Unit Trust

Designed to help individual investors achieve their goals

What is a unit trust?

Personal unit trusts are typically designed for individual investors who want to invest their personal savings in a diversified portfolio of securities such as stocks, bonds, and property. These unit trusts are designed to help individual investors achieve their personal financial goals, such as saving for retirement, buying a house, or paying for their children's education.

Personal unit trusts are usually managed by professional fund managers who invest the money collected from individual investors in a diversified portfolio of securities. The returns earned by the unit trust are distributed to the investors in proportion to their holdings in the unit trust.

Unit trust business investments in South Africa offer numerous benefits, making them an attractive option for businesses seeking to grow their capital, generate income, or diversify their investment portfolios. With professional management, diversification, and liquidity, unit trusts can help South African businesses achieve their financial goals and maintain a competitive edge in today's dynamic market landscape.

Pro Personal Unit Trusts can offer you

Diversification

Provides access to a diversified portfolio.

Professional Management

Managed by professional fund managers with expertise in investment management

Flexibility

Easy to buy and sell units, providing investors with flexibility and liquidity

Accessibility

Allows investors to invest in securities that may be difficult or expensive to invest in directly

Affordability

Investors can invest in unit trusts with relatively small amounts of money

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.

Onshore and 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

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

Cost-Efficient

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

Diversification

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

Benefits of Offshore and Onshore Investments.

Diversification of Risks

Investing in a mix of onshore and offshore assets can help to spread investment risk across different markets, asset classes, sectors, and currencies. This can help to reduce the impact of market volatility and unforeseen events on the overall performance of the portfolio.

Access to Different Investment Opportunities

Investing offshore can provide access to a wider range of investment opportunities that may not be available in South Africa, such as emerging markets or niche sectors. This can help to enhance the potential returns of the portfolio and reduce the impact of local economic or political factors.

Currency Diversification

Investing offshore can provide exposure to different currencies, which can help to manage currency risk and enhance returns. This is especially important for South African investors, as the rand can be volatile and subject to fluctuations in global currency markets.

Hedging Against Inflation

Investing offshore can provide a hedge against inflation, as the value of offshore investments may be less impacted by local inflationary pressures than onshore investments.

Access to Expertise

Investing offshore can provide access to high-quality investment managers with a wide range of expertise and experience in different markets and asset classes. This can help to ensure that the portfolio is well- managed and optimised for growth.

As part of our investment solution to create solution to suit our clients needs we have a choice of

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

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.

What other clients also insured

Employee Benefits

Good benefits can set your business apart and boost employee well-being. We cover five standard options, and our specialists can customize packages for you.

Education Planning

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.

Retention Plan

A Retention Plan is a way of incentivising and motivating current and future employees to remain within a company.