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Frequently Asked Questions

Answers to common questions about IJG, our services, and how to get started.

About IJG

What is IJG?: IJG is an independent Namibian financial services group providing wealth management, investment products, stockbroking, advisory and research services to individuals, businesses and institutions.
What makes IJG different?: IJG combines local expertise, independent advice, personalised service and access to both local and international investment opportunities.
Who does IJG work with?: IJG works with individual investors, families, entrepreneurs, businesses, institutions and high-net-worth clients.
Where is IJG based?: IJG is headquartered in Windhoek, Namibia.
How do I contact IJG?: You can contact IJG through the website, by phone, email or by visiting the Windhoek office.

What is wealth management?: Wealth management is a personalised financial planning service that helps clients grow, protect and transfer their wealth.
What services are included in wealth management?: Services include investment planning, retirement planning, estate planning, risk planning and fiduciary services.
Who should use wealth management services?: Wealth management is suitable for individuals and families seeking professional guidance to achieve long-term financial goals.
Can IJG help me plan for retirement?: Yes. IJG provides pre-retirement and post-retirement planning services to help clients achieve financial security in retirement.
Does IJG provide estate planning services?: Yes. IJG assists with wills, trusts, succession planning and other fiduciary services.
Does IJG offer offshore investment solutions?: Yes. IJG provides access to international investment opportunities through approved offshore investment solutions.

What investment products does IJG offer?: IJG offers Money Market Solutions, Treasury Bills, Government Bonds, Unit Trusts, Managed Portfolios and Stockbroking services.
How do I know which investment product is right for me?: An adviser can assess your financial goals, investment horizon and risk profile before recommending a suitable solution.
What is a risk profile?: A risk profile measures your willingness and ability to take investment risk.
Can I invest if I am a first-time investor?: Yes. IJG offers investment solutions suitable for both new and experienced investors.

What is the IJG Money Market Solution?: The IJG Money Market Solution is a low-risk investment focused on capital preservation and short-term returns.
What is the minimum investment amount?: The minimum opening balance is typically N$10,000.
How quickly can I access my money?: Withdrawals are generally processed within 24–48 hours under normal conditions.

What is a Treasury Bill?: A Treasury Bill is a short-term government-backed investment offering fixed returns over a defined period.
How long can I invest for?: Treasury Bills are typically available in 3, 6, 9 and 12 month terms.
Are Treasury Bills considered low risk?: Yes. Treasury Bills are backed by the Government of Namibia and are considered low-risk investments.

What is a Government Bond?: A Government Bond is a longer-term investment issued by the Government of Namibia that pays regular interest to investors.
How often is interest paid?: Government Bonds generally pay interest twice per year.
Who are Government Bonds suitable for?: They are suitable for investors seeking stable income and capital preservation over the medium to long term.

What is a Unit Trust?: A Unit Trust pools money from multiple investors and invests it according to a specific investment mandate.
What are the benefits of Unit Trusts?: Unit Trusts provide diversification, professional management and access to multiple asset classes.
Are Unit Trusts suitable for long-term investing?: Many Unit Trusts are designed for long-term investing, although suitability depends on the specific fund and your objectives.
Can I invest in offshore funds through IJG?: Yes. Certain Unit Trust solutions provide exposure to international markets through feeder funds and other structures.

What is stockbroking?: Stockbroking allows investors to buy and sell shares, bonds and other listed securities through a licensed broker.
Is IJG a licensed stockbroker?: Yes. IJG is a licensed broker on the Namibia Stock Exchange (NSX).
How do I open a stockbroking account?: You will need identification, proof of address, proof of bank account and completed application forms.
What are the risks of investing in shares?: Share prices can rise and fall based on market conditions, company performance and investor sentiment.

What advisory services does IJG provide?: IJG provides strategic financial advice, valuations, capital raising, transaction support and other advisory services.
Who can use advisory services?: Advisory services are suitable for businesses, entrepreneurs, institutions and corporate clients.

Does IJG publish research?: Yes. IJG produces market research, economic insights and investment-related publications.
Can I access research online?: Research publications are available through IJG's website and research platforms.
Can I subscribe to research updates?: Yes. Visitors can subscribe to receive updates on new research and market insights.

Are there fees for investing?: Fees depend on the product or service selected. An adviser can provide a detailed fee schedule.
Will I be informed of fees before investing?: Yes. Relevant fees and costs will be disclosed before any investment decision is made.

How is my personal information protected?: IJG uses privacy and security measures to protect personal information and comply with applicable regulations.
Why do I need to provide personal information?: Personal information may be required to process enquiries, open accounts or comply with regulatory requirements.
Will my information be shared with third parties?: Personal information will only be shared where required to provide services, comply with legal obligations or with your consent.

What should I do if I cannot find what I am looking for?: Use the website search, browse the relevant service area or contact the IJG team for assistance.
Can I request a consultation online?: Yes. The website provides enquiry and consultation request forms that route requests to the appropriate team.
Is the website available in multiple languages?: Certain content may be available in English, Afrikaans and Oshiwambo as part of the multilingual website experience.