OUR INVESTMENT SOLUTIONS

LOCAL EQUITY FUND

The Personal Trust Equity Fund is a domestic, general equity portfolio. The investment objective of the portfolio is to seek long term capital growth through exposure to the South African equity market. It is suitable for investors with a high risk profile and a long-term investment horizon.

The Equity Fund’s goal is to provide investors with capital growth over the long term. The fund has full exposure to the South African equity market and carries a high risk profile.

FUND OBJECTIVE

  • To provide returns in excess of the JSE All Share Index over the long-term with lower than average risk of capital loss.

FUND FEATURES

  • Alternate, more efficient vehicle for clients with individual share portfolios due to CGT advantages
  • Suitable for investors seeking full exposure to the SA equity market
  • Focus on high quality businesses with good long-term prospects
  • Caters for clients who have a high risk profile with a long-term investment horizon

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ASSET ALLOCATION FUNDS

The Personal Trust Asset Allocation Funds invest in a wide variety of assets such as shares, bonds, listed property and cash both locally and offshore. The funds are suitable for investors who are saving for retirement. Personal Trust has four asset allocation funds to choose from depending on your investment objectives.

PERSONAL TRUST PRUDENT FUND OF FUNDS

The Personal Trust Prudent Fund of Funds is a multi-manager solution allowing investors to invest with a selection of top South African asset managers. The funds contain local and international securities in the equity, bond, money and property markets with the objective of achieving growth of inflation +5%. Flexible, medium to high risk investment with long-term capital growth.

FUND OBJECTIVE

  • To seek above-average returns with medium to high risk for investors, with active asset allocation, within the guidelines of Regulation 28 of the Pension Fund Act.

FUND FEATURES

  • Invests in a combination of funds containing predominantly domestic securities in the equity, bond, money and property markets
  • Asset allocation is maintained to reduce volatility of returns
  • Flexible, medium to high risk investment with long-term capital growth

MDD – FUND FACT SHEET
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PERSONAL TRUST CONSERVATIVE MANAGED FUND

The Personal Trust Conservative Managed Fund is a single manager fund best suited to retired investors drawing income from their portfolio. It has a low to medium risk profile and invests in a combination of local equities, property trusts, local and offshore bonds and cash. The asset allocation of the fund is biased toward a low equity exposure and has a full offshore weighting within the guidelines provided by Section 28 of the Pension Fund Act.

FUND OBJECTIVE

  • To seek long-term capital and income returns whilst being managed according to the guidelines provided by Regulation 28 of the Pension Fund Act.

FUND FEATURES

  • Best suited to retired investors drawing income from their portfolio
  • Invests in a combination of local equities, property trusts, local and offshore bonds and cash
  • It has a maximum equity exposure of 40%
  • Suitable for investors with a low to medium risk profile
  • Investment horizon in excess of five years

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PERSONAL TRUST MANAGED FUND

The Personal Trust Managed Fund is a single manager fund best suited to investors saving for retirement. It differs from the Conservative Managed Fund in that it has medium to high risk profile. It invests in a combination of local and foreign equities, property trusts, bonds and cash. The asset allocation of the fund is biased toward a full equity exposure within the guidelines provided by Section 28 of the Pension Fund Act.

FUND OBJECTIVE

• To seek above-average returns through exposure to a full equity weighting within the guidelines of Regulation 28 of the Pension Fund Act.

FUND FEATURES

• Suitable for investors saving for retirement
• Invests in a combination of local and foreign equities, property trusts, bonds and cash
• Will tend to have an increased probability to volatility in the short term due to high equity exposure therefore suitable for investors with a longer term investment horizon
• Suitable for investors with a medium to high risk profile

MDD – FUND FACT SHEET
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PERSONAL TRUST INCOME FUND

The Personal Trust Income Fund is a fixed interest solution which invests in traditional fixed income assets. The portfolio is actively managed by Prescient and Granate with the objective of securing an attractive return while protecting capital.

The Income Fund’s goal is to provide returns that exceed return on cash by more than 2% over the full interest rate cycle, while ensuring the security of the invested capital. The PT Income Fund carries a low risk profile.

FUND OBJECTIVE

  • To manage the interest rate cycle to obtain the highest possible yield whilst ensuring the security of the capital invested.

