Hi there, I'm Munaf!
I specialize in Retirement Income Planning for retirees, providing expert guidance in selecting suitable annuity products. My objective is to help you develop a tax-efficient and sustainable retirement income strategy tailored to your financial goals.
I specialize in Retirement Income Planning for retirees, providing expert guidance in selecting suitable annuity products. My objective is to help you develop a tax-efficient and sustainable retirement income strategy tailored to your financial goals.

Hi there! I'm Munaf!
I help my clients understand Investment Planning so that they feel comfortable investing their money. I offer my clients honest and objective advice to help them get the most value out of their savings.
I help my clients understand Investment Planning so that they feel comfortable investing their money. I offer my clients honest and objective advice to help them get the most value out of their savings.

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A quick look
at what i do best...
Watch Now
A quick look
at what i do best...
Gradidge-Mahura Investments
Hi there, thanks for visiting my website. If you are looking for investment or post-retirement planning advice, you have come to the right place. I am a Certified Financial Planner (CFP®) at Gradidge-Mahura Investments (GMI), an authorized financial services provider. As a CFP® professional, I am a member of the Financial Planning Institute and subscribe to its code of conduct and continuous professional development (CPD) requirements.
Founded in 2008, GMI is an independent financial planning practice and one of only fourteen financial planning practices in South Africa who have been accredited as an FPI Approved Professional Practice™ by the Financial Planning Institute (FPI). In 2021, GMI won the the FPI Approved Professional Practice of the Year award. We hope that this serves as testament of highly qualified and experienced team at GMI and of our constant pursuit to provide our clients with a professional level of advice and service.
GMI has also earned the Masthead Verified FAIS Seal of Compliance every year since 2015. Masthead is a Compliance Auditor for Financial Services Providers. The Seal is awarded to a practice if they score more than 85% in all four compliance audits for the year. We hope that this provides our clients with peace of mind knowing that we comply with all the regulatory and compliance requirements set out by the Financial Sector Conduct Authority.
Testimonials
What My Clients Say?
EXCELLENT Based on 28 reviews marlene titus2024-03-26Trustindex verifies that the original source of the review is Google. We can highly recommend Munaf for the patient and professional manner in which he handles any questions we have. We are happy with the service received from him and his team. Desh Rooplall2024-03-25Trustindex verifies that the original source of the review is Google. Munaf is very professional, knowledgeable and efficient. He assisted me in making very informed decisions about my investments. I could not be happier and I highly recommend Munaf for sound investment and retirement planning steer. Ntsikelelo Maqubela2022-07-20Trustindex verifies that the original source of the review is Google. Exceptional service delivered with a human touch! Munaf and his team came through for me when I needed it most. And in record time too! The empathetic way in which my situation was handled deeply touched me. Yuvi S2022-06-17Trustindex verifies that the original source of the review is Google. I am very happy and grateful with the service that I have received through all my dealings with Munaf. He is extremely knowledgeable in the field and offers expert advice. I have never felt pressurized into making any decisions and that's what I appreciate the most. Munaf responds promptly to all requests, providing detailed and thorough feedback. He always avails himself to explain things through, taking his time to ensure that all questions are answered. It is evident that it's not all about business interests but rather that Munaf has ones best interest at heart. I highly recommend contacting Munaf for all financial related services. Thank you for the excellent service, may you continue to grow from strength to strength. Asia Brey2022-05-05Trustindex verifies that the original source of the review is Google. We were introduced to Munaf via Gradidge Mahura Investments (Pty) Ltd (GMI) who were appointed to assist UCTRF members approaching retirement with retirement planning. Munaf’s service ethic, professional attitude, and his knowledge of investment products, including Sharia compliant products met all of our expectations. We were kept up to date throughout the process and he was always available to answer any questions. Asia & Dilshaad Brey (UCT employees) Dakalo Nemauluma2022-05-03Trustindex verifies that the original source of the review is Google. Referred to him by a friend back in 2018 and we have been together from then till now including thru the pandemic. Very understanding, professional, easily available, relatable and easy to talk to. Will recommend him anytime to anyone including those who want to start the journey without any knowledge of saving, investment, etc Julia Losper2022-04-22Trustindex verifies that the original source of the review is Google. Munaf has been my financial advisor for over 8 years he has assisted me with many financial decisions. His open and honest approach to advice and informing has been greatly appreciated over the years and I can't thank him enough. He is knowledgeable, trustworthy, and passionate about financial management. Always willing to assist anyone where possible even if your have questions unrelated to your investments he will provide guidance where possible. He gives his clients space to make my their own decisions, even though he manages my investments I still feel a part of the decision making as I remain informed and included. Rushda Petersen2022-04-22Trustindex verifies that the original source of the review is Google. Munaf puts his clients first and respects their decisions as well. Darin Wolfaardt2022-04-22Trustindex verifies that the original source of the review is Google. Munaf has a wealth of knowledge and provides professional and friendly service. I highly recommend him to others
View Articles
Money Blog
Watch my videos below
Gradidge-Mahura Investments: Interest Rates in 2024
Why include Hedge Funds in an Investment Portfolio?
Two-Pot Retirement System Explained
2024 Annual Investment Conference - Cape Town
Shari'ah Investment Funds & Strategies
Tax Saving Strategies at Retirement 1 of 6 - Reducing Tax on your Leave Pay-Out
TitleTax Saving Strategies at Retirement 2 of 6 - Using Compulsory & Discretionary Funds
Contact Details
Phone Numbers
Tel: 021 204 2920
Cell: 074 589 6489
munaf@gminvestments.co.za