What We Do

First and foremost, Luthuli Capital is an investment management firm to professionals, high-net-worth individuals and families. Everything we do is designed to pursue the potential in your investment portfolio. It requires a level of focus, dedication—and even a philosophy—you simply won’t find in a conventional investment management firm. It means we act as a fiduciary in the context of an individualized investment strategy. An investment is a living entity, not a concept, not a number. It’s a big decision—with even bigger implications. It is for this reason that the Luthuli Capital investment team will:


Explore and understand your unique situation, priorities and goals


Actively manage your asset allocation


Work one-on-one and design a strategy for you


Stay accessible and inform you all the way

This is done so we may effectively populate a realistic plan for achieving your investment goals whilst minimising your risk. At Luthuli Capital we understand that RISK can be effectively “managed” without limiting the potential in an investment portfolio. Rather than reacting to the perception of risk, the real focus of investing should be understanding the nature of market behaviour and accounting for it in decision-making. We’re curious in our study of the global economy, creative in the way we identify opportunities, diligent in our research, and intentional in our allocations. We focus on the things we understand—and look beyond conventional wisdom. As thoughtful active managers of every client’s allocation, we pay attention to every transaction.

Luthuli Capital is proactive and forward-focused in every aspect of its pursuit to increase portfolio returns while decreasing risks and costs. Asset management firms often push historical performance, which reinforces the tendency of investors to chase performance (i.e. buy high and sell low). Our motivation is to identify reliable strategies, talented managers, and investment products with a sustainable edge in the future. This approach empowers Luthuli Capital with a unique and unobstructed vantage point to shape and build the right wealth management strategy for you.

And to that end, we also recommend a comprehensive financial plan that informs your investment strategy and wealth protection decisions. Why? Our private wealth management practice is focused on enabling our clients to enjoy the benefits of an integrated approach to managing their wealth. Our role is to anticipate and solve financial problems and provide wealth management leadership so that our clients’ lives can be easier and fulfilled. We guide clients through strategic decision making based upon goals for their personal lifestyle, family, and charitable legacies.

We focus on the elements of wealth management that are truly controllable such as asset location, market efficiency, costs, and taxation. Whether you’re just starting out, or are a seasoned and astute investor, we have the expertise for your wealth management needs.

We look forward to serving you.

Mduduzi Luthuli

My financial career in 2009 with Nedbank Limited as a private banking consultant to high net- worth individuals. I later moved on to Liberty Corporate where I administered their Umbrella Book with a focus on Investment Portfolio Management.

My financial advisory career commenced in 2013 with Liberty Life, a career that led me to being promoted to Head of Wealth Management in 2015 at one of the top black-owned brokerages in Sandton, South Africa.

In September of 2016 I set up my own wealth-management firm and have been responsible for managing the investment management division, developing and tracking compliance processes & tools and increasing our retail and corporate assets under management whilst overseeing the broad business strategy, business development and value proposition of Luthuli Capital. This has resulted in us acquiring over 200 clients to date, building a multi-million Rand AUM book and a profitable company.

Over the span of my career, I’ve also worked as a personal finance contributor for media firms such as Business Day, Money Web, Inc. Africa, CNBC Africa, Radio 702, Kaya FM and SABC News.

Contact me for a consultation on mduduzi@luthulicapital.com.

Trudy Luthuli

I specialises in personal and business risk protection & management. My vast experience is in consultancy to Boards of Trustees of private (standalone) retirement funds, client services to financial advisors, and direct financial advisory to individuals and businesses. Being analytical and attentive to detail, I pride myself in giving each client a personalised proposals which may include; financial needs analysis, risk benefit rating & qualitative comparisons, and clear actionable recommendations. My passion for connecting with clients on a personal level allows me to understand their needs, wants, goals and fears – and this also guides me in their financial planning process.

I am a mother to two little girls and one boy. Motherhood gives me a deep desire to help my clients protect their legacies from poor financial advice and lack of action from themselves. My financial services career started in 2010 with Alexander Forbes Consultants & Actuaries as an Employee Benefits Consultant. I moved to Absa Consultants & Actuaries and finally, Liberty Corporate. I successfully completed the Regulatory Exam (RE5) and Postgraduate Diploma in Financial Planning Law in 2011. In 2012 I became a member of the Financial Planning Institute of Southern Africa, and I continue to be a Certified Financial Planner®.

In September of 2016 I joined Mduduzi in starting Luthuli Capital. I have been responsible for the administrative and client services divisions in the business. In December 2017, I decided to return to an advisory role as my value proposition is strong and adds value to our current and future clients.

Contact me for a consultation on trudy@luthulicapital.com.

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