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+27 21 492 0200 | invest@merchantwest.co.za
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MULTI ASSET FUNDS >

MERCHANT WEST SANLAM COLLECTIVE INVESTMENTS Flexible Income Fund

This Fund is suitable for a conservative investor seeking regular income payments. 

8.6%

The Annualised Performance of the fund is calculated over a 10 year period.

 

Annualised Performance

0.86%

The management fee you pay is based on the fund selected and calculated on your total contributions, and then applied to the overall value of your portfolio. The annual management fee differs for each fund. Please view the fund’s factsheet for the fee percentage.

MANAGEMENT FEE

Conservative investing is an investment strategy that prioritizes the preservation of capital over growth or market returns, thus seeking to protect an investment portfolio's value by investing in lower-risk securities.

Risk profile:

Conservative

An investment time horizon refers to the minimum amount of time needed to hold onto an investment to see possible growth.

Investment Horizon:

1-2 years

This Fund is suitable for investors seeking an above-average after-tax yield from a combianation of dividends and interest income. This will be achieved by diversifying the portfolio’s holdings across a range of fixed income, preferered equity, ordinary equity, and real estate securities.

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FUND STRATEGY

The portfolio may also invest in assets in liquid form, non-equity securities, debentures, government, listed corporate and inflation linked bonds, and other high yielding securities. The portfolio may from time to time invest in listed and unlisted financial instruments in accordance with the regulations of the Act and the regulations thereto, as amended from time to time in order to achieve the portfolio’s investment objective. The Manager shall be permitted to invest on behalf of the portfolio in offshore investments as legislation permits. The portfolio may also include participatory interests or any other form of participation in portfolios of collective investment schemes in the Republic of South Africa as the Act may allow from time to time. Where the aforementioned schemes are operating in territories other than South Africa, participatory interests or any other form of participation in these schemes will be included in the portfolio only where the regulatory environment is to the satisfaction of the Manager and the Trustee as being of a sufficient standard to provide investor protection at least equivalent to that in South Africa and which is consistent with the portfolio’s primary objective.

ASISA FUND CATEGORY

South African -Multi Asset - Unclassified

BENCHMARK

STeFI Call Deposit Index (SteFI)

INCEPTION DATE

15 Jan 2008

REGULATION 28

No

PORTFOLIO MANAGER
ANDREW DOWSE

ANDREW DOWSE

Portfolio Manager

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FAQ's

Tax-free investing does not require payment of tax on interest and dividends earned, nor on capital gains. In a tax free investment, you may invest up to R36 000 per tax year and up to R500 000 over your lifetime.
Yes you may withdraw from a tax-free investment. After withdrawing a portion, you cannot reinvest more to your investment if you’ve already contributed to the maximum limit for that tax year.
The exact minimum investment amount is listed on the fund fact sheet however, the general minimum lump sum deposit is R10 000.00.

The exact minimum investment amount is listed on the fund fact sheet however, the general minimum monthly investment amount of R500.00

Yes, the exact minimum investment amount is listed on the fund fact sheet however, the general minimum lump sum deposit is R10 000.00 and a monthly investment minimum amount of R500.00

Yes, you are able to change your monthly recurring debit order – provided it’s not less than the minimum of the fund you are invested in. You’re also able to make additional investments and withdraw money at any time. You can do this online via Secure Services, rather than through Smart Invest itself.
Note: If a debit order collection date falls on a non-business day, we will collect it on the first available business day thereafter.

Once you commit to investing, you have the option of paying a lump sum amount once off or a lump sum payment as often as you would like. The minimum lump sum deposit is R10 000.00. You may invest monthly at a minimum of R500.00.

