MULTI ASSET FUNDS >
MERCHANT WEST SANLAM COLLECTIVE INVESTMENTS Flexible Income Fund
This Fund is suitable for a conservative investor seeking regular income payments.
8.3%
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 combination of dividends and interest income. This will be achieved by diversifying the portfolio’s holdings across a range of fixed income, preferred equity, ordinary equity, and real estate securities.
VIEW FACT SHEET
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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
Portfolio Manager
ANDREW DOWSE
Portfolio Manager
Andrew has investment experience in various aspects of the industry including multi-manager and fund administration specialities. Before joining Bridge Fund Managers (formerly Grindrod Asset Management) in early 2013, Andrew worked at a boutique asset manager and family wealth office as a portfolio manager and trader. Andrew joined Counterpoint Asset Management team in 2020, as a result of the merger with Bridge Fund Managers.
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FAQ’s
What is tax-free investing?
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.
Can I withdraw a portion of my investment when investing in a tax-free investment?
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.
What is the minimum lump sum I can invest?
The exact minimum investment amount is listed on the fund fact sheet however, the general minimum lump sum deposit is R10 000.00.
What is the minimum monthly investment amount for each fund?
The exact minimum investment amount is listed on the fund fact sheet however, the general minimum monthly investment amount of R500.00
Is there a minimum deposit amount?
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
Can I change my monthly recurring debit order, make additional investments or withdraw money?
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.
How much notice is required to withdraw my money?
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.
What are the fees charged?
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.
What are your minimum FICA requirements?
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
How do I check fund performance?
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
BOOK A FREE, NO-OBLIGATION CONSULTATION
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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
View details & invest
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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
