Learn why Allan Gray is the largest and most trusted investment house in South Africa.
ABOUT ALLAN GRAY
Learn more by downloading their company brochure here:
HERE ARE SOME EXCERPTS:
Investment approach
Allan Gray thoroughly researches companies to determine what they think they are actually worth. They then buy shares that they believe are undervalued by the market and sell them when they think they have reached their worth, regardless of popular opinion. They invest responsibly, with their priority being to protect and enhance the value of their clients’ investments.
What Allan Gray offers:
1. Allan Gray unit trusts: You can invest in unit trusts for all your financial goals, from saving for longer-term needs to meeting your shorter-term objectives. Unit trusts give you easy and affordable access to financial markets, as well as the flexibility to access your investment if you need to. We will carefully manage your chosen unit trust investments according to our proven investment philosophy. To build your long-term wealth with us, you can invest monthly or start with a lump sum, subject to our minimums (see page 33). Learn more about our unit trusts on page 13. You can invest directly in our unit trusts, or invest in unit trusts via one of our investment products that suit your needs and circumstances.
2. Allan Gray Tax-Free Investment: Account If you are investing for the long term, or are already paying income or capital gains tax on existing investments, our tax-free investment account allows you to benefit from tax savings on your investment return and can be used for estate planning. Learn more about our tax-free investment account on page 15.
3. Allan Gray Retirement Annuity Fund: You can save for your retirement using our retirement annuity (RA). An RA gives you tax savings and a measure of protection, but comes with some restrictions. You usually cannot access your money until you retire. Learn more about our retirement annuity on page 17.
4. Allan Gray preservation funds: You can transfer your existing retirement savings from an employer’s retirement fund (or from another retirement fund) to one of our preservation funds. Although you cannot continue contributing, you keep the tax benefits of your original fund and your investment return is not taxed. Learn more about our preservation funds on page 23.
5. Allan Gray Group Retirement Annuity: You can set up an efficient retirement savings solution for you and your employees with the Allan Gray Group Retirement Annuity system. Individual unit trust-based RAs are managed on a group basis, with minimal administration requirements for you, while your employees get all the benefits of having their own RA, including tax advantages, control of their 3 | PRODUCT RANGE investment choices, flexibility and portability. Learn more about our group retirement annuity on page 21.
6. Allan Gray Living Annuity: You can invest your retirement savings and draw an income with our living annuity (LA). You can choose how much income to draw, within the legal limits, and you can change your income amount or the frequency of your payments every year. Learn more about our living annuity on page 25.
7. Allan Gray Endowment: If your marginal income tax rate is higher than 30%, you can use an endowment for your long-term savings goals to benefit from tax savings and for estate-planning purposes. Learn more about our endowment on page 30.
8. Invest offshore through Allan Gray: Investing offshore allows you to spread your investment risk across different economies and regions. It also gives you access to industries and companies that may not be available locally. Learn more about offshore investments on page 27.
9. Invest in unit trusts from other investment managers: You can benefit from manager diversification by investing in unit trusts from other investment managers via our investment platform. Learn more about the unit trusts on our investment platform on page 31.
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SOME INVESTMENT HOUSES MARCEL REPRESENTS
MARCEL IS A REGISTERED ALLAN GRAY ADVISOR
HOW MUCH DOES IT COST TO INVEST WITH ALLAN GRAY?
There is what they have to say:
There are three types of fees that may apply to your investment:
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Investment management fees
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Administration fees
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Advice fees
These fees may be deducted from your investment before buying units in the unit trust(s) you have selected (“initial fees”), or may be calculated and accrued daily based on the market value of your investment at the end of each day, and deducted monthly (“annual fees”).
1. Investment management fees:
These are annual fees charged by each unit trust’s investment manager for investment management. They are deducted within the unit trust, and are therefore accounted for in the unit trust’s published performance figures. The fee structures vary between unit trusts; fees may be fixed or based on the performance of the unit trust. To compare costs across unit trusts with different fee structures, you can look at the total expense ratio (TER) for investment management and transaction costs. This is the unit trust’s TER less any administration fee included in the investment management fee and passed on to us for the administration we perform. The TER is not a separate fee, but a measure of the unit trust’s actual expenses.
For more information on how each unit trust calculates its investment management fee, please refer to the relevant unit trust’s minimum disclosure document and our fund list, which are available at www.allangray.co.za or from our Client Service Centre.
2. Administration fees:
For investments in Allan Gray’s rand-denominated unit trusts, we charge an annual administration fee (incl. VAT) of 0.23%. For investments in all other unit trusts, we charge a maximum annual administration fee (incl. VAT) of 0.58%.
In some cases a portion of the investment management fee is passed on to us by the investment manager for the administration we perform. We then reduce the administration fee we charge you and deduct only the outstanding portion from your account. If the amount passed on to us for administration exceeds the total administration fee, you will receive the excess as additional units in your account.
3. Advice fees
For all products except the Allan Gray Living Annuity, initial fees are subject to a maximum of 3.00%. The annual fee is subject to a maximum of 1.00%, unless the initial fee exceeds 1.50% in which case the maximum annual fee is 0.50%. A maximum initial adviser fee of 1.50% (excl. VAT) may be charged on the Allan Gray Living Annuity. Ongoing annual adviser fees are limited to a maximum of 1.00% (excl. VAT).
Financial adviser fees are agreed between you and your adviser for financial advice and services provided. There are no transaction fees or penalties You can make changes to your investment at any time without paying transaction fees or penalties. We will not reduce your investment value if you make changes to your investment.