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Unit Trusts

Take control of your financial future through our range of unit trust investments.

Whatever your investment goal, we can help you create and grow your investment portfolio through our range of unit trusts. By investing in a Sanlam unit trust, you gain access to the expertise of South Africa’s top investment managers.

You don’t have to invest a lot of money or spend time to understand and navigate the share markets yourself. Our dedicated investment team has the proven skills to manage risks and to create consistent, sustainable performance.

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Invest from R500 per month.

About Unit Trust

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About Unit Trusts

A unit trust enables you to access and benefit from investments you wouldn’t necessarily have access to.

A unit trust is an investment product that pools the money of many investors and then invests the money in a variety of assets, such as blue chip shares on the JSE, government bonds and listed property. By pooling your resources with many other investors, you can access investments that you may not normally have been able to access on your own.

There are various unit trust options that cater to different needs. If you want a low risk investment, you can select a unit trust that invests in the money market or cash. Long-term investors who need capital growth and who can afford to take on higher risk can select a unit trust that invests in shares on the JSE. Experienced investment managers manage the portfolio with a core focus on maximising returns. They make their decisions based on extensive research. Unit trusts are also well protected in South Africa and regulated by government legislation and industry standards.

Sanlam offer a wide selection of unit trust funds, ranging from conservative low-risk funds to aggressive higher-risk funds, which have produced excellent long-term performance. Our funds invest in all asset classes, including shares, property, government and corporate bonds, cash, and offshore investments. This means you can choose the right unit trust fund to meet both your investment return and risk requirements.

Fund Offering

Choose a unit trust that suits your needs.

When selecting a unit trust, you need to first consider your personal goals and determine where you are positioned on the risk scale. Ranging from conservative to aggressive, the risk scale outlines the different investor personalities to help you determine which fund is most suitable for you.

Low Risk
High Risk
Conservative
You are very careful and want to protect your capital.
Cautious
You'd prefer not to take risks, but can be persuaded.
Moderate
You're willing to take risks with some of your assets.
Moderate Aggressive
You understand the long-term risk/return trade-off.
Aggressive
You're willing to risk more for maximum returns.
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There's nothing wrong with being a conservative investor. Generally, this means that you're reluctant to lose any of the money you put away, even if it means making a smaller return on your investments. Your longer-term return should still be a healthy 1% to 2% per annum above inflation.

Sanlam Investment Management Managed Conservative Fund of Funds
Sanlam Investment Management Active Income Fund

Being a cautious investor means that you're willing to accept a small amount of risk for a short-term loss on your initial investment. On the flip-side, your longer-term returns should be between 3% and 4% per annum above inflation.

Sanlam Investment Management Managed Cautious Fund of Funds
Sanlam Investment Management Inflation Plus Fund

As a moderate investor, you are willing to accept a bit more risk in the short term, followed by probable returns of between 4% and 5% per annum above inflation in the future.

Sanlam Investment Management Managed Moderate Fund of Funds
Sanlam Multi Management Moderate Fund of Funds

As a moderately aggressive investor, you probably believe that risk and reward go hand-in-hand. A higher level of risk on your investment should result in higher returns of about 5% per annum above inflation.

Sanlam Investment Management Managed Moderate Aggressive Fund of Funds
Satrix Balanced Index Fund

If you're an aggressive investor, you're here to make as much of a return on your investment as possible, no matter the risk. If you're comfortable with high short-term risks, for probable long-term returns of 6% to 7% per annum above inflation, aggressive investing is for you.

Sanlam Investment Management Managed Aggressive Fund of Funds
Sanlam Investment Management General Equity Fund

For more information, view our daily prices.

Although all reasonable steps have been taken to ensure the information on this website is accurate, the Sanlam Collective Investments (RF) (Pty) Ltd / Satrix Managers (RF) (Pty) Ltd (“Sanlam Collective Investments”)/(“Satrix”) does not accept any responsibility for any claim, damages, loss or expense; however it arises, out of or in connection with the information. No member of Sanlam gives any representation, warranty or undertaking, nor accepts any responsibility or liability as to the accuracy of any of this information. The information to follow does not constitute financial advice as contemplated in terms of the Financial Advisory and Intermediary Services Act. Use or rely on this information at your own risk. Independent professional financial advice should always be sought before making an investment decision.

