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    Terms and Conditions

    MandG Investments Unit Trusts South Africa (RF) Ltd (Registration number: 1999/005242/06) is an approved CISCA management company (#29). MandG Investments Life South Africa (RF) Ltd (Registration number: 2008/013338/06) is an approved long-term insurer under the Insurance Act, portfolio assets are managed by MandG Investment Managers (Pty) Ltd (Registration number: 2013/051515/07), which is an approved discretionary Financial Services Provider (#45199) for the M&G SA group. MandG Investments Unit Trusts (Namibia) Ltd (Registration Number: 2007/609) is an approved unit trust Management Company and a subsidiary of MandG Investments (Namibia) (Pty) Ltd (Registration Number: 1996/185) and performs the asset management for MandG Investments Unit Trusts (Namibia) Ltd. These companies are herein collectively called “M&G Investments”.

    MandG Investments Southern Africa (Pty) Ltd is part of the same corporate group as the M&G plc Group, a company incorporated in the United Kingdom.

    Community Guidelines

    Our social media community is a place to engage and interact with us and other members of our community. We ask that conversations follow the rules and that participants treat each other with respect. Please keep in mind that M&G Investments does not create, control, represent or endorse any opinions or statements expressed by others within its social media channel, including those that Follow/Like M&G Investments and that any content posted by anyone other than M&G Investments is the responsibility of the submitter and not M&G Investments. With this in mind, we ask that you follow our community guidelines:

    Please don’t give out any personal information on our wall: If you post a question, we will do our best to respond as soon as possible, but avoid sharing any confidential information like phone numbers, email addresses or account details that might compromise your security.

    Keep it clean: We will not tolerate any inappropriate, defamatory or offensive language or images, including user names, profiles, photographs, videos and wall posts that are crude, contain swear words, are racist, offensive, discriminatory, hateful, violent or promote violence. We reserve the right to un-tag M&G Investments and delete any posts or photos that we deem, in our sole discretion, inappropriate.

    Do not post any spam: Advertising, spam, selling and links or comments that promote or oppose a non-M&G Investments product, service, organisation or individual will be removed immediately. This includes posts used to direct traffic to other sites, blogs or Facebook/ LinkedIn/ Twitter pages.

    Let’s stay on topic: Please keep comments on-topic. Our wall is designed to keep you up to date on investing trends, useful tips, analyses and news pertaining to M&G Investments. Posts that are off-topic, unrelated, constitute gossip or personal disparagements/attacks will be removed.

    Repeat or serious offenders: Please note that repeat or serious offenders may be reported to Facebook/ LinkedIn/ Twitter and blocked from our page for the sake of the community.

    Copyright and Intellectual Property Policies: By submitting any content to our Facebook/ LinkedIn/ Twitter pages, you warrant and represent that you are the copyright owner of the content or that the copyright owner of the content has granted you permission to use such content consistent with the manner and purpose of your use. Please note that by posting comments, posts, tagged photos, videos, ideas, or any other content on our Facebook/ LinkedIn/ Twitter pages, you are granting M&G Investments nonexclusive, worldwide rights to republish, redistribute, or otherwise use this content in perpetuity in any way we see fit. This includes, but is not limited to, marketing and advertising materials. The content produced and posted by M&G Investments remains the sole property of M&G Investments and any repurposing of such content may only be done with prior written consent from M&G Investments. Enquiries may be sent to media@mandg.co.za

    Our promise: We are monitoring our social media pages and will do our best to answer all queries posted to our Facebook/ LinkedIn/ Twitter walls in a timeous manner, usually weekdays from 09h00 to 17h00. If you post a query outside of the designated times, please be patient – we will assist you as soon as possible. For offline response, please contact our Customer Services team on 0860 105 775.

    Online Terms and Conditions

    Online Terms and Conditions are valid and effective as of 15 September 2021.

    You can contact us at info@mandg.co.za or download the Online Terms and Conditions document for investors.

    Privacy Policy and PAIA Manual

    Set out below are details about the M&G Investments Southern Africa Privacy Policy (“Policy”) and PAIA Manual. The Policy applies to the collection, use, disclosure, and protection of personal information relating to clients of the M&G plc group affiliates, and related entities; all vendors and suppliers of M&G Investments; and all users of this Website. The purpose of the PAIA Manual is to facilitate any requests for access to M&G Investments records in terms of the Promotion of Access to Information Act (PAIA). 

    Furthermore, both the Policy and PAIA Manual form part of and should be read together with the product and online terms and conditions of this website.

