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This site is for private investors. We recommend that you seek independent financial advice to ensure our Funds are suitable for your investment needs. Please remember capital is at risk and past performance is not a guide to the future.

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Flexible solutions to help you meet your goals

Are you buying a house, planning a holiday or saving for your children’s education? We have a range of flexible and tax-efficient solutions to help you meet your goals.

Unit trust

A unit trust gives you cost-effective access to a range of funds across asset classes. You can invest from as little as R500 a month and access your money whenever you want.

Tax free savings account

Maximise the long-term growth of your savings by benefitting from tax-free investment growth – both the growth and income you receive on your investment are tax free.

Investec Access

This tax-efficient endowment gives you access to a range of local and offshore funds with the flexibility of regular withdrawals after five years, helping you meet your long-term savings goals.

Unit trust


What is a unit trust?

A unit trust enables investors to get access to professionally managed investments by buying a portion of a fund, also known as units.

Here’s how it works:

What you do

  • Select one or more funds from Investec range of funds (Investec Fund Managers) - View our Core Fund range
  • Make a once-off and / or monthly investment in the fund
  • The minimum amount will depend on the fund

What you get

  • Each unit has a price, so how many units you get will depend on how much you invest

What happens with your money

  • The fund managers, in this case Investec, invest your money in a portfolio of assets such as equities, bonds, cash and listed property, based on your fund selection.
  • We then manage the investment on your behalf according to the fund’s objectives, for example, beating inflation over a certain time period, this determines the return on your investment.

The benefits of investing in a unit trust

  • Cost-effective access to professional fund management and the markets
  • Access your money within three business days, depending on your bank
  • Flexibility around how long you stay invested for
  • You can buy or sell whenever you like
  • Well-regulated, which protects investors
  • Transparent pricing and performance – unit trust prices are published daily
Invest now

Investment amount

  • Min: R500
  • Max: No limit

Investment term

  • No limits

Tax implications

Income tax

  • Levied at your marginal rate
  • For investors 65 and under – no tax on the first
    R23 800 interest per year
  • For investors over 65 – no tax on the first R34 500 interest per year

Capital gains tax

  • Individuals – 40% of any gain is taxed at the investor’s marginal rate
  • Trusts – 80% of any gain is taxed at 45%
  • Companies – 80% of any gain is taxed at 28%
  • All tax is levied in the hands of the investor
  • First R40 000 gain p.a. is tax exempt for individuals

Tax free savings account


What is a TFSA?

With a TFSA from Investec Investment Management Services, both the growth and income you receive on your investment are tax free - no capital gains tax (CGT) and no income tax are levied on the dividends and interest received.

Here’s how it works:

What you do

  • You select one or more funds from the Investec range of funds (Investec Fund Managers) - View our Core Fund range
  • You make a once-off and / or monthly investment into your TFSA account

What happens with your money

  • The fund managers, in this case Investec, invest your money in a portfolio of assets such as equities, bonds, cash and listed property, based on your fund selection.
  • We then manage the investment on your behalf according to the fund’s objectives, for example, beating inflation over a certain time period, this determines the return on your investment.

The benefits of investing in a TFSA

  • As TFSAs are not subject to income or capital gains tax, they provide a convenient and flexible way to accumulate savings over time.
  • Parents can invest on behalf of minors (withdrawals must be paid into a bank account in the minor’s name).
Invest now

Investment amount

Minimum

  • Lump sum: R10 000
  • Monthly: R500

Maximum

If you exceed the maximum investment amounts, you will be subject to 40% tax. These limits are:

  • R2 750 per month
  • R33 000 per tax year
  • R500 000 over your lifetime

If you withdraw money from an existing TFSA and re-pay it into any of these accounts, it will be seen as a new contribution and use a portion of your tax free limits.

Investment term

  • No limits

Tax implications

  • TFSAs are exempt from tax on dividends and capital gains

Investec Access (endowment)


What is Investec Access?

This tax-efficient solution can help you meet your medium- to long-term savings goals. It offers extensive tax benefits for investors with a tax rate of more than 30% and allows you to make regular withdrawals after five years.

Here’s how it works:

What you do

  • You select one or more funds from the list of funds available - View our Core Fund range
  • You make a once-off and / or monthly investment

What happens with your money

  • The fund managers, in this case Investec, invest your money in a portfolio of assets such as equities, bonds, cash and listed property, based on your fund selection.
  • We then manage the investment on your behalf according to the fund’s objectives, for example, beating inflation over a certain time period, this determines the return on your investment.

The benefits of investing in Investec Access

  • One interest free loan and one surrender during the first five years (subject to limits – premium/contributions made plus 5% compound interest per year)
  • Regular withdrawals after five years
Invest now

Investment amount

  • Min: R1 000
  • Max: no limit

Investment term

  • Min: 5 years
  • Max: no limit

Tax implications

  • Withdrawals are treated as capital reductions and are therefore not subject to income tax. They may be subject to capital gains and income tax savings
  • Depending on your marginal income tax rate, you may benefit from capital gains tax
  • If you make regular withdrawals to supplement your annuity income, the annuity income can be reduced. Because annuity income is subject to tax at your marginal rate, this will reduce your income tax liability

You can invest in a solution in one of three ways

Invest through a financial advisor

Getting expert advice about your investment choices can give you financial peace of mind. We have a list of financial advisors from across the country who have the appropriate qualifications and licences to help you make informed investment choices.

Start a new online investment

If you are sure this is the appropriate solution for you, you can invest directly online using our convenient online form.

If you don’t yet know which funds you want to choose as your underlying investments, view our core funds (Investec Fund Managers).

Are you an existing investor?

If you are already invested with us then the simplest way to invest is via your online account.

Simply login below to ensure all your investments are managed together.

You can invest in a solution in one of three ways

Invest through a financial advisor

Getting expert advice about your investment choices can give you financial peace of mind. We have a list of financial advisors from across the country who have the appropriate qualifications and licences to help you make informed investment choices.

Start a new online investment

If you are sure this is the appropriate solution for you, you can invest directly online using our convenient online form.

If you don’t yet know which funds you want to choose as your underlying investments, view our core funds (Investec Fund Managers).

Are you an Existing investor?

If you are already invested with us then the simplest way to invest is via your online account.

Simply login below to ensure all your investments are managed together.

You can invest in a solution in one of two ways

Invest through a financial advisor

Getting expert advice about your investment choices can give you financial peace of mind. We have a list of financial advisors from across the country who have the appropriate qualifications and licences to help you make informed investment choices.

Are you an Existing investor?

If you are already invested with us then the simplest way to invest is via your online account.

Simply login below to ensure all your investments are managed together.