Unit trusts

Unit trustsEver wondered how you become financially savvy? A good place to start is to save. With a unit trust investment from 1Life you get exposure to the Johannesburg Stock Exchange (JSE) for as little as R500 a month without any experience in shares or trading. Invest today to make tomorrow’s dreams a reality. This is how it works.

Why unit trusts from 1Life Investments?

  • You can invest from as little as R500 per month
  • Sanlam investment managers will manage your investments for great returns
  • We offer you a wide range of investment portfolios to choose from, dependent on your risk appetite
  • You can apply telephonically, there are no written application forms
  • Easy access to your funds with just 5 days’ notice

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What is a unit trust?Unit trusts are managed, collective investments where the funds of a number of investors, like you, are pooled and invested on local and foreign stock exchanges by a management company. Experienced fund managers invest on your behalf into equities, bonds, property, cash or a combination of these, depending on the fund you choose and your risk appetite.

Why unit trusts?Unit trusts are a great investment option for a number of reasons:

  • You don’t need a lot of money or expert knowledge to gain exposure to some of the JSE’s top companies
  • You can diversify your risk across a range of companies and assets
  • You have quick and easy access to your funds at any time with just 5 days’ notice

How do I invest in unit trusts from 1Life?

  • Contact us on 0860 10 57 66 to start saving today
  • Choose your fund and premium option (monthly, once-off lump sum or a combination of both
  • Start investing for the future! It is that simple.

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How would you like to invest today? Read about the different funds we have to offer and find the one that best suits your risk profile. If you are a cautious investor or if you prefer to invest more aggressively for a potential higher rate of return, Sanlam Investment Management has the fund to match your risk profile.

For the cautious investor
The fund aims to deliver a high level of income with moderate capital growth targeting CPI+3% over any rolling 3-year period. A maximum of 40% of the portfolio will be invested in equities (both local and offshore). This fund is Reg. 28 compliant and may hold up to 25% of its assets offshore. View fund fact sheet
For the conservative investor
Money market funds aim to provide investors with a safe place to invest easily accessible cash-equivalent assets in a low-risk, low-return investment. The fund aims to deliver a higher level of income than fixed deposits and call deposits over time. Capital preservation is of primary importance and the fund offers immediate liquidity. The fund has no offshore exposure. The fund invests in a range of money market instruments, which include negotiable certificates of deposit, bankers’ acceptances, debentures, treasury bills and call accounts. The fund may only invest in money market instruments with a maturity of less than one year. View fund fact sheet
The SIM Active Income Fund invests mainly in interest bearing assets including corporate and government bonds and money market instruments and may have limited exposure to listed property shares. No assets are invested offshore. The fund manager will actively change the types of interest bearing assets and listed property shares depending on the changing market conditions e.g. changes in interest rates or inflation. The fund aims to provide a high level of income (consisting of interest and rentals from property) and modest capital growth. It also has a strong focus on preserving capital invested. The fund is Reg. 28 compliant. View fund fact sheet
The fund aims to deliver a high level of income with moderate capital growth by targeting CPI+2% over any rolling 3-year period – or in other words growth that is 3% above inflation. A maximum of 20% of the portfolio will be invested in equities (both local and offshore). This fund is Reg. 28 compliant and may hold up to 25% of its assets offshore. View fund fact sheet
For the moderate investor
The fund aims to deliver long term capital growth with less volatility than an equity fund. A maximum of 40% - 60% of the portfolio will be invested in equities at any time (both local and offshore). This fund is Reg. 28 compliant and may hold up to 25% of its assets offshore. View fund fact sheet
For the aggressive investor
The fund aims to deliver long term capital growth with less volatility than an equity fund. A maximum of 60% - 75% of the portfolio will be invested in equities at any time (both local and offshore). This fund is Reg. 28 compliant and may hold up to 25% of its assets offshore. View fund fact sheet

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The Truth About MoneyAt 1Life we know that your future is written in how you manage your money. But we also know that South Africans do not always have the money management skills they need to build the future of their dreams. That is why we launched The Truth About Money.

The Truth About Money makes money management services and training available to 1Life policyholders at no charge. These services include the following:

Debt counsellingIf your debt has become unmanageable and you are struggling to make ends meet, The Truth About Money can help! You can register for telephonic debt management and debt counselling services on the Truth About Money website.

Estate mediationBecause we know how important it is to have your affairs in order, we will help you draft a will for yourself and your spouse or set up a trust for minor beneficiaries. You can also apply for legal advice and mediation if you need help winding up the estate of a relative.

Financial education courseFinancial education is the key to your financial freedom. The Truth About Money offers you access to a digital Financial Education course that you can complete at your own pace at any Boston Campus nationwide. Apply today!

Online advice and informationDo you want to learn more about how you can take control of your finances? Visit our website for tools, tips, news and views!

All of these services are available to successful applicants and 1Life policyholders at no charge!

Visit The Truth About Money website to learn more and register.