Lucid Investments is a sophisticated wealth management firm specialising in providing clarity and strategic direction for high-net-worth individuals and families.
Our approach combines analytical rigor with personalised service to deliver investment solutions that preserve and grow significant wealth across market cycles and generations.
We are in the advanced stages of our FSP (Financial Service Provider) licensing process. While we anticipate approval in the near term, we cannot provide a specific commencement date until regulatory requirements are fully satisfied. We invite you to register your interest via our contact page for priority notification once our licensing is finalised.
Our leadership team brings over 40 years of combined experience in wealth management, with particular expertise in serving high-net-worth individuals. Our principals have navigated multiple market cycles, including significant market dislocations, providing them with invaluable perspective on capital preservation and wealth creation strategies in diverse economic environments.
Our team holds all necessary professional qualifications, including CFP® (CERTIFIED FINANCIAL PLANNER™), CFA (Chartered Financial Analyst), and advanced degrees in finance and investment management.
Additionally, we are in the process of securing our FSP license, which is the regulatory requirement to provide financial services in South Africa. All client engagement will commence only after receiving full regulatory approval.
Our distinction lies in three fundamental areas:
First, our unwavering focus on bringing clarity to complex financial matters through transparent communication and methodical processes.
Second, our customised approach that recognises the unique circumstances of each client rather than defaulting to standardised solutions.
Third, our disciplined investment methodology that prioritises capital preservation while seeking opportunities for strategic growth across diverse market environments.
Our investment philosophy is anchored in empirical analysis, strategic diversification, and risk-adjusted returns. We believe that meaningful wealth management transcends conventional market timing and simplistic asset allocation formulas. Instead, we focus on identifying structural inefficiencies and strategic opportunities that align with each client’s specific wealth objectives, time horizons, and risk parameters.
Our risk management framework extends beyond traditional volatility measures to address the multidimensional nature of investment risk. We employ advanced correlation analysis and scenario modeling to identify potential vulnerabilities within portfolio structures. This approach systematically addresses liquidity constraints, structural imbalances, and concentration factors through strategic diversification, asymmetric positioning, and dynamic rebalancing protocols.
While we evaluate each client relationship individually, our investment solutions are typically structured for clients with investable assets exceeding R10 million. This threshold allows us to implement the sophisticated strategies and personalised attention that define our approach to wealth management.
We provide four core service offerings:
Unit Trusts, offering strategic allocation across diverse asset classes;
Bespoke Portfolios, delivering tailored investment solutions for unique wealth objectives;
Model Portfolio/DFM Services, providing disciplined, systematic investment frameworks; and
Family Office services, encompassing comprehensive wealth stewardship beyond investment management.
Our Unit Trust offerings provide established investors with institutional-grade access to both traditional and alternative markets. We meticulously select and monitor these investments to ensure alignment with our rigorous standards for risk management, performance consistency, and strategic fit within broader portfolio structures.
Our Family Office service provides affluent families with sophisticated solutions extending beyond investment management to encompass wealth transfer, estate preservation, tax efficiency, and philanthropic legacy.
This comprehensive approach addresses the full spectrum of financial complexity, creating order from complexity and clarity from uncertainty for multigenerational wealth.
Client communication is tailored to individual preferences, with formal portfolio reviews conducted quarterly at minimum. Beyond scheduled reviews, our team maintains proactive communication regarding significant market developments or changes in portfolio positioning.
Our reporting combines comprehensive performance metrics with clear, jargon-free analysis of positioning and strategy.
Our investment methodology includes comprehensive scenario analysis and contingency planning to prepare for various market environments. When significant shifts occur, our investment committee implements predetermined protocols to assess portfolio implications and determine appropriate adjustments. This disciplined approach prevents reactive decision-making while ensuring portfolios remain aligned with long-term objectives despite changing market conditions.
Absolutely. Effective wealth management often requires collaboration across multiple professional disciplines. We regularly coordinate with clients’ existing advisors to ensure alignment across tax planning, estate considerations, business interests, and other dimensions of wealth. This collaborative approach creates a cohesive strategy that addresses both investment performance and broader wealth objectives.
Our fee structure is transparent and aligned with client interests.
We typically employ an asset-based fee model that eliminates conflicts associated with commission-based approaches. The specific fee schedule is determined by service level, portfolio complexity, and total assets under management. All fees are fully disclosed and discussed prior to engagement to ensure complete clarity regarding the value proposition.
