Unit Trusts
Featured
- Managed investment fund in which investors’ contributions are pooled together to purchase financial securities, such as equities (shares), bonds, bank deposits etc.
- Accessibility – ability to participate in investments that may be available only to larger investors, such as foreign markets.
- Regulatory Oversight – funds are regulated by the Capital Markets Authority.
- Ease of Comparison – all mutual funds are required to report the same information to investors, which makes them easy to compare.
- Increased diversification – a fund holds many financial securities which decreases risk
- Daily liquidity – unit holders can buy and sell their units daily.
- Professional investment management – portfolio managers supervise the fund’s investments.
Money Market Fund
As low as UGX 30,000 and up to whatever amount you want to invest.
- As low as UGX 30.000 and up to whatever amount you want to invest. Can be set up by visiting Digi Trust Page.
- Diversification of investments. Gives individual investors access to a variety of investment instruments. (diverse portfolios.)
- Created by a deed, contractual agreement that governs that relationship between, you, the investor & the investment/fund manager the trustees and Capital Markets Authority.
- Economies of scale. Gives you access to investments that would otherwise be unaffordable individual investor, inaccessible to you as an
- Professional Investment management
- Easy access to funds.
- Save for multiple goals using one platform.
Minimum Sum assured 20,000,000 UGX.
- Entry Age (Min. 18 years Max. 65 years).
- Waiting period of 2 months will apply on the policy following a reinstater after a lapse,
- Sum assured, minimum & maximum is 20 million and 3 billion respectively.
- Scope cover. (death, Permanent disability, illness).
- Cash out at any point in time. (T’s & C’s apply).
- In the event of death, Presidential pays 100% of the sum assured plus accrued bonuses and the accumulated fund value.
- Investment contributions earn a discretionary 10% annual compound interest payable monthly.
- Critical illness, prudential pays 30% of the sum assured up to a maximum of 300 million. 100% of the accumulated fund if any will be paid to 28 policyholders, remaining risk premium will be waived for the remaining payment term. Death benefits are still paid when due.
- Withdrawals of 100% of the accumulated fund value plus any declared interest every 3 yrs during the premium paying term..
- Permanent / Total Disability. 100% of the sum assured up to a max. of 300 million is payable if the insured becomes impaired. 100% of the accumulated fund if only will be paid to the policy holder.
- On Survival to the end of the policy term, the policy shall be subject to refund of 69% of the total grass premiums policy
Individuals / Joint Accounts
- Copy of identification document (Preferably National ID)
- One colour passport-size photo
- Copy of recent bank statement (Last 3 months or cancelled cheque)
- Proof of residence if there is no National ID (Copy of utility bill or LC letter or residence verification letter)
Corporate / Investment Clubs / Saccos / NGOs / Religious Bodies and Others.
- Copy of Certificate of Incorporation
- Copies of signatory’s identification documents
- One colour passport-sized photo of each of the signatories
- Copy of recent bank statement not more than 3 months or cancelled cheque
- Resolution to carry out the investment on company letterhead
Assume party with a savings (investment) component
- Waiting of 2 months will apply on the policy following a reinstatement after a lapse.
- Sum assured 20m and 3 Billion.
- Scope cover.(Death, Permanent/Total Disability & critical illness
- Cash at any time (T’s and C’s) apply.
- 100% payment incase of death.
- Risk Sum assured earns a discretionary bonus (3.0%)
- Investment contributions earn a discretionary of 100% annual compound interest.
- Client qualifies to withdraw 100% of the accumulated fund value plus any declared interest every 3 years during the premium
- Cover scope (cover is for the whale of life for policy holder)
- Seve terms. (flexible payment periods / terms to age 6055).
- Min of 20% of the total premuan is allocated to the risk. This can be increased up to a max of 120%. 80% to the investment portion of the premium can be varied between 0% to a max of 80%.
- Entry age min. 18 yrs, Max 65yrs
Sanlam Unit Trust
Featured
Offers you the opportunity to start investing as low as UGX 100,000.
Funds are invested in high quality interest bearing assets such as fixed deposits & gov’t Securities in è mkt.
➔ The fund’s yield consists of compounded interest that is calculated daily and distributed monthly into the clients account.
➔ Free to set-up account (no initial fee)
➔ Low risk fund,
➔ The fund is ideal as a safe porking for money in the short term to medium form. It is a good option for individual, corporate or joint investors, Minimum Investment (UGX 100,000)
- Secure. Sanlam income fund has a capital guarantee.
