CUSTOMISED FINANCIAL SOLUTIONS

Personal Trust provides personal, professional investment management, financial planning and ancillary financial services to clients and their families. Our full range of services gives us a holistic view of each client’s current situation so we can customise a solution specific to their needs.

OUR FINANCIAL SERVICES INCLUDE:

OUR FINANCIAL SERVICES INCLUDE:

INVESTMENT MANAGEMENT

At Personal Trust, we aim to protect and grow our clients’ capital over the long term. We have an experienced investment team who target consistent and competitive investment performance through a robust decision-making process, led by our Investment Council.

The Investment Council guides the investment process ensuring the alignment of investment solutions with client needs. Our product offering covers the full spectrum of asset classes and risk profiles, both locally and offshore.

We offer an in-house local and offshore range of unit trusts which provides a cost effective investment solution for our clients.

Clients also have access to an approved list of external unit trust funds. This list is compiled by our Investment Council following a rigorous due diligence process.

We can create and actively manage individually tailored share portfolios.

OUR INVESTMENT SOLUTIONS

The Personal Trust range of unit trust funds provides an efficient platform through which our fund managers can manage assets on behalf of investors. Unit trusts are highly regulated, transparent, and cost-effective investment vehicles.

LOCAL EQUITY FUNDS

ASSET ALLOCATION FUNDS

FLEXIBLE INCOME FUNDS

OFFSHORE FUNDS

TAX FREE SAVINGS ACCOUNTS

FINANCIAL AND RETIREMENT PLANNING

Regardless of your age or stage in life, it is never too early to consider your financial and retirement plan.

A focused and appropriate financial plan is a critical first step in ensuring your short and long-term financial goals are in line with your life plan. This plan should be constantly reviewed as your financial priorities change during the course of your life. We will assist in structuring this plan and reviewing it on an ongoing basis, ensuring you are on track to meet your financial goals.

Pre and post retirement planning is an essential part of our service offering and forms a large part of the work we do for our clients, and have done for the last 40 years.

FINANCIAL AND RETIREMENT PLANNING

Regardless of your age or stage in life, it is never too early to consider your financial and retirement plan.

A focused and appropriate financial plan is a critical first step in ensuring your short and long-term financial goals are in line with your life plan. This plan should be constantly reviewed as your financial priorities change during the course of your life. We will assist in structuring this plan and reviewing it on an ongoing basis, ensuring you are on track to meet your financial goals.

Pre and post retirement planning is an essential part of our service offering and forms a large part of the work we do for our clients, and have done for the last 40 years.

ESTATE PLANNING

On death, effective structuring and planning of your estate ensures smooth succession of assets to the people and organisations that you care most about. It provides protection for your heirs, especially those who are less able to look after themselves.

An effective estate plan further ensures that estate duty, taxes and other costs are minimised on death while at the same time ensuring sufficient liquidity to cover costs and other liabilities on death.

Every family situation is unique and requires its own plan. We can assist with a detailed assessment of your financial position on death, structuring of your Will, setting up and administering of a Trust or applying other estate planning tools where appropriate.

MONEY MARKET

Our Money Market facility offers clients a full range of short- to long-term Money Market investments. Because of the size of our book, we are able to attract higher interest rates than those available to individuals over the counter from any of the major banks.

All investments are dealt with on an agency basis by Personal Trust Nominees (Pty) Ltd. and are protected by the provisions of the Financial Institutions Act. For as little as R10 000 you can enjoy large volume syndicated rates – you don’t have to be an existing Personal Trust client, nor are you obliged to use any of our other services.

MONEY MARKET

Our Money Market facility offers clients a full range of short- to long-term Money Market investments. Because of the size of our book, we are able to attract higher interest rates than those available to individuals over the counter from any of the major banks.

All investments are dealt with on an agency basis by Personal Trust Nominees (Pty) Ltd. and are protected by the provisions of the Financial Institutions Act. For as little as R10 000 you can enjoy large volume syndicated rates – you don’t have to be an existing Personal Trust client, nor are you obliged to use any of our other services.

FIDUCIARY SERVICES

In keeping with Personal Trust’s philosophy to provide our clients with personal attention and tailor-made financial solutions, our team of fiduciary specialists offer professional fiduciary services including: Formation and administration of Trusts, Drafting and safe custody of Wills, Administration of Deceased Estates.

FORMATION AND ADMINISTRATION OF TRUSTS

DRAFTING AND SAFE CUSTODY OF WILLS

ADMINISTRATION OF DECEASED ESTATES

TAX

Given the legislative changes and the complexities relating to tax return completion and submissions, Personal Trust is able to assist through our professional tax service. Whether you’re an individual, a trust or a company, we can assist with general tax planning, annual and provisional tax returns and all transactions with the South African Revenue Services.

OFFSHORE FINANCIAL SERVICES

Personal Trust Isle of Man (IoM) is a wholly owned subsidiary of Personal Trust. Through our representative office in London, we are able to create individually tailored and managed investment portfolios that meet our clients’ needs through investment with trusted Fund Managers. All advice and recommendations are given via our South African representatives.

The administration in placing and monitoring the investments is carried out by the Isle of Man office. We are able to draft Wills covering worldwide assets and offer the formation and administration of Trusts in the Channel Islands. We also service our clients’ offshore requirements including assistance with establishing bank accounts in the Channel Islands, ad hoc financial advice and assistance with the movement of funds between South Africa and overseas.

FUND PRICES

Personal Trust Unit Trust Fund prices are listed below. The fund prices are updated daily in arrears.

We are currently experiencing technical difficulties with the fund prices. We are working on resolving the problem. Apologies for the inconvenience.