Goodbye 2025, Hello 2026 🦁

Dear Valued Silke Clients,

As we close the chapter on 2025 and step into 2026, I do so with a sense of gratitude, optimism and personal purpose. On a personal note, one of my goals for this year is to complete the Midmar Mile in February. A reminder to me that meaningful progress, whether in health, wealth, or life, comes from steady preparation, discipline and commitment over time. As Georgia once reminded me (at age 5): "You shouldn't break the rules daddy 'cause policemen are always watching - like God and Christmas."

The year behind us once again reminded us that markets move, circumstances change and life continues to unfold, yet well-structured planning remains a powerful anchor. At Silke Financial Services, we remain deeply committed to helping you align your wealth with what truly matters in your life, today and across generations.

Here is a snapshot of our journey together.

Silke Financial Services by the numbers...

Silke Financial Services	2001	2025	2026
Clients	1	709	645 (168 Families)
Youngest Investor	Born 1958	Born Nov 2024	Born Dec 2025
Oldest Investor	Born 1958	Born 1930	Born 1930
Oldest Investor on record	Born Feb 1920
Avg Investor Age	43	52	53
Gender	100% F	59% F / 37% M / 4% Other	58% F / 39% M / 3% Other
Investor Locations	ZA	ZA, UK, AUS, DE, CAN, NZ, USA, NED, IT, FR, CH, NA, MU, JPN, HKS	ZA, UK, AUS, DE, CAN, NZ, USA, NED, IT, FR, CH, NA, MU, JPN, HKS,SG
Goal Funds Managed	1	2526	2501
Monthly Regular Outflow	R0	R3.594m	R3.947m
Avg Monthly Regular Outflow Since 2001	R0	R1.211m	R1.125m
Monthly Regular Savings	R500	R1.224m	R1.400m
Gross Assets Under Management Value Since 2001	R500	R1.794bn	R1.949bn
SA Rugby World Cups	🏆	🏆🏆🏆🏆	🏆🏆🏆🏆
*The above figures approximates from inception to date is not exact, broadly representative.

Key Insights from 2025

1. A more focused client base
While total client numbers reduced slightly, the number of family relationships remains strong. This reflects a deliberate move toward deeper, multi-generational Wealthcare relationships rather than transactional planning.

2. Inter-generational continuity
With our youngest investor born in December 2025 and our oldest investors still actively invested, Silke continues to span nearly a century of life stages - a rare privilege in financial planning. As our oldest investor puts it, "I have a long-term view." 😊

3. Broadening client residency footprint
With clients now residing in Singapore, our client base continues to reflect globally mobile lives, reinforcing the need for planning that works across borders while remaining firmly grounded in South Africa.

4. Rising commitment to saving
Monthly regular savings increased to R1.400 million, highlighting renewed discipline and long-term thinking from clients despite ongoing global uncertainty.

5. Increased income drawdowns
While client income withdrawals increased during 2025, drawdowns remain comfortably within sustainable levels. This reflects a disciplined balance between enjoying wealth today and preserving capital for the years and generations ahead.

Looking Ahead to 2026

As we enter the new tax year, a few reminders to help you plan proactively:

January to December 2026

R1 million discretionary allowance (DA) — may be used for foreign investment without tax clearance (a tax number is required), as well as travel, gifts, loans, studies, and alimony
R10 million foreign investment allowance (FIA) — may be used for offshore investments and requires SARS tax clearance

Ending February 2026

Tax-Free Investments: Max annual contribution: R36,000 Lifetime max: R500,000
Retirement Contributions: Tax-deductible up to 27.5% of taxable income, capped at R350,000 per year

Please send instructions for additional contributions to engage@silke.co.za by Friday, 13 February 2026.

At Silke, our Integrated Wealthcare approach ensures that your financial strategies are tailored to your life's priorities and aspirations. We empower you to achieve extraordinary outcomes with your wealth today and in the future.

This disciplined, long-term approach reflects our Destination31 commitment ensuring the wealth we steward supports meaningful lives today while remaining resilient and sufficient for future generations.

Thank you for choosing Silke Financial Services as your trusted partner. We look forward to another year of growth, success, and meaningful connections.

Yours in health and prosperity,

🏉🏆🏆🏆🏆

Editor: Shane Thom, Silke Financial Services
E-mail: shane@silke.co.za
Tel: +27 21 683 3380 · Fax: +27 21 683 3872
www.silkefinancialservices.com · X · LinkedIn · Facebook

FSP No. 12462 · An Authorised Financial Services Provider