- Efficiency. Quick & easy access to funds
- Interest is compounded and is calculated on a daily basis.
- Flexibility. The period to invest is not fixed or contractual
- Top-Ups. Investors can top up anytime for as low as 50.0001 =
- Managed by experienced and professional asset managers. The money
- is held by a trusted company separate from the managing company.
- Performance. Salam Income fund has performed better than the bank fixed deposits.
- Rate is equivalent to the yield of the underlying investments.
Stanbic Unit Trust
(An investment product that enables you to pool your money together with other investors (unit holders) to create a large fund.
- Investment product that enables you to pool your money together with other investors (unit holders) to create a large fund.
- This Fund is managed by a professional Unit Trust Manager who invests in a wide range of securities such as Shares, Treasury Bills to get a favorable return on your Investment
Earn Interest Daily :We generate superior returns on your investments given our understanding and experience in the investment markets that ensures you achieve your investment goals.
Convenient investing :Our platforms provide a customized experience for your investment journey by enabling you to track, make top ups and access your investments simply
Research capabilities :Our strong research capabilities ensure that your investments are dynamically tilted to maximize returns. We also help you break down the investment jargon, providing you with an understanding of the investment environment.
Professional investment services : We have a rich depth of expertise in the investment industry immersed over the years which guides asset allocation and ensures superior returns on your investments.
- Investment flexibility, fund,invests in low-risk, short-term debt instruments. These instruments typically mature within one year or less
- Investment as Collateral: Utilize your money market fund account as security for a loan (subject to approval).
- Multiple Access Points: Conveniently manage your account through USSD, web platform, and mobile app.
- Low-Risk Investment: The money market fund invests in short-term securities, minimizing exposure to market fluctuations and interest rate risk.
- Diversified Portfolio: Your investment is channeled into a well-diversified portfolio of low-risk assets, including:
- Corporate and Treasury Bonds issued by reputable institutions
- Fixed Deposits with a short maturity period
- Treasury Bills issued by the government
- Investment Flexibility: There is no fixed investment term, allowing for easy access to your funds when needed.
- Multiple Contribution Methods: Invest conveniently through direct debit, M-Pesa,Mobile money, cheques, or standing orders.
- Free Withdrawal: Enjoy one free withdrawal per month. Additional withdrawals may incur fees.
- Regular Interest :Earn interest on your investment calculated daily on allocated onto your account monthly
- Investment Flexibility. Easily switch your investment btn different funds offered by the company to adapt to your changing goals.
- Fast and Easy Access. Quick and convenient withdrawals with options. like M-Pesa and EFT.
- Zero Entry Fees. Invest without any initial charges, making it easier to get started.
- Ongoing Support. Receive monthly financial support and statements & access to valuable investment advice from our team.
- Automated Investing. Set up a cash flow plan to automate regular transfers from your money market fund to your designated alc to other investments within our company.
- Seamless, convenient way to invest your dollar funds along with a tool for investors in a diversified set of financial instruments such as bonds and dollar notes.
What you should I know before investing in a Dollar Unit Trust Fund
- Determine what your investment objective is
- Consider your risk appetite
- Consider your investment horizon and possibly whether you will need the money in the short or long term.
Note: It is important to bear in mind that the value of the unit trust will fluctuate in accordance with the underlying investments and any income may go down, as well as up.
- Low-cost access to both the fixed-income market and the stock market
- Full-time professional management of your money
- Unit trusts are flexible, transparent, easy to join and give you all-round access to investment proceeds
- One of the most tax-efficient ways of investing (provide tax exemptions on interest income, capital gains tax exemptions)
Individuals / Joint Accounts
- Copy of identification document (Preferably National ID)
- One colour passport-size photo
- Copy of recent bank statement (Last 3 months or cancelled cheque)
- Proof of residence if there is no National ID (Copy of utility bill or LC letter or residence verification letter)
Corporate / Investment Clubs / Saccos / NGOs / Religious Bodies and Others.
- Copy of Certificate of Incorporation
- Copies of signatory’s identification documents
- One colour passport-sized photo of each of the signatories
- Copy of recent bank statement not more than 3 months or cancelled cheque
- Resolution to carry out the investment on company letterhead
Suitable for small to medium sized pensioners who are seeking personal pension plans.
- Capital preservation and generation of consistent income with low to medium investment risk.
- The fund invests in interest – bearing securities offered in the market Such as treasury bills, treasury bonds, corporate bonds, fixed deposits with approved financial institutions, and other fixed income securities available in the market.
- Has a bias toward fixed-income securities offering long term value.