Hi there, I'm Munaf!

I work with individuals who are at, or nearing, retirement — providing independent financial advice and personalised guidance to help you structure your investments and income in a way that’s both optimal and tax-efficient.

The Result? A plan that brings clarity, confidence and a sense of comfort as you approach this next chapter of life.

Munaf Mukadam, Certified Financial Planner, helping South Africans retire smart with tax-efficient strategies
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A Brief Intro...

ABOUT ME

WELCOME

Welcome, and thank you for visiting my website!

My name is Munaf Mukadam, and I’m a Financial Planner at Gradidge-Mahura Investments (GMI). This is my personal platform, created to introduce the services I offer and how I can assist you on your financial journey.

I’ve been practicing as a financial planner since 2013, with a strong focus on Investment and Retirement Planning. Whether you’re looking for expert guidance on local or offshore investments, or preparing for retirement and in need of a structured post-retirement income strategy, I – together with the team at GMI – bring a wealth of experience and insight to the table.

Our clients benefit from a disciplined investment philosophy, a deeply analytical approach to financial planning, and tailored tax-efficient strategies designed to help you get the most value out of your money. For those seeking ethical investment options, we also offer Shari’ah-compliant solutions.

Feel free to explore, and I look forward to the opportunity to connect with you.

Testimonials

What My Clients Say?

Smart Tax Strategies

View my Tax Saving Strategies video series here

View Articles

Money Blog

Golds Record Surge

Gold’s record surge: Boom, bust, or just the beginning?

Over the past 12 months, the gold price has surged around 40%, reaching an all-time high and, at the time of writing, nearing the $3 000 per ounce mark..
How investment fees impact your bottom line

How investment fees impact your bottom line

Munaf Mukadam of Gradidge-Mahura Investments details the various costs, their impact on your returns, and strategies to mitigate them..
The Psychology of Money

The Psychology of Money by Morgan Housel

When it comes to managing your money, what you have experienced is more compelling than what you have learnt second-hand. Your personal experience with money is extremely unique…

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We will use your responses as part of our discussion. Understanding your money scripts helps me tailor financial advice to not only your numbers, but also your values, behaviours, and long-term goals.