No notice is required to withdraw money from a unit trust investment. It takes 2 – 3 business days for a withdrawal instruction to be processed from the time the instruction is successfully submitted.
We don’t charge performance fees and the cost of our portfolios averages as the lowest in the market within active fund management. To view all the fees charged, read through the Fund Fact Sheet available on this site alongside the Fund.
For an individual investor: Certified South African ID (green or bar-coded identity document) or a valid passport (for foreign residents). Proof of residential address such as a recent copy of a utility bill. Contact Details SA Income Tax Registration Number, where applicable

Go to www.cp.sanlam.co.za/
Select Register and insert your ID Number and Surname or Sanlam product number/ membership number and click Search.
Confirm your cell number and your e-mail address – click Next.
Choose a username. A temporary password will be sent to your cell phone number. Enter the temporary password that was sent to you and change your password as the temporary password may only be used once.
Once you have registered, you will see a summary of all your Sanlam products.
Click on a product to view more details on that product.

CONTACT US

NEED FURTHER ASSISTANCE?

FOR ANY ASSISTANCE OR QUESTIONS PLEASE CONTACT:

Sanlam Collective Investments
0860 100 266
service@sanlaminvestments.com

Merchant West Investments
+27 (0)21 492 0200
invest@merchantwest.co.za

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RELATED FUNDS

INCOME FUND >

MERCHANT WEST SANLAM COLLECTIVE INVESTMENTS MONEY MARKET FUND

This Fund is suitable for the risk-averse investor seeking a short-term investment or a safe haven holding, while earning an above inflation return.

For the conservative investor

Investment horizon:
1-2 Years

Income fund >

MERCHANT WEST SANLAM COLLECTIVE INVESTMENTS ENHANCED INCOME FUND

This Fund is suitable for a conservative investor seeking regular income payments or moderate capital growth. 

For the conservative investor

Investment horizon:
1-2 Years

MULTI ASSET FUND >

MERCHANT WEST SANLAM COLLECTIVE INVESTMENTS CAUTIOUS FUND

This Fund is suitable for a conservative investor seeking long term capital growth with limited exposure to higher risk assets and downside volatility.

For the conservative investor

Investment horizon:
1-2 Years

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Merchant West Investments
6th Floor, The Terraces, 25 Protea Road
Claremont, Cape Town, 7708
+27 21 492 0200 |  invest@merchantwest.co.za

Merchant West Investments  FSP 44508

SELF-SERVICE APPLICATION

Step 1:
Choose between a Tax-Free savings or Standard Unit Trust investment option

Step 2:

You will be directed to the Smart Invest website. If you are a new investor, you will be required to click the Register tab, complete your registration, and answer a few questions to complete the investment process. If you are an existing investor login to your profile and answer a few questions to complete the investment process.

Step 3:
Once you have completed the investment process you will receive an email confirmation. You may also monitor your investment and ensure we have your latest updated information by clicking here.

 

Tax Free Investment

In a tax-free investment like a unit trust, you may save up R36 000 per year through a once off lump sum payment. Alternatively, you may invest from R500 per month. All interest, capital gains, and dividends you receive will be fully tax-free. You cannot invest more than R36 000 every tax year and R500 000 in total across all of your tax-free items throughout the course of your lifetime. If you do, you will be subject to a 40% tax penalty on any sum that exceeds this cap.

Standard Unit Trust Investment

A unit trust, also known as a fund, combines the funds of several investors, to purchase assets including stocks, bonds, and real estate. A unit trust gives the investor exposure to a variety of assets, all of which are chosen and managed by investment professional, so you don't have to make individual investment decisions.

ASSISTED APPLICATION

Step 1:
Download and complete an application form for individuals, non-individuals or tax-free savings accounts along with all the required supporting documents.

Step 2:
Submit the completed application form and supporting documents to utinstructions@sanlaminvestmentssupport.com

Step 3:
Once you have received confirmation from Sanlam that your application has been correctly submitted, you may go ahead with the payment of the relevant investment amount. Please send proof of payment to utinstructions@sanlaminvestmentssupport.com. You will receive electronic confirmation once your investment is finalised.

 

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