial considerations for expats

15 Dec 2020
Are your SA portfolios taken care of? ...

Choosing a retirement annuity: what to look out for

9 Dec 2020    2
Currently, only 6% of South Africans can retire comfortably. ...

Defining value amid the changing world order

30 Jul 2020
Defining what value means to you will help you to better define if you have the right portfolio in place. ...

Why diversification is imperative in long-term investing

6 Jul 2020
Diversifying minimises risk – always! ...

Constructing your portfolio is like choosing wine

30 Jun 2020
Matching your investment options to your favourite blends. ...

Taking emotions out of investing

7 May 2020
Having a financial advisor can ensure that you aren’t missing any blind spots. ...

Covid-19 and the ripple effects

7 Apr 2020
If we could turn back time… ...

Breaking the personal finance glass ceiling

11 Oct 2019
Multiple studies have shown that when women do invest, they not only outperform the market, but in many cases also their male counterparts. ...

Are millennials changing the world or making the same mistakes?

13 Jun 2019
In failing to plan for their financial futures, they may be more like preceding generations than they'd like to admit. ...

Follow us:

Search Articles:
Click a Company: