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Unit trusts in south africa

Wikipedia decribes a Unit Trust as:
"A unit trust is a form of collective investment constituted under a trust deed.

Unit Trusts (Collective Investments) offer access to wide range of securities for all types of investors.

Unit trusts are open-ended investments; therefore the underlying value of the assets is always directly represented by the total number of units issued multiplied by the unit price less the transaction or management fee charged. Each fund has a specified investment objective to determine the management aims and limitations."

Classification of South African Regulated Collective Investments (Unit Trusts) by The Association of Savings & Investment SA (http://www.asisa.co.za/)

Domestic Portfolios These are collective investment portfolios that invest at least 80% of
their assets in South African investment markets at all times.

  • Equity portfolios
  • Asset Allocation portfolios
  • Fixed Interest portfolios
  • Worldwide Portfolios
    These are collective investment portfolios that invest in both South African and foreign markets. There are no minimum set for either domestic or foreign assets.
  • Equity portfolios
  • Asset Allocation portfolios
  • Foreign Portfolios
    These are collective investment portfolios that invest at least 85% of
    their assets outside South Africa at all times.
  • Equity portfolios
  • Asset Allocation
  • Fixed Interest

Definition of investor risk profiles:

  • A conservative investor requires stable investment growth or a high level of income. The primary investment goal is
    capital protection. This investor may require access to the investment within three years.
  • A cautious investor requires stable growth in his/her investment and is uncomfortable when investment values decline.The investor may require a moderate level of income and is likely to have an investment horizon of at least three years.
    The primary investment goal is capital protection.
  • A moderate investor invests for the longer term (at least five years) and requires no income. The investor can tolerate
    fluctuations in the value of his or her investments from time to time. The primary investment goal is capital growth.
  • An assertive investor invests for the long term (at least seven years) and requires no income. Typically, this investor is
    prepared to accept more risk than a moderate investor, but does not want full exposure to equities. The primary
    investment goal is capital growth.
  • An aggressive investor invests for the long term (at least ten years) and seeks the highest possible growth. Typically, the investor is prepared to accept substantial fluctuation in the value of his or her investment. The primary investment
    goal is long-term capital growth.
  • We identify superior collective investments schemes (unit trusts) in each category as described, and from the best performing management houses; eg.
    • Allan Gray
    • Investec
    • Coronation
    • Foord
    • Absa
    • Innofin
    • Stanlib
    • Old Mutual
    • RMB
    • Sanlam
    • Nedbank
    • Prudential
    • Momentum
    • etc.

Independently researched and handpicked according to risk profile, asset allocation, asset class and investment goals

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