Tax-efficient investments

The Ninety One Life Portfolio is a tax-efficient solution to help you meet your medium- to long-term savings goals. It gives you access to a wide range of local and offshore unit trusts with the flexibility of regular withdrawals after five years.

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This tax-efficient solution can help you meet your medium- to long-term savings goals

The Ninety One Life Portfolio is a sinking fund policy that offers extensive tax benefits for investors with a tax rate of more than 30%.

You have access to a range of local and international funds covering all asset classes and risk profiles. It is also a valuable estate planning tool, enabling your beneficiaries to get the maximum benefit from the investment after you pass away.

We take care of all tax administration relevant to the investment, including calculating and paying tax on your behalf.

Benefits of the Ninety One Life Portfolio



1
There are extensive tax benefits for investors with a marginal tax rate above 30%.

2
All tax is deducted within the policy (income at 30% and capital gains at 12%).

3
Once the policy has matured, investors can enjoy a regular income stream. No income tax is payable on withdrawals (only CGT will apply).

4
There are attractive estate planning benefits.

5
No CGT is payable on death if your nominated beneficiary opts to take the benefit as a policy.

6
No executor fees apply, if you have a nominated beneficiary.

Here’s how it works

What you need to do:

Complete the Ninety One Life Portfolio application form online. Select one or more funds from our range of funds and make a once-off and/or additional contributions (certain restrictions apply).

View our Core Fund range

What happens with your money?

The fund managers invest your money in a portfolio of assets such as equities, bonds, cash and listed property, based on your fund selection.

The investment is managed on your behalf according to the fund’s objectives, for example, beating inflation over a certain time period. This plays a key role in determining the return on your investment.

Can I access my money?

  1. One interest-free loan and one surrender is permitted during the first five years (subject to limits – premium/contributions made plus 5% compound interest per year).
  2. After five years, you can choose to receive the capital as a lump sum, or you can make ad hoc/ regular withdrawals.

What amounts may be invested?

  1. Recurring investments – a minimum of R1 000 per month
  2. Lump sum – a minimum of R100 000
  3. There is no maximum investment limit during the first 12 months of the policy; thereafter, certain restrictions apply.

How long is the investment term?

  • There is a minimum investment term of five years.
  • There is no maximum investment period.

Important information

The information, views and opinions provided are general in nature, for informational purposes only, and should not be construed as advice. No action should be taken without appropriate professional guidance. We do not act as advisors or in a fiduciary capacity. While we strive for accuracy and timeliness, we make no guarantees as to completeness or correctness and are not obliged to update the information. This material does not constitute a full summary of the risks associated with any product, fund, service or strategy. Relevant risk disclosures are available in the applicable documents, which can be requested free of charge. For details on specific funds, please refer to the relevant fact sheets. For mandatory disclosures about this investment, further important information on indices, fund ratings, yields, targeted or projected performance returns, back tested results, model return results, hypothetical performance returns, the investment team, the investment process and specific portfolio names, please click here.