South Africa
Namibia
Local Funds
Local Funds
Our unit trusts include equity funds, balanced funds, property funds, income funds and feeder funds. We manage approximately R150 billion on behalf of our retail clients, making us one of South Africa’s top 10 largest investment managers.
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What is a unit trust?
A unit trust (also called a fund) is an investment vehicle that allows you to pool your savings with others to invest in a wide variety of financial markets at a much lower cost.
Benefits of unit trusts
Unit trusts are cost effective, well-regulated and transparent. Best of all, your asset allocation decisions are delegated to a team of highly-experienced investment professionals.
Are unit trusts for me?
Unit trusts are great if you lack the time or knowledge to manage your own investments, or if you’re looking to benefit from the investment expertise of a professional fund manager.
How do I choose a unit trust?
Choosing a unit trusts starts with having a clear understanding of your investment goal, time horizon and risk profile. The next step is to choose a unit trust that matches these objectives.
Our unit trust range
Our range of unit trusts invest in a variety of different asset classes, making it the ideal solution for investors with different investment objectives, time horizons and risk profiles.
How do I invest?
Investing with M&G Investments is quick and easy. Once you’ve determined which unit trust/s best meets your needs, you can complete an online application form in under 10 minutes.
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Long-term Growth
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M&G Balanced Fund
Who Should Invest
This medium-risk fund is ideal for investors who want steady long-term growth of their capital and income from a diverse portfolio of actively managed South African and global assets. The fund is Regulation 28 compliant, making it suitable for building up long-term retirement capital. The recommended investment horizon is five years or longer.
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M&G Dividend Maximiser Fund
Who Should Invest
This fund is ideal for investors with a higher risk tolerance who are looking for out-performance of the average South African General Equity Fund without taking on greater risk of loss and have a preference for the fund’s bias towards investment in companies offering high but sustainable dividend yields. The recommended investment horizon is 7 years or longer.
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M&G Equity Fund
Who Should Invest
This fund is ideal for investors with a higher risk tolerance who are looking for out-performance of the average South African General Equity Fund without taking on greater risk of loss. The recommended investment horizon is 7 years or longer.
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M&G Property Fund
Who Should Invest
This fund is ideal for investors who seek exposure to South African listed property as part of a diversified portfolio. Alternatively, investors looking for a growing income stream but who are willing to be exposed to capital volatility. The recommended investment horizon is 5 years or longer.
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Short-term Growth
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M&G High Interest Fund
Who Should Invest
This fund is capped to new retail investment. This fund is ideal for investors requiring a higher yield than that from a money market or current account, without taking on unnecessary risk - capital stability and a high income yield are more important than long-term capital growth. The recommended investment time horizon is three to 12 months, but could be longer depending on the investor’s income needs and risk profile.
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M&G Income Fund
Who Should Invest
This fund is ideal for investors who are looking to maximise their income return over the short-to-medium term without assuming too much risk of capital loss. The recommended investment horizon is 1-2 years, or longer depending on income needs and risk profile.The Fund is managed to comply with regulations governing retirement fund investments (Regulation 28).
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M&G Money Market Fund
Who Should Invest
This fund is recommended for risk-adverse investors wanting a short-term investment with protection from equity and bond market-type volatility, who need an inexpensive safe haven to house funds while earning above-inflation returns. The recommended investment horizon is one to 12 months. The Fund has a GCR Rating of AA+ (za)(f).
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Income and Growth
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M&G Enhanced Income Fund
Who Should Invest
This fund is ideal for investors looking for a low- to medium-risk actively managed income solution that provides a high income return, together with moderate capital growth. The recommended investment horizon is one to three years.
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M&G Bond Fund
Who Should Invest
This fund is ideal for investors who require a high level of income from their capital investment with relatively low risk. The recommended investment horizon is one to three years, or longer when used for strategic exposure to the asset class.
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M&G Inflation Plus Fund
Who Should Invest
This multi-asset class fund is ideal for investors saving for retirement, those already living off a pension and those wanting to protect their savings from the detrimental effects of inflation, thereby preserving purchasing power and earning a real return.
