Unit trust investments & funds

High

You are looking for strong capital growth over the medium to long term and are prepared to accept high levels of volatility and the potential of above-average returns, in order to achieve your objectives. Funds that meet this criterion include the following:

• Investec World Axis Global Equity Fund
• Investec World Axis Flexible Fund
• W&I BCI Dynamic Equity Fund
• W&I BCI  Equity Fund

Moderate-High

You are prepared to accept higher levels of volatility in order to potentially achieve superior levels of income and capital growth over the medium to long term, and we are willing to take greater risk with a portion of your assets in exchange for the potential of above-average returns. Funds that meet this criterion include the following:

• Investec World Axis Core Fund
• W&I BCI Balanced High Equity Fund
• W&I BCI Progressive Yield Fund

Moderate

You are prepared to accept moderate levels of volatility in order to achieve higher levels of income and capital growth over the medium to long term, preferring a diversified portfolio that can potentially mitigate the effects of adverse market conditions. Funds that meet this criterion are the following:

• W&I BCI Balanced Fund of Funds
• W&I BCI Property Fund

Low moderate

Although capital preservation is of paramount importance to you, you are prepared to make limited investments in low to medium risk asset classes that aim to provide some capital growth. Funds that meet this criterion are the following:

• Investec World Axis Cautious Fund

Low

To preserve the value of your portfolio and generate income over the medium to long term, with low risk. There is limited capital growth in this category. Funds that meet this criterion are the following:

• W&I BCI Active Income Fund

Active investment management

Our active investment process aims to take advantage of current market opportunities, managing potential risks and providing performance through market cycles.

Create or preserve wealth

You can select from focused Equity funds or a selection of Balanced funds that provide access to a spread of equity, property, cash, and fixed income instruments.

Liquidity

W&I domestic unit trust funds provide daily access to your investment. Whilst offshore unit trust funds trade weekly.

Tax efficiency

Unit trust funds and fund of funds may be subject to dividend withholding tax within the fund and capital gains tax may be payable on redemption of your investment.

All our unit trusts are also available under our tax-free investment savings account options.

Transparency

You can monitor your portfolio and its performance online. In addition, our fund managers produce quarterly Minimum Disclosure Documents (MDD) explaining their positioning and performance.

Costs

Our fees are competitive as we remain sensitive to the impact that fees can have on performance over time.

What is the benefit of investing in a unit trust or fund of funds?

Unit trust funds are a cost-effective and tax-efficient way to invest. Investors funds are pooled together and invested collectively, allowing investors with smaller amounts of capital to access professionally managed portfolios.

Are there any initial investment fees or exit fees?

There are no initial fees or exit penalties applicable to our range of funds. The fund fees are limited to the annual management fee and where applicable, performance fees associated with the underlying managers.

Is my capital guaranteed?

Your investment will be exposed to market movements and is therefore not guaranteed. Past performance is no guarantee of future performance.

How do I invest?

Complete the application form and submit to your investment manager, who will provide deposit bank account information and the related investment procedure.