Sanlam Group is a full member of the Association for Savings and Investment SA. Collective investment schemes are generally medium- to long-term investments. Please note that past performances are not necessarily an accurate determination of future performances, and that the value of investments / units / unit trusts may go down as well as up. A schedule of fees and charges and maximum commissions is available from the Manager, Sanlam Collective Investments (RF) Pty Ltd / Satrix Managers (RF) (Pty) Ltd, a registered and approved Manager in Collective Investment Schemes in Securities. Additional information of the proposed investment, including brochures, application forms and annual or quarterly reports, can be obtained from the Manager, free of charge. Collective investments are traded at ruling prices and can engage in borrowing and scrip lending.

Collective investments are calculated on a net asset value basis, which is the total market value of all assets in the portfolio including any income accruals and less any deductible expenses such as audit fees, brokerage and service fees. Actual investment performance of the portfolio and the investor will differ depending on the initial fees applicable, the actual investment date, and the date of reinvestment of income as well as dividend withholding tax. Forward pricing is used. The Manager does not provide any guarantee either with respect to the capital or the return of a portfolio. The performance of the portfolio depends on the underlying assets and variable market factors. Performance is based on NAV to NAV calculations with income reinvestments done on the ex-div date. Lump sum investment performances are quoted. The portfolio may invest in other unit trust portfolios which levy their own fees, and may result is a higher fee structure for our portfolio. All the portfolio options presented are approved collective investment schemes in terms of Collective Investment Schemes Control Act, No 45 of 2002 (“CISCA”). International investments or investments in foreign securities could be accompanied by additional risks such as potential constraints on liquidity and repatriation of funds, macroeconomic risk, political risk, foreign exchange risk, tax risk, settlement risk as well as potential limitations on the availability of market information.

The Manager has the right to close any portfolios to new investors to manage them more efficiently in accordance with their mandates. The portfolio management of all the portfolios is outsourced to financial services providers authorized in terms of the Financial Advisory and Intermediary Services Act, 2002. Standard Bank of South Africa Ltd is the appointed trustee of the Sanlam Collective Investments Scheme/ Standard Chartered Bank is the appointed trustee of the Satrix Managers Scheme. A money market portfolio is not a bank deposit account. The price is targeted at a constant value. The total return to the investor is made up of interest received and any gain or loss made on any particular instrument and in most cases the return will merely have the effect of increasing or decreasing the daily yield, but that in the case of abnormal losses it can have the effect of reducing the capital value of the portfolio. Excessive withdrawals from the portfolio may place the portfolio under liquidity pressures and in such circumstances a process of ring-fencing of withdrawal instructions and managed pay-outs over time may be followed. A feeder fund is a portfolio that invests in a single portfolio of collective investment schemes, which levies its own charges and which could result in a higher fee structure for the feeder fund.

Forms

View, print and complete the form of your choice.

Email or fax the completed form to UTinstructions@sanlaminvestmentssupport.com or 0860 724 467

Application Form – Individual Investors (new investors only) ENG
Application Form – Non-Individual Investors (new investors only) ENG
Application Form – Tax-Free Unit Trusts (new investors only) ENG  |  AFR
Additional Investment Form (existing investors) ENG
Cession Form ENG  |  AFR
Declaration to Confirm Residential Address ENG  |  AFR
Dividends Tax Form - DTD(EX) - Exemption from tax ENG  |  AFR
Dividends Tax Form - DTD (RR) - Reduced rate of tax ENG  |  AFR
FICA Individual ENG  |  AFR
FICA Non Individual Legal Entities ENG  |  AFR
Investor Details Update Form ENG  |  AFR
Disinvestment Form ENG  |  AFR
Switching Form ENG
Transfer Form ENG
Withholding Tax on Interest Declaration Form (WTI) ENG  |  AFR
Tax information addendum ENG  |  AFR
Tax information addendum - Entities ENG
Tax information addendum - Individuals ENG

No matter what your investment or aspiration, there's a unit trust to meet your requirements.

Call us or email us for details.

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