South Africa
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Investing with M&G Investments is quick and easy. Use our tools to help determine the best unit trusts to meet your objectives and then complete an online application form. If you need help with any part of this process, contact our Client Service Team via the chat widget or call: 0860 105 775
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COMPLETE AN ONLINE APPLICATION FORM
01
Determine your time horizon and risk tolerance
Determine what your investment time horizon is.
If you are saving towards a short-term goal or have income requirements over the next 1-3 years, or are about to retire in less than 5 years, you cannot afford to take much risk. In this case, a unit trust with a lower degree of equity exposure and higher holding of bonds and/or cash is more appropriate for you.
If, however, you are younger or are saving for the longer term (5 years or more), then you can afford to take on more risk and therefore more risky unit trusts with higher equity holdings.
Determine how much risk you are willing to take on.
Generally, your investment time horizon and investment goal help determine the amount of risk to take. As above, if you are investing for the short term, you cannot afford to take as much risk as you would be able to if you are younger or saving for the longer term.
Investing for the longer term allows you to take on more risk and therefore more risky unit trusts with higher equity holdings since the chance of loss diminishes over time. This could include multi-asset class funds with strong diversification and varying levels of equity.
02
Determine your investment goals
Income versus Capital Growth
Generally, investors who are looking for a regular income from their unit trust investment are either retired or nearing retirement, or funding a shorter-term expense like a child’s education, car or holiday, and would want to minimise the risk of losing money. As a result, it would be appropriate to consider investing in lower-risk unit trusts holding assets like bonds, listed property or cash, or a combination of these, which will deliver regular interest payments or distributions to meet your income requirements.
USE OUR GOAL CALCULATOR
Investors who are primarily looking for capital growth want their investments to grow in value over the longer term, and are less concerned about an immediate return or income. An appropriate unit trust will therefore invest in more risky assets like equities (100% in the case of an equity unit trust), or a medium-to-high-risk diversified fund which offers investors a combination of income and capital gains by holding cash, bonds, property and lower equity exposure.