    Download: Privacy Policy 

    Download: PAIA Manual

    Download: M&G Request For Access to Record

    Client Complaints Policy

    Compliance Department

    The M&G Investments Compliance Officer is Ziyaad Bassadien [CO number 7865].
    Email: 
    compliance@mandg.co.za Tel: 021 670 5100 Address: PO Box 44813 Claremont 773

    Complaints

    M&G Investments invites any client who is dissatisfied with the services provided to address their concerns directly with the Head of Institutional Business or with any one of our Executive Directors. We take our client concerns and queries very seriously and undertake to engage directly, timeously and meaningfully with you. In the event that you would prefer to pursue a formal route and wish to lodge a written complaint regarding M&G Investments compliance with the FAIS Act, the nature of services rendered or the fair treatment of you, such complaint should be addressed to The Compliance Officer.
    Email: compliance@mandg.co.za Address: PO Box 44813 Claremont 7735

    If we fail to revert to you within six weeks or if you are dissatisfied with our response, you’re entitled to address the issue with the FAIS Ombud.
    Web: www.faisombud.co.za Tel: 012 470 9080 Address: PO Box 74571 Lynnwood Ridge 0040

    Cookies Policy

    M&G Investments may collect personal information through the use of “cookies” in order to provide you with a better client experience while online. A cookie is a piece of information that is stored on your computer by your web browser for record-keeping purposes. It allows us to securely collect data about your online behaviour to better understand your interests and to provide you with a personalised online experience.

    When you visit our website we will allocate cookies for our services. These cookies will hold information collected during your usage of the website and allow us to recognise you when you revisit our website. We further make use of third party service providers who utilise cookies as a means to serve you M&G Investments advertising banners and other online communications. The information gathered by these third parties are based on your prior visits to our website and cannot be linked directly back to you.

    Most browsers are set by default to automatically accept cookies, however your browser settings can usually be altered to either prevent automatic acceptance (and prompt you every time a cookie is sent to you) or to no longer receive cookies at all. While turning off cookies will not prohibit you from using our website, it may however limit the extent to which we can personalise your overall online experience.

    Events

    The event email is subject to the M&G Investments electronic communication legal notice, available here. The information contained in the communication from the sender is confidential, and should you wish to forward on to a friend, M&G Investments will accept no responsibility for the information disclosed. If you are not the recipient, you are hereby notified that any disclosure, copying, distribution or taking action in relation of the contents of this information is strictly prohibited and may be unlawful. M&G Investments regularly engages with clients and their representatives, either at our premises or external venues. We appreciate the opportunity to offer investment thought leadership at client conferences & events and enjoy occasional informal interactions. We consistently seek to be moderate and conservative regarding entertainment, offering modest refreshments but not sponsorship of ancillary costs. We have a zero tolerance for any form of corruption, untenable conflicts of interest or leveraging relationships in favour of profit.  We believe our engagements are in line with both the letter and spirit of regulations dealing with “gifts and benefits”. However the FAIS and Pension Funds Act directives are not fully consistent and we recognise that protocols can be interpreted differently. Should this invitation in any way conflict with your understanding of the regulations or breach any of your internal policies, do let us know so we can adjust our approach accordingly and accommodate you in future.

    MandG Investment Managers (Pty) Ltd and its affiliates often invite clients to events. For the purpose of the event, personal information is collected and processed by M&G Investments. By providing us with your personal information, you acknowledge and agree to the use of the information for the purpose of the event. M&G Investments will at all times handle the personal information with care and process it in accordance with the Protection of Personal Information Act, 2013. Further, you hereby consent to M&G Investments passing on such personal information in order to facilitate the allocation of continuous professional development (CPD) points and to our employees or agents who require such information as necessary or for legitimate business purposes.

    Advertising and Email Disclaimers

    Sources: M&G Investments, Bloomberg, M&G Investments.

    General Advertising:

    MandG Investments Unit Trusts South Africa (RF) Ltd is an approved CISCA management company (#29). Collective Investment Schemes (unit trusts) are generally medium to long-term investments. The value of participatory interest (units) may go down as well as up. Past performance is not necessarily a guide to the future and the manager provides no capital or return guarantees. Unit trusts are traded at ruling prices. All of the unit trusts may be capped at any time in order for them to be managed in accordance with their mandates. A Unit trust fee schedule summary with all fees and maximum initial and ongoing adviser fees and additional information on our unit trusts is available on our website. This information is not intended to constitute the basis for any specific investment decision. Investors are advised to familiarise themselves with the unique risks pertaining to their investment choices and should seek the advice of a properly qualified financial consultant or adviser before investing.

    Invest in Consistency Advertising Campaign:

    M&G Property Fund wins Raging Bull

    "Best SA Real Estate General Fund” for its straight performance over the three-year period to 31 December 2023 – managed by Yusuf Mowlana and Raghib Davids. MandG Investments Unit Trusts South Africa (RF) Ltd is an approved CISCA management company (#29). One can obtain all relevant disclosures on the MandG website. Collective Investment Schemes (unit trusts) are generally medium to long-term investments. The value of participatory interest (units) may go down as well as up. Past performance is not necessarily a guide to the future and the manager provides no capital or return guarantees. Performance calculated net of fees. A Collective Investment Schemes (CIS) summary with all fees and maximum initial and ongoing adviser fees and performance fees is available on our website link here. This information is not intended to constitute the basis for any specific investment decision. Investors are advised to familiarise themselves with the unique risks pertaining to their investment choices and should seek the advice of a properly qualified financial consultant or adviser before investing.

