Funds
Personal Trust Income Fund
The Personal Trust Income Fund is a fixed interest solution which invests in traditional fixed income assets, including money market, nominal bonds, inflation linked bonds and property.
Personal Trust has appointed Prescient and Granate to manage the underlying assets. Both managers have a track record of having met the fund’s cash plus objective over time. The Income Fund aims to provide investors with returns that exceed the return on cash by more than 2% over a full interest rate cycle (before fees) and protect capital over rolling 12 month periods. The Personal Trust Income Fund carries a low risk profile.
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Fund Objective
- To enable investors to achieve an enhanced cash return by investing in a diverse set of fixed income instruments.
- The fund aims to protect capital on a rolling 12 month cycle.
Fund Features
- Management outsourced to Prescient Investment Management & Granate Asset Management
- Suitable for investors with a low risk profile who are seeking managed exposure to income generating investments
- Actively managed to achieve an attractive return over cash while protecting capital
- Recommended investment period is 12 months or longer
Personal Trust Conservative Managed Fund
The Personal Trust Conservative Managed Fund is managed by Personal Trust and best suited to retired investors drawing income from their portfolio. It has a low to medium risk profile and invests in a combination of equities, listed property, bonds and cash, across local and offshore markets. The asset allocation of the fund is biased toward a low equity exposure and is managed within the guidelines provided by Section 28 of the Pension Funds Act
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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 and in accordance with the parameters of the ASISA Multi-Asset Low Equity category
Fund Features
- Best suited to retired investors drawing income from their portfolio
- Invests in a combination of equities, listed property, bonds and cash, in both local and offshore markets
- It has a maximum equity exposure limit of 40%
- Suitable for investors with a low to medium risk profile
- Investment horizon of three to five years
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 fund has local and offshore holdings in shares, bonds, listed property and cash. The fund has a medium to high risk profile with a long-term capital growth objective.
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Fund Objective
- The fund aims to achieve growth of inflation plus 5% over time.
- Medium to high risk profile, with active asset allocation, within the guidelines of Regulation 28 of the Pension Funds Act.
Fund Features
- Invests in a combination of balanced funds which are diversified across securities in the equity, bond, money and property markets, both locally and offshore.
- The combination of funds aims to provide diversification in terms of investment style and approach, with the aim of achieving the fund objective with a reduced level of volatility versus the peer group
- Medium to high-risk investment with long-term capital growth
Personal Trust Managed Fund
The Personal Trust Managed Fund is a single manager fund best suited to investors saving for retirement, as well as preserving capital within 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 offshore equity, listed property, bonds and cash. The asset allocation of the fund is biased toward a full equity exposure within the guidelines provided by Regulation 28 of the Pension Funds Act.
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Fund Objective
- To achieve inflation plus 5% through exposure to various asset classes within the guidelines of Regulation 28 of the Pension Fund Act.
Fund Features
- Suitable for investors saving for retirement, and for investors seeking growth in retirement
- Invests in a combination of local and offshore equities, listed property, bonds and cash
- Suitable for investors with a longer term investment horizon
- Suitable for investors with a medium to high risk profile
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 single manager fund is best suited to investors saving for retirement. It aims to achieve inflation plus 5% through exposure to local and offshore equities, listed property, bonds and cash. The asset allocation of the fund is biased toward a full equity exposure within the guidelines provided by Regulation 28 of the Pension Funds Act.
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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 reinvested and not withdrawn.
- Funds can be withdrawn however the value of the withdrawal will be deducted from the annual and lifetime limits.
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.
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Fund Objective
- The objective of the 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 across geographical region, but with a bias for equities. The fund has a medium to high risk profile.
Fund Features
The fund features are for the underlying fund, The PTI Global Select Opportunities Fund
- Designed for investors whose goal for the international portion of their portfolio is long-term capital growth
- An investor will have no income requirements and will be able to tolerate a high level of volatility
- Investment horizon in excess of five years
- The management of the fund is outsourced to Canaccord Asset Management (International) Limited and Credo Capital Plc, who manage the portfolio in accordance with the mandate provided by Personal Trust.
Personal Trust Equity Fund
The Personal Trust Equity Fund is a general equity portfolio. The investment objective of the portfolio is to seek long term capital growth through exposure to the local and offshore equity markets. It is suitable for investors with a high-risk profile and a long-term investment horizon.
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Fund Features
- To provide returns in excess of a composite benchmark comprising the JSE All Share Index (or Capped SWIX) and the MSCI World Index over the long-term.
- The fund aims to deliver competitive returns versus its peer group.
Fund Objective
- Suitable for investors seeking exposure to a portfolio which is invested in local and foreign equities.
- Caters for clients who have a high-risk profile with a long-term investment horizon
PTI Global Select Managers Cautious Fund
Long-term US dollar denominated fund with a low to medium level of risk. It is diversified across asset classes (equity, bonds, cash and property) and geographical regions.
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Fund Objective
- To achieve steady long-term capital growth with a moderate level of risk.
Fund Features
- Designed for investors seeking a moderate level of risk for the international portion of their portfolio
- An investor should have limited income requirements and the ability to tolerate a reasonable level of volatility
- Investment horizon of three to five years
- The management of the fund is outsourced to Canaccord Asset Management (International) Limited and Credo Capital Plc, who manage the portfolio in accordance with the mandate provided by Personal Trust.
PTI 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 has a higher risk profile than the PTI Global Select Managers Cautious Fund.
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Fund Objective
- To achieve long-term capital growth by investing in a diversified mix of asset classes across geographical regions. The fund has a medium to high risk profile.
Fund Features
- Designed for investors seeking long-term capital growth from the offshore portion of their portfolio
- An investor should have no income requirements and be able to tolerate a high level of volatility
- Investment horizon in excess of five years
- The management of the fund is outsourced to Canaccord Asset Management (International) Limited and Credo Capital Plc, who manage the portfolio in accordance with the mandate provided by Personal Trust.