How it works

A unit trust is the ideal solution for you if you want to invest a relatively small amount of money in shares and bonds that you wouldn’t otherwise have access to.

• Start by investing a monthly amount or lump sum with Smart Invest.
• Our experts will use your investment to buy a selection of top-performing shares and other assets on your behalf to create an investment portfolio.
• The finished portfolio is split into many equal slices called units. These units are divided among you and fellow investors according to the amount each investor contributed.
• When the companies that our experts invested in perform well, your money will grow and generate a return. In time, those returns have the potential to generate real wealth.

The benefits

Sanlam Investments’ Unit Trusts enable you to:

• Start investing from only R500 per month
• Invest in top companies without spending a fortune
• Have professionals manage your investments on your behalf
• Enjoy peace of mind that your investment is protected against potential fall in the value of a single share

Tax-free vs. standard unit trusts ?

A tax-free unit trust is pretty much like any normal unit trust, except that you don’t pay any tax on your interest, dividends earned, or capital gains. The fact that you don’t have to pay tax on the growth of your investment makes this a far more effective way to reach your goals.

The tax benefit is limited to a maximum investment amount of R33 000 per tax year or R500 000 over a lifetime. Investing tax-free is an effective tool in developing a long-term investment strategy – the longer you invest for, the more you’ll see the benefits of compound interest kick in.

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