There are different aspects to investing. Some aspects are your responsibility and others you can do in partnership with an independent financial adviser and/or an investment manager.
1. Deciding to invest
It is your responsibility to:
- Make the decision to allocate part of your budget towards the future.
- Stay invested for a reasonable length of time, and add to your investment when you can.
2. Developing a financial and investment plan to meet your goals
If your circumstances are straightforward, or you have the necessary skills and time, you can make these decisions yourself. However, a good independent financial adviser (IFA) can help you understand your financial needs and make the decisions best suited to you. IFAs take on the responsibility of developing a comprehensive long-term plan for you.
Learn more about getting financial advice.
If you decide to use an IFA, you must pay for the advice and services you receive. Depending on what you and your adviser agree, we can facilitate your fee payments as deductions from your investment:
- From your lump sum and debit orders (maximum 3%)
- From your investment on an ongoing basis (maximum 1% )
Help me find an independent adviser.
3. Making investment decisions and delivering investment return
We do this within our unit trusts. When you invest in the Allan Gray Balanced, Equity or Stable Fund you don’t need to make any decisions (what to invest in, which markets offer better value, etc).
When you invest in unit trusts, investment management fees and administration fees apply. These vary between unit trusts and therefore depend on the unit trust you select.