Equinox.co.za - Unit Trusts Online

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Equinox Retirement Products are simple, transparent and flexible investment options that allow you to take control of your own retirement planning

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The Financial Services industry offers what seems a bewildering array of investment products. This is further complicated by the fact that in recent years, life assurance companies have started to offer very similar products.

In fact, it is all pretty simple. Every investment product invests in a mix of the three major asset classes. Most of them will do so largely through a basket of unit trusts, generally with similar objectives to our Recommended Portfolios. In return for this, the investor pays an extra layer of management fees, and often broker fees.

Managed Funds

Managed funds are generally a number of separate investments with a linked product company or stockbroker in which the investor has direct ownership. The underlying investments most often consist of unit trusts, but are not restricted to any particular asset class - they can represent virtually any type of security.

Investment decisions involved in buying, selling and switching unit trust investments are passed on to professional managed fund managers, who charge a fee for their service.

Typically, managed funds are sold by linked product companies to investors who would like a range of investments in order to balance a portfolio. There is no joint ownership of assets among investors and individual ownership of the units should be transparently demonstrated at all times.

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All investments, including unit trusts, carry risk. The value of your investments can go down as well as up. Information and opinion provided on this website is of a general nature. It does not take into account any person's specific circumstances. It is not intended to provide personalised financial advice, and should not be construed as such.