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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
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.
Affordability
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
Managed by professional fund managers, unit trusts benefit from expert investment management, ensuring informed decisions in portfolio selection and asset allocation
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:
01
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.
02
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.
03
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.
04
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
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
Multi-Manager Investments
Mont Blanc Financial Services also offers its unique range of Multi Manger Funds under the MBFS label structured according to inflation-beating returns. These portfolios offer some of the most cost-effective and lowest fees in the market.
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
As part of our investment solution
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.
Frequently Asked Questions
What is Unit Trust Insurance, and how does it work?
Unit trust insurance combines investment potential with insurance protection. You invest in a unit trust, and a portion of your premiums goes towards insurance cover. The unit trust grows or shrinks based on market performance, while the insurance provides a guaranteed benefit in case of death, disability, or critical illness.
What are the benefits of having Unit Trust Insurance?
Are there any risks involved with Unit Trust Insurance?
- Market fluctuations: The value of your investment can fluctuate, meaning you could lose money if the market performs poorly.
- Insurance costs: The insurance portion comes with additional fees, so the overall cost might be higher than traditional insurance.
- Long-term commitment: Unit trust insurance is typically a long-term investment, so it's crucial to be comfortable with the commitment and understand the exit fees.
How do I choose the right Unit Trust Insurance for me?
It's important to consult with a financial advisor who can assess your individual needs, risk tolerance, and financial goals. They can help you choose the right unit trust and insurance cover to fit your specific situation.
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