FUND FEATURES

  • Managed by Prescient & Granate
  • Suitable for investors with a low risk profile who are seeking managed exposure to income generating investments
  • Tactically managed to secure an attractive return while protecting capital
  • Recommended investment period is 12 months or longer

MDD – FUND FACT SHEET
QUARTERLY GENERAL INVESTOR REPORT

OFFSHORE FUNDS

At Personal Trust, we believe in the importance of diversification to reduce risk and volatility in portfolios. An investor should have exposure to a diverse mix of asset classes as well as a mix of assets from different geographical regions. This is particularly important when it comes to the management of retirement capital. Personal Trust has offshore mutual funds jointly managed by Brooks MacDonald Asset Management (International) and Credo Capital Plc.

PERSONAL TRUST GLOBAL SELECT MANAGERS CAUTIOUS FUND

Diversified international portfolio of funds, asset classes and currencies. It is a long-term US dollar denominated fund with a low to medium level of risk.

FUND OBJECTIVE

  • To achieve steady long-term capital growth with a moderate level of risk.

FUND FEATURES

  • Managed by Brooks MacDonald Asset Management (International) Ltd & Credo Capital Plc
  • Designed for investors seeking a moderate level of risk for the international portion of their portfolio
  • Ideal investor should have limited income requirements and the ability to tolerate a reasonable level of volatility
  • Investment horizon of three to five years

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PERSONAL TRUST GLOBAL SELECT MANAGERS OPPORTUNITIES FUND

Long-term US dollar denominated fund that invests in a diversified range of asset classes but with a strong bias for global equities. The fund will have an above-average risk profile.

FUND OBJECTIVE

  • To achieve long-term capital growth by investing in a diversified mix of asset classes and specialist managers within each asset class. The fund will have an above-average risk profile.

FUND FEATURES

  • Managed by Brooks MacDonald Asset Management (International) Limited & Credo Capital Plc
  • Designed for investors whose goal for the international portion of their portfolio is long-term capital growth
  • Ideal investor will have no income requirements and will be able to tolerate a high level of volatility
  • Investment horizon in excess of five years

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PERSONAL TRUST PTI GLOBAL SELECT MANAGERS OPPORTUNITIES FEEDER FUND

The Feeder Fund accesses the PTI Global Select Managers Opportunities Fund (USD), established under the PTI Mutual Fund PCC Limited domiciled in Guernsey. That scheme is managed by PTI Guernsey Limited, a wholly owned subsidiary of Personal Trust (Pty) Ltd.

Fund Objective

The objective of the Personal Trust PTI Global Select Managers Opportunities Feeder Fund is to offer investors the opportunity for offshore diversification and exposure to global markets. The objective of the underlying fund is to produce long term capital growth through investing in a diversified range of asset classes, but with a bias for equities.

Fund Features

The fund features are for the underlying fund, The PTI Global Select Opportunities Fund

  • Managed by Brooks MacDonald Asset Management (International) Ltd & Credo Capital Plc
  • Designed for investors whose goal for the international portion of their portfolio is long-term capital growth
  • Ideal investor will have no income requirements and will be able to tolerate a high level of volatility
  • Investment horizon in excess of five years

MDD – FUND FACT SHEET
QUARTERLY GENERAL INVESTOR REPORT

PERSONAL TRUST MANAGED FUND (TAX-FREE)

Personal Trust Managed Fund (Tax-Free) is an investment that allows natural persons that are South African residents to earn tax-free growth on their contributions to this unit trust. All returns earned on the invested contributions are free from South African tax on interest, capital gains and dividends.

All tax-free savings account contributions will be invested in the Personal Trust Managed Fund. This low cost single manager fund invests in a combination of local and foreign equities, property trusts, bonds and cash. It is designed to seek above-average returns (inflation + 6%) with a medium to high risk profile.

WHAT ARE THE LIMITS?

  • Annual contributions are limited to R36,000 per tax year
  • Unused amounts may not be rolled over
  • A lifetime contribution limit of R500,000 applies
  • Any contributions over-and-above the legislated limits will be subject to 40% ‘penalty’ tax
  • Reinvestment of returns or dividends will not count as contributions as long as they are not withdrawn and reinvested
  • Funds can be withdrawn however the value of the withdrawal will be deducted from the annual and lifetime limits.

MDD – FUND FACT SHEET
QUARTERLY GENERAL INVESTOR REPORT