Tax-efficient investments

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

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

01

There are extensive tax benefits for investors with a marginal tax rate above 30%.
02

All tax is deducted within the policy (income at 30% and capital gains at 12%).
03

Once the policy has matured, investors can enjoy a regular income stream. No income tax is payable on withdrawals (only CGT will apply).
04

There are attractive estate planning benefits.

05

No CGT is payable on death if your nominated beneficiary opts to take the benefit as a policy.
06

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 View our Quality Approved list of funds

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

All information and opinions provided are of a general nature and are not intended to address the circumstances of any particular individual or entity. We are not acting and do not purport to act in any way as an advisor or in a fiduciary capacity. No one should act upon such information or opinion without appropriate professional advice after a thorough examination of a particular situation. We endeavour to provide accurate and timely information but we make no representation or warranty, express or implied, with respect to the correctness, accuracy or completeness of the information and opinions. We do not undertake to update, modify or amend the information on a frequent basis or to advise any person if such information subsequently becomes inaccurate. Any representation or opinion is provided for information purposes only.

In the event that specific funds are mentioned please refer to the relevant fact sheet in order to obtain all the necessary information in regard to that fund.

Collective Investment scheme funds are generally medium to long term investments. The value of participatory interests may go down as well as up and past performance is not necessarily a guide to the future. Funds are traded at ruling prices and can engage in borrowing and scrip lending. The fund may borrow up to 10% of its market value to bridge insufficient liquidity. A schedule of charges, fees and adviser fees is available on request from the manager. Additional adviser fees may be paid and if so, are subject to the relevant FAIS disclosure requirements.

Investment Team: There is no assurance that the persons referenced herein will continue to be involved with investing for this Fund, or that other persons not identified herein will become involved with investing assets for the Manager or assets of the Fund at any time without notice.

Investment Process: Any description or information regarding investment process or strategies is provided for illustrative purposes only, may not be fully indicative of any present or future investments and may be changed at the discretion of the manager without notice. References to specific investments, strategies or investment vehicles are for illustrative purposes only and should not be relied upon as a recommendation to purchase or sell such investments or to engage in any particular strategy. Portfolio data is expected to change and there is no assurance that the actual portfolio will remain as described herein. There is no assurance that the investments presented will be available in the future at the levels presented, with the same characteristics or be available at all. Past performance is no guarantee of future results and has no bearing upon the ability of Manager to construct the illustrative portfolio and implement its investment strategy or investment objective.

Certain Ninety One SA funds are offered as long-term insurance policies issued by Ninety One Assurance Limited, a registered insurer in terms of the Long-term Insurance Act. These pooled products are administered by Ninety One SA (Pty) Ltd (an authorised financial services provider) and underwritten by Ninety One Assurance Limited.

This is the copyright of Ninety One SA (Pty) Ltd and its contents may not be re-used without Ninety One’s prior permission. Ninety One SA (Pty) Ltd is a member of the Association for Savings and Investment SA (ASISA). Ninety One SA (Pty) Ltd & Ninety One Investment Platform (Pty) Ltd are authorised financial services providers.

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