Albert Coetzee, Head of Global Investment Platform, highlights the crucial differences between sinking funds and endowments. In this Ninety One Masterclass, he emphasises that endowments offer creditor protection after three years and are tied to the life of the last assured, while sinking funds, like those in Ninety One’s Global and Local Life Portfolios, do not require a life assured, offering greater flexibility. This knowledge is essential for effective estate and tax planning.