Save for your child’s education
Saving for your child’s education using unit trusts gives you control over your investment: you decide how to invest, when to access the money and what to do with it, based on which years of education you are planning for.

You decide how much to invest, anything from R500 a month. If you don’t want to invest monthly, you can also invest via lump sums.

You can make changes to your investment and withdraw as you need to, no transaction fees and no penalties.

Unit trusts give you the transparency of knowing how your money is invested and seeing how it is growing.
Choose unit trusts that suit your education savings plan
We offer a simple range of unit trusts to meet your short and longer-term education savings goals. When you choose unit trusts there is a trade-off between higher potential return on the one hand, and stability and lower risk on the other.
- If you will be paying school fees from your investment within the next year or two you may wish to invest the money you need access to in unit trusts that offer more stability.
- If you are saving for the later years of education, you can invest money you won’t need for a few years into unit trusts that have the potential for higher return over time. You need to be comfortable with your investment value moving up and down over the short to medium term.
The way you decide to structure your investment depends on which years of education you want to invest for. Keep in mind that you can invest for different time frames at the same time.
Higher risk & return
Higher potential long-term return
Higher investment risk and fluctuation
Stability & lower risk
Stability and low risk
Lower potential return over time
Potential for higher long-term return, with more significant fluctuation that could last for many years.
Our flagship long-term unit trust. Steady long-term return with moderate fluctuation.
Less fluctuation with above-inflation return. There may be some fluctuation within a two-year period.
Most stability with higher return than bank deposits. May not beat inflation over time but is suitable for short-term needs.
Other unit trust options
If you would like offshore exposure, you can invest in the Allan Gray-Orbis rand-denominated offshore unit trusts. These are listed in the “local unit trusts” section on our Latest prices, factsheets and performance page.
We also have specialist unit trusts (the Allan Gray SA Equity Fund, the Allan Gray Bond Fund and the Allan Gray Optimal Fund), which may be more suitable for experienced investors who are comfortable building their own investment portfolio.
If you want to include diversification in your investment strategy, you may also want to invest in unit trusts from other investment managers.