RA Advise Required. (Sygnia)

I

InternetSwag

Expert Member
Joined
Jan 24, 2012
Messages
3,955
Reaction score
329
Location
Cape Town
Hi all, sorry if this is a stupid question. I have some savings but no RA yet.

I am trying to get that sorted now. But when I look at RA, there are so many options.

It will give me options like Allan Grey - Orbis Global Equity or Marriot Divident Growth Fund C and many many more.

So, there's like 50 options.

How the F do I know which one to choose?
 
If you don’t want to think about it…just go to 10X instead.

I’ll even send you a referral.

It’s one of the primary reasons I prefer them because I don’t want to cry in 20 years time because I chose badly.
 
SauRoNZA said:
If you don’t want to think about it…just go to 10X instead.

I’ll even send you a referral.

It’s one of the primary reasons I prefer them because I don’t want to cry in 20 years time because I chose badly.
Click to expand...
And I went with Coronation directly for the very same reason. Riskiest decision of my life but I get good vibes about Coronation. And I trust my vibes.
 
InternetSwag said:
Hi all, sorry if this is a stupid question. I have some savings but no RA yet.

I am trying to get that sorted now. But when I look at RA, there are so many options.

It will give me options like Allan Grey - Orbis Global Equity or Marriot Divident Growth Fund C and many many more.

So, there's like 50 options.

How the F do I know which one to choose?
Click to expand...
Just go with Sygnia skeleton balanced 70 fund. Their alchemy online portal is much better than 10x etc. plus they’re cheaper as well.
 
I personally have a custom Allan Grey RA, but also a Sygnia custom RA.

It was a very good year, look at the JSE.

Some very good funds selectable in the Sygnia basket! One is their AI fund! (Its pumping)

Basically, look at costs. You seldom get a RA that pushes 30%+ a year!

The only reason I started my Allan Grey, I did a section 14 from Liberty 10 years ago!
 
InternetSwag said:
Hi all, sorry if this is a stupid question. I have some savings but no RA yet.

I am trying to get that sorted now. But when I look at RA, there are so many options.

It will give me options like Allan Grey - Orbis Global Equity or Marriot Divident Growth Fund C and many many more.

So, there's like 50 options.

How the F do I know which one to choose?
Click to expand...
I started an RA in 2025. I am not a financial adviser. I spoke to a couple of financial advisers, and then decided to start one by myself by doing a lot of research and chooisng funds myself.

First, understand what an RA is. It is a savings product with huge tax savings; and has restrictions such as what you can invest in (mainly Regulation 28 unit trusts & ETFs), and withdrawal restrictions once you convert it to draw an income either via a living annuity,and/or an insurance product. You can have as many RAs as you want with different providers, and change from one provider to another, but check if they charge or penalise for this. There is a lot of information from financial product providers explaining what an RA is. If you are not sure what to do, go to a financial adviser, but be aware of their ongoing fees.

Second, understand the Regulation 28 funds available, and depending on your needs, choose high growth or less volatile ones. You can find lists of these on Fundsdata Online, and Citywire. I thought some of these high to moderate equity funds gave the best returns available: Visio BCI balanced fund; Satrix balanced index fund; some of the SASFIN Reg 28 funds; PSG balanced fund; PSG Growth fund of funds; Negroup Opportunity Fund; Longbeach managed Prescient fund; Granate BCI balanced fund; Denker SCI balanced fund; Coronation Balanced Plus Fund; Abax Balanced Prescient Fund.
 
With Sygnia Family Fees, you can group eligible family investments together, giving you the opportunity to use your combined value to move into a lower administration fee tier.
Click to expand...
Lol they've never heard of the deregulated sexual marketplace.
 
Kornhub said:
How is everyone Sygnia RA doing ?
Click to expand...
Great actually. In a week its another boost for incoming dividends!

Once you hit R2 000 000, the product works for itself actually! If you have R2kk invested, you get R40 000 twice a year in dividends! ;)

I have a few RA's, and also preserved funds. A mindset I adapted many moons ago, I have a fund wish is purely cash, which offset charges if there are any! If you can understand that part, you are on the right track! 95% of investors ask me why. Picture a cost free investment, simple as that.
 
Last edited:
zerocool2009 said:
I have a few RA's, and also preserved funds. A mindset I adapted many moons ago, I have a fund wish is purely cash, which offset charges if there are any! If you can understand that part, you are on the right track! 95% of investors ask me why. Picture a cost free investment, simple as that.
Click to expand...
If I understand you, the RA and TFSA fees come off a separate fund so you maximise the tax savings and compound interest?
 
yogidabear said:
If I understand you, the RA and TFSA fees come off a separate fund so you maximise the tax savings and compound interest?
Click to expand...

It all depends on the provider. With Allan Grey, and Stanlib, you see them sell shares actually. With PSG, also selling shares to cover costs

My view, if fees comes of a cash fund, or selling shares, its much of a much-ness

What I tried to explain more above:

Picture you have a fund (example Money market), the total product cost you R500 a month.

Then my motto: make R500 of interest in the money market leg, with-in the RA
 
zerocool2009 said:
It all depends on the provider. With Allan Grey, and Stanlib, you see them sell shares actually. With PSG, also selling shares to cover costs

My view, if fees comes of a cash fund, or selling shares, its much of a much-ness

What I tried to explain more above:

Picture you have a fund (example Money market), the total product cost you R500 a month.

Then my motto: make R500 of interest in the money market leg, with-in the RA
Click to expand...
Ok not what I thought. It would be nice if you could designate an account for all fees, but dont think thats possible. So Allan Gray has AGRA, AGTF and all those fees come from a fund in the standard investment platform AGLP
 
You must log in or register to reply here.
Back
Top
Sign up to the MyBroadband newsletter
X