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Unit Trust

Designed to help individual investors achieve their goals


What is a Unit Trust?

Unit Trusts, or mutual funds, are pooled investment schemes that amalgamate funds from various investors to build a diversified asset portfolio, including stocks, bonds, and securities. These vehicles aim for capital growth or income over time, based on the fund’s goals and asset distribution. Businesses investing in unit trusts can achieve higher returns than traditional savings, aiding in capital growth, expansions, or covering unexpected costs. In South Africa, unit trusts offer benefits like professional management, diversification, and liquidity, making them appealing for businesses looking to enhance capital, generate income, or diversify investments, thus maintaining a competitive market stance.

How would a Unit Trust benefit me?

Higher Returns
Higher Returns

can offer the potential for higher returns than traditional savings accounts or fixed- income investments, which may not keep pace with inflation over the long term.


Unit trusts provide an accessible investment option, enabling investors to enter the market with relatively modest amounts of capital. This feature opens the door for a wider range of individuals to diversify their investments and participate in financial markets without needing large upfront sums.

Professional Management
Professional Management

Managed by professional fund managers, unit trusts benefit from expert investment management, ensuring informed decisions in portfolio selection and asset allocation

Professional Management
Professional Management

Unit trusts are managed by experienced investment professionals who possess the expertise and resources to conduct in-depth market analysis and make informed investment decisions. This allows businesses to benefit from professional management without needing to dedicate time and resources to managing their investments actively.

Benefits of Having an
Mont Blanc Financial Services (MBFS) Financial Advisor:


Comprehensive Approach:

MBFS advisors go beyond basic financial products. They take a holistic view of your situation, considering short-term insurance, employee benefits, risk management, and even investment options. This comprehensive approach ensures your financial plan addresses all your needs.


Technology & Innovation:

MBFS prides itself on being a "Fresh-Tech" ™ company. Your advisor will leverage modern tools and resources to deliver efficient service and provide you with up-to-date financial information.


Client-Centric Focus:

Rooted in their core value "We Care" ™ , MBFS advisors prioritise building strong relationships with our clients. They act as partners, understanding your unique goals and tailoring solutions to achieve them.


Peace of Mind & Security:

With MBFS's focus on "Getting You Claims Ready" ™ , our advisors can ensure you have the right insurance coverage in place. This proactive approach can give you peace of mind knowing you're protected financially in case of unforeseen events.

Onshore and Offshore Investments

Offshore investments
Offshore investments

Refer to investments made in a foreign country or offshore financial centre, usually with the aim of taking advantage of tax benefits, greater financial privacy, or diversification opportunities.

Onshore investments
Onshore investments

Refer to investments made within the investor's home country, where the investor is subject to local regulations, taxes, and investment laws. In general, offshore investments are often associated with higher risk and greater potential for reward, while onshore investments offer more stability and security.

Benefits of Onshore Investments

Local Expertise

Investment managers have a deep understanding of the South African market and can provide local insights into investment opportunities

Regulatory Familiarity

Familiarity with local regulations and tax laws can help investors navigate the local investment landscape

Currency Hedge

Investing in local currency can reduce currency risk associated with fluctuations in exchange rates


Lower transaction costs and reduced investment minimums can make onshore investments more accessible to individual investors

Benefits of Offshore Investments

Global Exposure

Access to a wider range of investment opportunities, including markets that may not be available in South Africa


Investing offshore can provide diversification benefits, reducing risk through exposure to different asset classes, sectors and geographies

Currency Diversification

Offshore investments can provide exposure to different currencies, which can help to manage currency risk and enhance returns

Access to High-Quality Investment Managers

Offshore investing provides access to high-quality investment managers with a wide range of expertise and experience

As part of our investment solution
we have a choice of

A Multi-Manager
A Multi-Manager

It is a type of investment fund that pools money from multiple investors and invests in a diversified portfolio of other unit trusts, managed by different fund managers. Essentially, the Multi- Manager Unit Trust is a fund of funds, providing investors with access to a range of different asset classes and investment styles through a single investment vehicle.

Single management
Single management

Refers to a situation where a single investment management company is responsible for managing all the assets of the unit trust. This means that the investment manager is responsible for making investment decisions, conducting research, and implementing investment strategies on behalf of the investors who have invested in the unit trust.

Frequently Asked Questions

What is Unit Trust Insurance, and how does it work?

What are the benefits of having Unit Trust Insurance?

Are there any risks involved with Unit Trust Insurance?

How do I choose the right Unit Trust Insurance for me?

What other clients also insured

Credit Life
Credit Life
Death cover, which pays off the remaining loan balance Permanent disability cover as well as loan instalments for up to 12 months.
Education Plan
Education Plan
Education Planning is a way of securing funds for future school and University education costs, a vital way of reaching for your family’s potential.
Tax Free Investment
Tax Free Investment
A Tax-Free Savings Account (TFSA) in various forms, protects your initial investment and provides a tax-free way to meet financial goals, as it exempts interest, dividends, or capital gains from taxes