Save As A Group

carefully selected investment portfolios

Unit trusts are a common choice and a flexible investment solution for stokvels or investment clubs to invest in the stock market.

A unit trust is a flexible investment solution which enables groups to save towards any financial goal in a transparent and cost effective manner.

You can contribute to your investment whenever you choose to and can invest through a monthly debit order starting from R2 500 per month. You can request a regular income payment from your investment, which you can stop or change at any time.

  • You can start an investment by contributing a minimum of R2 500 a month. Or a single lump sum of R100 000 or more
  • You must appoint a representative person to act on your behalf as a group
  • You can adjust your debit order contributions to your changing needs without any penalties
  • You can add more money to the investment whenever you want
  • You may withdraw all or a portion of the investment at any time
  • Professional investments managers manage your money
  • Your investment growth is based on the performance of the model portfolio that we select for you.

What are unit trusts?

A unit trust is a type of investment that allows individuals easy and cost-effective access to the stock market. Unit trusts invest in asset classes such as shares, bonds, money market and property. It provides exposure to these asset classes without having to invest in them directly, making investing more affordable.

Your financial contribution in a unit trust is combined with that of other investors. Pooling everyone’s contribution in a unit trust provides a cost effective way for various investors to access the stock market.

Can we invest in unit trusts on behalf of an investment club/stokvel?

Yes. You can invest in the name of a stokvel/investment club. We would require the following documents:

  • The copy of the constitution or other founding documents for the legal entity.
  • Resolution of authorised signatories.
  • Identity documents for the authorised signatories.
  • Personal details of all members.

What returns will we receive from our investment?

We cannot guarantee what your returns will be in the future. The return on your investment depends on the performance of the underlying investments (shares, bonds, property, money market or offshore investments) that we select for you. The market value of the investment may go down as well as up, and past performance is not necessarily a guide to the future.

What does Inkunzi Wealth Group do with our money?

Our role is to provide financial advice and we are not licensed to accept cash deposits from investors.

  • Your money is deposited directly into the bank account of our selected financial services provider
  • They open an account under your name
  • You remain the only authorised signatory on your account

What happens if a member stops contributing to the scheme?

You can remove the member from the constitution or membership list of the group. The investment will continue to earn a return, and your monthly contribution will be reduced by that member’s contribution.

What happens if we cannot afford our monthly debit order?

You can stop your monthly contributions at any time without any penalties. The money that is left in your account will continue to be invested in the underlying investments (shares, bonds, property, money market or offshore investments) that we selected for you.

How long should we invest in a unit trust?

Unit trust investments are medium to long-term investments. We encourage clients to invest for long periods in order to benefit from our investment approach. There are unit trust funds that are designed to suit clients that want to invest for shorter periods and do not want to expose their money to investment risk.

Is my money safe in a unit trust?

Unit trusts are legally known as Collective Investment Schemes. They are regulated by the Financial Services Board and governed by the Collective Investment Schemes Control Act, No 45 of 2002. The assets of the unit trust funds do not form part of the assets of Inkunzi Wealth Group. Our role is to provide financial advice and we are not licensed to accept cash deposits from investors.

Stable Portfolio
Why this portfolio?

You want a model portfolio that seeks to deliver returns above that of a money market account

You have a low risk appetite but require capital growth

You want to preserve your capital, without exposing it to capital loss over a two year period

I'm Interested
Balanced Portfolio
Why this portfolio?

You want steady growth of income and capital

You are comfortable with moderate market fluctuations and potential capital loss

You are investing for three years or longer

I'm Interested
Equity Portfolio
Why this portfolio?

You require long-term capital growth

You do not require an income from your investment

You are willing to accept short-term capital losses

You are investing for five years or longer

I'm Interested

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creating a financial plan that suits you.

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