Personal
Planning, investing, protection and finance for individuals and families.
Financial services built around ownership.
Stratum brings planning, investments, protection, finance, retirement, health and wealth into one clear client relationship.
The Stratum proposition
Your money should do more than move.
It should help you build a future.
Stratum Financial Services brings your financial life into one considered relationship. We coordinate appropriate solutions through authorised financial institutions and specialist providers, while creating pathways to qualifying ownership opportunities across the wider Stratum ecosystem.
Business
Financial services, employee benefits and capital for growing businesses.
Private clients
A coordinated relationship for complex wealth, property and legacy needs.
Employers
Retirement, group risk, healthcare, wellbeing and employee ownership.
Ownership
Pathways into qualifying property, business and listed investment opportunities.
Stratum services
One relationship connects the different parts of your financial life.
Start with what
matters to you.
Explore the area most relevant to you. Each category introduces the services available before you move into the detail.
For you and your family
A coordinated set of services for the financial decisions that shape everyday life—from investing and finance to protection, retirement, health and rewards.
This category includes Investments, Credit & Finance, Insurance, Retirement, Health, Rewards.
Wealth and ownership
A private-client relationship for connected decisions across wealth, family, property, business interests, legacy and qualifying ownership opportunities.
This category includes Private Clients, Wealth, Ownership-linked finance.
For business and people
Integrated services for business growth, organisational resilience, employee wellbeing and complex institutional mandates.
This category includes Business, Employee Benefits, Corporate & Institutional.
The layer that makes Stratum different
Shop where you own.
Own where you shop.
Connect with qualifying investment and ownership opportunities across property, operating businesses, JSE-listed securities and managed portfolios. Each opportunity is subject to its own legal, regulatory and investment structure.
Property
Businesses
Listed investments
Managed portfolios
How the partner model works
Specialists work together through one clear relationship.
Stratum does not present itself as a bank or manufacture every product. We coordinate the client experience while appropriately authorised institutions and specialist providers deliver the relevant products and expertise.
Stratum Financial Services
Stratum owns the client relationship, financial planning proposition and integrated ecosystem experience.
Authorised financial partners
Authorised partners provide agreed banking, lending, payments, investment, insurance and retirement products and infrastructure.
Specialist providers
Specialist providers contribute asset management, insurance, administration, healthcare, custody, actuarial, legal and tax expertise.
The Stratum ecosystem
The wider Stratum ecosystem connects qualifying property, business, investment and ownership opportunities.
The connected experience
Your entire financial life.
One clear view.
My Stratum brings money, protection, finance, retirement, health, wealth, ownership and rewards into one coordinated experience.
Dashboard
My Stratum
Money
R25,000
Investments
R180,000
Retirement
R650,000
Insurance
Protected
Credit
R120,000 available
Ownership
R95,000
Rewards
8,400 points
BankingInvestFinanceProtectRetireHealthWealthOwnRewards