Unit trustsDreams are different. Unique to your life, specific to your journey.
That’s why how you invest your money for those dreams is key.
At Old Mutual, we believe that investing should be designed around you, with your goals firmly at the centre.
       individual our solutions unit trusts

      What is a unit trust?

      A unit trust is a basket of a selection of listed securities - shares, bonds, property, cash or other asset classes - chosen by professional fund managers. The manager buys these securities on behalf of the fund, which is then split into equal units which are sold to investors. They enable investors to own many listed securities, as their money is pooled with other investors to achieve economies of scale.
      Our solutionsUnit trusts investments have the following advantages.
      • Affordable and Accessible: Because investors buy into a pool of funds, they can hold shares without having to lay out big amounts of capital. For as little as R500 a month, you can invest in Old Mutual Unit Trusts.
      • Diverse: Because a unit trust is a basket of diverse shares, this reduces the risk of investment risk.
      • Liquid: Investors can buy and sell shares on demand.
      • Safe: The fund is set up under a trust deed and the investor is a beneficiary under the trust company.
      Our solutions - Unit trusts
      Why invest in Unit trustUnit trusts use the combined money of investors to invest in global stock markets and economies. This money is managed by investment professionals, called portfolio managers, who buy shares and other asset classes on behalf of their clients, according to the unit trusts mandate. Whether you’re investing via our secure site or through your financial adviser, it is important that you understand what you are buying.

      • Unit trusts offer you the flexibility to tailor a portfolio that suits your specific investment needs and time horizon.
      • You can buy them direct or through a financial planner.
      • You can access the stock exchange without needing knowledge or experience of investing in equities.
      • The ability to diversify (spread) your investment across markets, sectors and economies greatly reduce your investment risk.
      • Money invested in unit trusts is easily accessible, especially in times of emergency.
      • Unit trusts are tax-efficient, providing tax exemptions on interest income and capital gains tax.
      • Unit trusts offer exciting capital growth opportunities over the medium to long-term.
      • Online transactional capability: you can buy, sell and switch units in your portfolio online.
      two men shaking hands      Make money on your moneyDid you know that when investing, your money is working for you through a simple concept called compounding growth?

      COMPOUND GROWTH

      If you leave your investment for a long period of time, the investment not only grows each year, but grows exponentially. The interest is called compound interest, and is the key to long-term growth and wealth.

      Compounding simply means making on your original investment as well as on the gains made the following years (i.e. growth on growth over time). In short, as your money makes money, so it should make more, a relatively simple concept that, over time, Is hugely beneficial.

      Individual compound interest graph
                                      Helping you achieve your goalsYour Goals. Our Solutions.

                                      How do I invest money or make my first million? We all want something out of life - a car, a house, dream wedding, acting your own business, or a holiday. To get this, we need to invest.

                                      Your Goals. Our Solutions.
                                      Tools to help guide youThe Tools give you some insight into what type of investor you are. It is not sufficiently comprehensive to qualify as investment advice and you should consult your Old Mutual Personal Financial Planner or broker for more information.INVESTRIGHT™

                                      What will it cost me?

                                      InvestRight is a simple, interactive and free guide to help establish how much a person will need to save and invest to meet their financial goals, be they short-, medium- or long term. All you need to do, is answer five simple questions.

                                      Investright                                      EFFECTIVE ANNUAL COST CALCULATORSIMPLE. INTERACTIVE. FREE

                                      What will it cost me?

                                      The Effective Annual Cost (EAC) is a measure which has been introduced to allow you to compare the charges you incur and their impact on investment returns when you invest in different Financial Products. It is expressed as an annualised percentage. The EAC is made up of four components. The effect of some of the charges may vary, depending on your investment period. The EAC calculation assumes that an investor terminates his or her investment in the Financial Product at the end of the relevant periods shown in the table. Please note this illustrator does expire. An updated version will be available for download on 28 February 2020.

                                      Business man with two clients                                      INVESTMENT SELECTORSIMPLE. INTERACTIVE. FREE

                                      What funds best suit my needs?

                                      This Fund Selection Tool gives you some insight into what type of investor you are. It is not sufficiently comprehensive to qualify as investment advice and you should consult your Old Mutual Financial Planner or Broker for more information.

                                      INVESTMENT SELECTOR
                                          Complete your application onlineIt's easier than ever to invest.

                                          Time is money and we’re not about to waste yours. With our swift and simple online application process, you can apply to invest from your work desk, from home or even when you’re on vacation – whenever it suits you best.

                                          Online application