The first rule of investing is never put all your eggs in one basket. That's what we mean when we talk about asset allocation. And here's the good news for investors who don't want to do this themselves. There's a type of unit trust that'll do it for you: Prudential fund unit trusts.
What is a prudential fund unit trust?
Prudential funds (also known as balanced funds) are among the oldest o... ››› more
Most investors think figuring out which is the best unit trust to invest in is the only thing they need to consider. But that's not true! Before getting involved in any investment, you need to consider how the tax on it works. When it comes to unit trust investing, these two taxes apply…
SARS levies two taxes on all forms of unit trust investing
As the experts at Equinox explain, there ar... ››› more
Retirement is tough! You need to live on a tight budget with little hope of generating more income unless you carry on working or invest smartly. But when it comes to the latter, there's no better unit trust for retirees to invest in than an enhanced income fund unit trust. Here's why…
What is an enhanced income fund unit trust and how is it different from an income fund?
Enhanced income ... ››› more
So you've decided to invest in unit trusts. That's great. But with the thousands available out there, how do you buy good unit trust? That decision ultimately rests on you, but remembering these five things can help you narrow down your choices…
Successful unit trust investing starts by remembering these five crucial factors
Unit trust investing tip #1: Assess where you are and where you ... ››› more
When it comes to fund manager strategies, you'll often come across the terms top-down and bottom-up to describe how he picks his investments. But here's the thing most unit trust investors don't know: You can use the same technique to decide which is the best unit trust to invest in…
What does top-down, bottom-up actually mean?
As we explain here, ‘top down’ and ‘bottom up’ strate... ››› more
Before you decide which is the best unit trust to invest in, you first need to decide whether unit trust investing is the right strategy for your portfolio. How will you know this? Today, we explain…
Ask yourself these three questions to discover whether unit trust investing is right for you
#1: What is your time horizon?
If you’re the kind of investor who’s looking for quick, in-... ››› more
Picking the best unit trust to invest in can be tough. There are SO many to choose from, it's hard to know where to start. Luckily, there's a good start pointing. And, when you know how to read it, you'll be able to pick out the good unit trusts from the bad…
Look at the Unit Trust Performance Table to find the best unit trusts to invest in
Just like a share’s daily performance is liste... ››› more
Unit trust are highly popular investment vehicles here in South Africa. But with so many unit trusts to choose from, how do you know which is the best unit trust to invest in? Your starting point, is to understand what types of unit trusts are out there…
What is a unit trust?
Put simply, a unit trust is a trust that manages a portfolio of stock exchange securities in which small investors... ››› more
Money-market funds are cash-based unit trusts that invest money in low risk instruments such as government treasuries, banks, financial institutions or blue chip companies. Their objective is to attain a level of profit without any undue risk and capital loss. But when it comes to investing in this type of unit trust, how do you pick the right one?
Experts warn: Beware of choosing a money marke... ››› more
When it comes to property investing, many people believe that getting involved is simply too expensive. But that's not actually true. Thanks to property unit trusts, you can start investing in property without needing a BIG amount of money. And since they've returned 20% a year, on average for the last decade, you should definitely consider them as part of your portfolio. Today we'll show you why?... ››› more
If you're looking to invest in a tracker fund, then you have two choices at your disposal. You can opt for an exchange traded fund that tracks an index. Or you can opt for a unit trust fund that tracks an index. So what's the difference? And which one is better suited to you? Let's take a closer look…
The difference between a tracker unit trust and a tracker ETF
The aim of tracker unit trus... ››› more
If you want to invest in unit trusts, you can either opt for an active fund or a passive fund. Active funds generally have higher fees, but with that comes the promise of better performance. Passive funds aim to track the performance of the market. Their fees are lower than active funds. Even though active funds promise better performance that comes with higher fees. So passive funds can be a good... ››› more
As a consumer, you use a wide array of financial products. You buy insurance for your car and house. And chances are you have a bond on your home. But when it comes to shares, the very thought of selecting a few to invest in can put many people off. But that's where unit trusts come in. They do the picking for you. Let's take a closer look at the basics of unit trusts…
What is a unit trust fun... ››› more
“How much of my portfolio should I invest in unit trusts or shares?” That's the question on nearly every South African investor's mind. The answer to it, however, is different from person to person based on a number of factors such as: How much capital you have? How risk-averse you are? If you're still working or are retired? Whether or not you are trying to diversify your portfolio? And what ... ››› more
Money-market funds are cash-based unit trusts that invest money in low risk instruments such as government treasuries, banks, financial institutions or blue chip companies. This said, a money-market fund's objective is still to attain a level of profit without any undue risk and capital loss. But are they good investments and what are the risks involved? Today, we explain…
Three benefits of i... ››› more
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Remember: Never invest more than you can afford to spare and that the value of any investment, and the income derived from it, can go down as well as up. The past is not necessarily a guide to future performance.
Editors or contributors may have an interest in investments commented on in this newsletter. However they have signed restraints to prevent the abuse of their position as contributors to this publication.