Unit trusts

Thanks guys for all the positive input. Jozsef, would love to see that video. @F1, I hear you and I think you have a very valid point as well.
I have contacted both Allan Gray and Stanlib, awaiting their input.
 
Gerhardva said:
Thanks guys for all the positive input. Jozsef, would love to see that video. @F1, I hear you and I think you have a very valid point as well.
I have contacted both Allan Gray and Stanlib, awaiting their input.
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I have unit trusts with Stanlib. I just have to mention that they are not cheap. I pay almost R20 in fees every time I invest R500. This excludes all the other fees that they charge. I might be wrong , but i think this is very expensive. I also have unit trusts with Coronation , and they don't charge every time you invest.

As mentioned above , please make very sure what the fees are like, otherwise , over the years you will spend quite a bit of your returns on fees alone.
 
Radioboy said:
I have unit trusts with Stanlib. I just have to mention that they are not cheap. I pay almost R20 in fees every time I invest R500. This excludes all the other fees that they charge. I might be wrong , but i think this is very expensive. I also have unit trusts with Coronation , and they don't charge every time you invest.

As mentioned above , please make very sure what the fees are like, otherwise , over the years you will spend quite a bit of your returns on fees alone.
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4% upfront fees? ya that doesnt sound right at all, what exactly is the description of that fee on the statement?
 
Jozsef Borbely said:
OK this is crazy, i would seriously consider moving to another provider. What are the names of the unit trusts, both for coro and stanlib.
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Yap, im working on that as we speak.

Oh, ive invested in Coronations Top 20. At Stanlib, ive invested in Property Income Fund and Balanced Income Fund.
 
Radioboy said:
Yap, im working on that as we speak.

Oh, ive invested in Coronations Top 20. At Stanlib, ive invested in Property Income Fund and Balanced Income Fund.
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Do you mean the stanlib balanced cautious?, so the coro various of that would be the coronation balanced defensive fund.

Are you planning on moving it to coro to?
 
Jozsef Borbely said:
Do you mean the stanlib balanced cautious?, so the coro various of that would be the coronation balanced defensive fund.

Are you planning on moving it to coro to?
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Sorry, i meant to say 'Balanced' fund.

Might move over to Coronation. The fact that they have no upfront fees is a bonus. Will still have to do some more research though.
 
Jozsef Borbely said:
Saving for the sake of saving, or is it for something specific?
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Who are you talking to ? :whistle:

To highjack this thread , I was wondering. Is it a good thing to have all your investments with the same management company? Or should OP invest with a wide range of managers like Coronation , AG and so forth ?
 
And here I was thinking upfront fees were only applicable when investing on recommendation of a financial planner...

I am currently investing on an ad hoc basis through etfsa and absa, only recently starting with etfs. The absa platform so far has been easy to work with, no additional fees other than what is quoted on the TER for the previous year. It is linked to my savings and moneybuilder account I have at absa, and you can use them both as source to buy unit trusts. When I used to have R20k in the moneybuilder I could use the rebate it offered it to make the external transfer to the unit trust account without paying any transaction fees. When you buy before 16:00 the units bought reflects on your account that evening. You can access your current balance and units, but they don't keep track (on the platform, but you get mailed letters) of when you bought, what dividends were distributed, and what you paid for the units, leaving you to work that out on your own, but it is OK as I manage that myself.

If you want to see whats out there:

http://www.moneyweb.co.za/moneyweb-click-a-unit-trust
http://www.morningstarresearch.co.za/za/fundquickrank/default.aspx
 
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stay away from coronation etc.Buy the SATRIX or my best bbet40.Why do you think Coronation share price has outperformed the market?...fees is the answer
 
Gerhardva said:
Thanks guys for all the positive input. Jozsef, would love to see that video. @F1, I hear you and I think you have a very valid point as well.
I have contacted both Allan Gray and Stanlib, awaiting their input.
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I have unit trusts with both of these companies and would definitely recommend Allan Gray, mostly due to better performance but also cause their fees are performance based.
 
Oh dear. Here we go with high Management Fees on UT's and other Managed Funds that chow up your gains. This is a well known fact and discussed widely on the net.
Most UT's and Fund Managers have an index to beat. None to my knowledge has beaten STXIND index. If you know of any, please let me know.
So I would suggest to go for STXIND on the JSE and not on Satrix website as it is cheaper. You will only pay a measly amount py.
This fund has done a good 30 to 40% PA for many years and it is not volatile as most stocks.
Pity I can't post a chart here of it's long term performance.
 
Marco is right, over 10 years nothing beats STXIND, possibly even over 5 years.
I have around 40% of my portfolio in it, just a little worried its run too hard for too long...
BUT, always remember, past performance is not an indication of future performance.
No-one knows what will be tops in the next 5 years, hence, always diversify.
But if you willing to take that risk, knock yourself out :)
 
Hendrix said:
Marco is right, over 10 years nothing beats STXIND, possibly even over 5 years.
I have around 40% of my portfolio in it, just a little worried its run too hard for too long...
BUT, always remember, past performance is not an indication of future performance.
No-one knows what will be tops in the next 5 years, hence, always diversify.
But if you willing to take that risk, knock yourself out :)
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Yup, the winning horse has to die some time! I've also got some of my investment in here and I'm still contributing, but I don't think it can last forever! Try ride the train while it's still going though.
 
Freaksta said:
Yup, the winning horse has to die some time! I've also got some of my investment in here and I'm still contributing, but I don't think it can last forever! Try ride the train while it's still going though.
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STXIND has done exceptionally well for many years and will continue to do so for years to come. When my pension investment has reached my goal, I will put it all in STXIND and live off it.

Pity I can't post a chart here for you to see the gains over the years and the solid non volatile history.
 
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marco said:
STXIND has done exceptionally well for many years and will continue to do so for years to come. When my pension investment has reached my goal, I will put it all in STXIND and live off it.
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Why is that the case? Can you predict the future? What data or facts do you have to support this conclusion?
 
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