Instead of you having to pick individual investments - which is expensive, requires specialised knowledge and much time -
a unit trust offers you exposure to a range of assets, which are selected and managed by investment professionals.
They watch the markets 24/7 and carefully manage the investment on your behalf.
There are many different types of funds to consider, all having different investment strategies and investing in different assets. Each fund has a specific mandate and risk profile and aims to achieve certain objectives.
It is an easy and convenient way to invest and grow your money.
Example: You invest R10 000 into a unit trust. You receive a number of units, based on that funds value when you invest.
If a unit is worth R 10 on that day - you will have 1,000 units.
As time passes, the unit value will rise and fall - depending upon the performance of the assets into which the fund managers invest.
Say, the unit price increases to R12, then your 1 000 units will grow by R2 000, to R12 000.
But, there is risk as the assets could fall in value, meaning the unit price will also reduce.
So, if the unit price decreases to R9, the value of 1 000 units will be R9 000.
Every saving and investment product has different risks and returns, like how readily you can get your money when you need it, how fast your money will grow, and how safe your money will be.
There are also other risks to consider such as how the economy will perform, how the stock market will react to the economy over time and what inflation will be and these can affect your return.
However, there is no greater risk than not saving!
This unit trust lies around the middle of the risk spectrum, not taking too much (or too little) risk.
Just right for a 1st time investor!
This fund aims to maximise your long-term investment growth, at lower levels of risk than a fund only invested in shares.
Risk is an unavoidable feature of investing, so seeking higher long-term returns requires tolerance to short-term volatility in your fund value.
The value of your unit trust may go down as well as up, and is therefore not guaranteed.
However, with an investment term over at least 5-years and the correct investment strategy, a good return is generally achievable and probable.
More information on the risk and return profiles of the fund is available on the published fund fact sheets.
It has been a top quartile performer since launch in 2001!
The fund is suitable for investors:
(It is not suitable to highly risk-averse investors.)
R100,000 invested at launch in July 2001, would have grown to R1,252,500 as at end July Last update December 30, 2020 .
Not a return to ignore!
Last update December 30, 2020
Remaining invested for the 5-year minimum recommended investment period is crucial to achieving the fund's objective. If you are not comfortable with this volatility, please talk to us.
When you sell any of your units, or if you switch from one Unit Trust to another, you’ll be subject to Capital Gains Tax. Although never a real problem unless you have a huge fund, it still is a factor to remember.
The fund will advise you of any capital gain event.
There is NO investment term - you can access your investment at any time, with 24hrs notice.
There is NO initial or upfront fee fee! Other funds do charge these.
Your full investment amount is invested to purchase your units.
There are Investment Management charges and a Financial Advisor fee which are reflected in your quote.
No penalties if you stop and restart your debit order and make contributions and withdrawals at any point in time.
Minimum investment amount of a lump sum of R5 000 or debit order of R500 per month.
You can cede your investment
You cannot borrow from the investment.
If you pass on - the investment is part of your estate when you die, and will be distributed in accordance with the instructions of your will.
Investing in unit trusts has traditionally yielded good returns, offering you the opportunity to build real wealth.
Low investment risk - managers spread your money across many investments, reducing the chances of you suddenly losing large amounts of money should the markets change.
For example, if one of the companies in which you have invested suffers a severe setback, only a small percentage of your investment will be affected as it is spread across multiple companies.
Good Communicators - you can access your statement Online or receive regular updates from your fund manager.
You can also track the performance of your Unit Trust fund on a daily basis on investment websites or via the press.