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Target Income
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M&G 2.5% Target Income Fund
Who Should Invest
This solution is ideal for income drawing investors who want to invest their post-retirement or discretionary savings in an all-in-one solution that aims to earn 2.5% income per year. Subject to this level of income return being achieved, investors will also want their capital to grow over time. Given the level of targeted income return, it’s likely that the real value of capital after targeted income drawdowns will grow over the long term.
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M&G 5% Target Income Fund
Who Should Invest
This solution is ideal for income drawing investors who want to invest their post-retirement or discretionary savings in an all-in-one solution that aims to earn 5% income per year. Subject to this level of income return being achieved, investors will also want their capital to grow over time. Given the relatively high level of targeted income return, there’s an appreciable possibility that the real value of capital after targeted income drawdowns will not be maintained over the long term.
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M&G 7% Target Income Fund
Who Should Invest
Income drawing investors who want to invest their post-retirement or discretionary savings in an all-in-one solution that aims to earn 7% income per year. Subject to this level of income return being achieved, investors will also want their capital to grow over time. Given the very high level of targeted income return, it is most likely that the real value of capital after targeted income drawdowns will be eroded over the long term.
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M&G Target Income: Self-Managed Option
Who Should Invest
This solution is ideal for investors who would like to select their own specific income requirement, ranging from 2.5%-17.5%, and build their own portfolio from underlying M&G unit trusts.
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Post Retirement
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M&G 2.5% Target Income Fund
Who Should Invest
This solution is ideal for income drawing investors who want to invest their post-retirement or discretionary savings in an all-in-one solution that aims to earn 2.5% income per year. Subject to this level of income return being achieved, investors will also want their capital to grow over time. Given the level of targeted income return, it’s likely that the real value of capital after targeted income drawdowns will grow over the long term.
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M&G 5% Target Income Fund
Who Should Invest
This solution is ideal for income drawing investors who want to invest their post-retirement or discretionary savings in an all-in-one solution that aims to earn 5% income per year. Subject to this level of income return being achieved, investors will also want their capital to grow over time. Given the relatively high level of targeted income return, there’s an appreciable possibility that the real value of capital after targeted income drawdowns will not be maintained over the long term.
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M&G 7% Target Income Fund
Who Should Invest
Income drawing investors who want to invest their post-retirement or discretionary savings in an all-in-one solution that aims to earn 7% income per year. Subject to this level of income return being achieved, investors will also want their capital to grow over time. Given the very high level of targeted income return, it is most likely that the real value of capital after targeted income drawdowns will be eroded over the long term.
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M&G Target Income: Self-Managed Option
Who Should Invest
This solution is ideal for investors who would like to select their own specific income requirement, ranging from 2.5%-17.5%, and build their own portfolio from underlying M&G unit trusts.
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Tax-free
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M&G Balanced Fund Tax-free
Who Should Invest
This medium-risk fund is ideal for investors who want steady long-term growth of their capital and income from a diverse portfolio of actively managed South African and global assets, with all growth in the underlying investment fully exempt from any tax on interest, rental income, dividends or capital gains. The fund is Regulation 28 compliant, making it suitable for building up long-term retirement capital.
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M&G Enhanced Income Fund Tax-free
Who Should Invest
This fund is ideal for investors looking for a low- to medium-risk actively managed income solution that provides a high income return, together with moderate capital growth, with all growth in the underlying investment fully exempt from any tax on interest, rental income, dividends or capital gains.
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M&G Dividend Maximiser Fund Tax-free
Who Should Invest
This fund is ideal for investors with a medium-to-high risk tolerance looking for a combination of long-term high dividend yield and capital growth. This is achieved through local and global equity exposure. All growth in the underlying investment is fully exempt from any tax on interest, rental income, dividends or capital gains.
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M&G Inflation Plus Fund Tax-free
Who Should Invest
This multi-asset class fund is ideal for investors saving for retirement, those already living off a pension and those wanting to protect their savings from the detrimental effects of inflation, thereby preserving purchasing power and earning a real return. All growth in the underlying investment is fully exempt from any tax on interest, rental income, dividends or capital gains.
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M&G Property Fund Tax-Free
Who Should Invest
This fund is ideal for investors who seek exposure to South African listed property as part of a diversified portfolio, with all growth in the underlying investment fully exempt from any tax on interest, rental income, dividends or capital gains. Alternatively, investors looking for a growing income stream but who are willing to be exposed to capital volatility. The recommended investment horizon is 5 years or longer.