    R8tn in global assets under management/ Managing global investments for 93 years

    M&G plc is incorporated and registered in England and Wales. M&G plc is a holding company, some of whose subsidiaries are authorised and regulated, as applicable, by the Prudential Regulation Authority and the Financial Conduct Authority. M&G Investment Managers is an authorised discretionary financial services provider by the Financial Sector Conduct Authority [FSP45199].This advert represents Assets under management and administration for M&G plc as at 30/06/2023. MandG Investment Managers (Pty) Ltd. is 50.12% owned by M&G plc. A full copy of the annual financial statements for M&G plc can be found here: https://www.mandg.com/investors/annual-report.

    Email:

    MandG Investment Managers (Pty) Ltd is a licensed financial services provider. This email is subject to the M&G Investments Southern Africa electronic communication legal notice, available here. If you are unable to access the disclaimer, send an email request to info@mandg.co.za and we will send you a copy of the disclaimer. The information contained in this communication from the sender is confidential, and should you wish to forward on to a friend, MandG Investment Managers (Pty) Ltd will accept no responsibility for the information disclosed. If you are not the recipient, you are hereby notified that any disclosure, copying, distribution or taking action in relation of the contents of this information is strictly prohibited and may be unlawful. M&G Investments regularly engages with clients and their representatives, either at our premises or external venues. We appreciate the opportunity to offer investment thought leadership at client conferences & events and enjoy occasional informal interactions. We consistently seek to be moderate and conservative regarding entertainment, offering modest refreshments but not sponsorship of ancillary costs. We have a zero tolerance for any form of corruption, untenable conflicts of interest or leveraging relationships in favour of profit. We believe our engagements are in line with both the letter and spirit of regulations dealing with “gifts and benefits”. However the FAIS and Pension Funds Act directives are not fully consistent and we recognise that protocols can be interpreted differently. Should this email in any way conflict with your understanding of the regulations or breach any of your internal policies, do let us know so we can adjust our approach accordingly and accommodate you in future.

    CIS and Performance

    Collective Investment Schemes (unit trusts) are generally medium-to long-term investments. Past performance is not necessarily a guide to future investment performance. Unit trust prices are calculated on a net asset value basis. This means the price is the total net market value of all assets of the unit trust fund divided by the total number of units of the fund. Any market movements – for example in share prices, bond prices, money market prices or currency fluctuations - relevant to the underlying assets of the fund may cause the value of the underlying assets to go up or down. As a result, the price of your units may go up or down. Unit trusts are traded at the ruling forward price of the day, meaning that transactions are processed during the day before you or the Manager know what the price at the end of the day will be. The price and therefore the number of units involved in the transaction are only known on the following day. The unit trust fund may borrow up to 10% of the fund value, and it may also lend any scrip (proof of ownership of an investment instrument) that it holds to earn additional income. An M&G Investments unit trust fund may consist of different fund classes that are subject to different fees and charges. Where applicable, the Manager will pay your financial adviser an agreed standard ongoing adviser fee, which is included in the overall costs of the fund. A Collective Investment Schemes (CIS) summary with all fees and maximum initial and ongoing adviser fees is available on our website. One can also obtain additional information on M&G Investments products on the M&G Investments website. The Fund may hold foreign securities including foreign CIS funds. As a result, the fund may face material risks. The volatility of the fund may be higher and the liquidity of the underlying securities may be restricted due to relative market sizes and market conditions. The fund’s ability to settle securities and to repatriate investment income, capital or the proceeds of sales of securities may be adversely affected for multiple reasons including market conditions, macro-economic and political circumstances. Further, the return on the security may be affected (positively or negatively) by the difference in tax regimes between the domestic and foreign tax jurisdictions. The availability of market information and information on any underlying sub-funds may be delayed. The Manager may, at its discretion, close your chosen unit trust fund to new investors and to additional investments by existing investors to make sure that it is managed in accordance with its mandate. It may also stop your existing debit order investment. The Manager makes no guarantees as to the capital invested in the fund or the returns of the fund. Excessive withdrawals from the fund may place the fund under liquidity pressure and, in certain circumstances; a process of ring fencing withdrawal instructions may be followed. Fund prices are published daily on the M&G Investments website. These are also available upon request. The performance is calculated for the portfolio. Individual investor performance may differ as a result of initial fees, the actual investment date, the date of reinvestment and dividend withholding tax. Purchase and repurchase requests must be received by the Manager by 13h30 (11h30 for the Money Market Fund) SA time each business day. All online purchase and repurchase transactions must be received by the Manager by 10h30 (for all Funds) SA time each business day.