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Local Unit Trusts Local Unit Trusts

The information on the Adviser and Institutional areas of this site have been tailored for investment professionals. Appropriate product, fund and service information for private investors can be accessed on the Personal area of our site. Terms & conditions .

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Local Unit Trusts

Take control of your financial future by investing in our range of unit trust investments.

Whatever your investment goal, we can help you create and grow your investment portfolio through our range of unit trusts. By investing in a Sanlam unit trust, you gain access to the expertise of South Africa’s top investment managers.

You don’t have to invest a lot of money or spend time to understand and navigate the share markets yourself. Our dedicated investment team has the proven skills to manage risks and to create consistent, sustainable performance.

How it Works

How Unit Trusts

Invest Online


Invest in a
Unit Trust.

How Unit Trust Investments Work

  • A unit trust is divided into equal portions called units.
  • Each unit has a price, which is based on the underlying value of the assets that make up the investment portfolio.
  • When you invest in a unit trust, you receive units according to the amount of money you invest and the price of the units on the day you buy them. For example if the price per unit is R10.00 and you invest R1000, you will receive 100 units.
  • Units are priced daily because the value of the underlying assets in the investment portfolio changes every day in line with market movements.

Investing made smart, quick and convenient.

By telling us a little about your life and your personal finance goals, our online investment tool will quickly determine which products best meet your needs. This means that you can invest from anywhere, at any time. And because there are no hidden commissions or account fees and you get access to index-tracking investments, you’ll end up saving more and making more.

Our online investment process is simple, here’s how it works:

Set your personal goals.

Set your risk profile.

Set up your contribution.

Start investing.

Our Fund Offerings

View our Minimum Disclosure Documents
To view our daily prices, visit our Daily Prices page.


View, print and complete the form of your choice.

Email or fax the completed form to or 0860 724 467

Application Form – Individual Investors (new investors only) ENG  |  AFR
Application Form – Non-Individual Investors (new investors only) ENG  |  AFR
Application Form – Tax-Free Unit Trusts (new investors only) ENG  |  AFR
Additional Investment Form (existing investors) ENG  |  AFR
Cession Form ENG  |  AFR
Dividends Tax Form - DTD(EX) - Exemption from tax ENG  |  AFR
Dividends Tax Form - DTD (RR) - Reduced rate of tax ENG  |  AFR
FICA Individual ENG  |  AFR
FICA Non Individual Legal Entities ENG  |  AFR
Investor Details Update Form ENG  |  AFR
Disinvestment Form ENG   |  AFR
Switching Form ENG  |  AFR
Transfer Form ENG  |  AFR
Withholding Tax on Interest Declaration Form (WTI) ENG  |  AFR
Tax information addendum ENG  |  AFR


*Total expense Ratio - September 2016 Download PDF

View the Secure Services User Guide and New Daily Activity documents

Effective Annual Cost (EAC)

Effective Annual Cost (EAC) is a measurement aimed at standardising cost disclosures across different investment products. EAC is expressed as a percentage of the investment amount. It provides a summary measure of cost across four components, namely investment management charges, advice charges, administration and other charges. The aim is to help investors make better informed decisions about the costs they are likely to incur when investing and the impact these charges could have on investment returns. However, it does not measure the features of a product.

The measure was introduced by the Association for Savings and Investments South Africa (ASISA) to help align the investments industry more fully with the principles of Treating Customers Fairly (TCF). ASISA provides clear guidelines on how EAC should be calculated and disclosed for investment products. EAC is aimed at helping clients compare costs across different investment products.

EAC is a summary measure derived from four components: investment management charges, advice charges, administration and other charges. ASISA prescribes how costs are classified as well as the calculation periods. The disclosure periods are one year, three years, five years and 10 years for unit trust investments. In terms of the prescribed calculation methodology, it is assumed that the client disinvests fully at the end of each of these periods. The ASISA standard on Effective Annual Cost is available on the ASISA website at

EAC is being introduced in a phased manner. The standard requires that EAC is disclosed for new investments from October 2016. From October 2017, EAC disclosures will take place annually for new investments and whenever a qualifying event occurs. Qualifying events include additional investments, increases in debit orders, and changes to a fee arrangement with your adviser.

No matter what your investment or aspiration, there's a unit trust to meet your requirements.

Call us or email us for details.

Sanlam Life Insurance is a licensed financial service provider.
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