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We mainly make use of Collective Investments Schemes (also known as Unit Trusts) for saving and retirement products.

Collective Investment Schemes pool the funds of various investors to professionally manage large portfolios of various asset classes. These asset classes may include shares, debt securities, money market securities or a combination of any of these. Each investor holds a pro-rata share of a portfolio and they are entitled to the profits and losses that accrue to the funds in that portfolio.

Collective Investment Schemes hire full-time investment professionals to manage the investment portfolios. These managers have real-time access to crucial market information and they are able to execute trades in a very quick and cost-effective manner.

Collective Investment Schemes invest in a broad range of securities. This limits investment risk by reducing the investor’s exposure to a possible decline in the value of any one security. This implies that investors may benefit from diversification techniques that are usually only available to large investors who are able to buy significant positions in a wide variety of securities.

Collective Investment Schemes allow investors to participate via a lump sum or monthly debit order in diversified portfolios at a relatively low cost.

An investor in a Collective Investment Scheme would invest in a range of funds and enjoy the benefits of a diversified portfolio with a wide range of services. Fund managers are also responsible for deciding which securities to trade and they ensure that dividend payments are received and investor rights are exercised.

Collective Investment Schemes only make use of the services of high quality custodians and registrars to make sure that investors have ease of mind.

Collective Investment Schemes allow for investment with no specific term, no exit penalties and have access to funds within 3 working days.

Investors receive quarterly valuation statements with all relevant information regarding fees, dividends, interest and capital growth.

Retirement Annuities

We also mainly make use of Collective Investment Schemes for retirement annuities.

Retirement Annuities

You are not taxed on transfers of your retirement benefit to a preservation plan. Tax-free investment growth leading up to retirement under current tax laws, the investment returns within the retirement product is not taxable. You can make one taxable withdrawal for each transfer into the preservation option before retirement, provided that you have not made a previous withdrawal.

Visit the website: www.capita.org.za for more information and monthly fund fact sheets. Product Providers:

  • Momentum Wealth
  • PPS Investments
  • Old Mutual Wealth
  • Sanlam Glacier
  • Stanlib
  • Allan Gray

Retirement Income

If you prefer a market-linked retirement income and want to be able to transfer the investment value on to your beneficiaries, then the Retirement Income Option is the best choice for you.

You are allowed to select your income, between 2,5% and 17,5% of your investment value, each year. You may only change your selected income percentage once a year on the anniversary of the investment. This flexibility means that you have greater control over your investment and your income.

The Retirement Income Option is a market-linked annuity that allows you to benefit from investment in financial markets.

You can:

  • together with your financial adviser, manage the overall composition of your investment portfolio,
  • switch between investment options whenever you need to, and
  • manage your investment and choice of underlying investment options.

When you die, your remaining investment will pass directly to your nominated beneficiaries. If you did not nominate any beneficiaries, the investment will form part of your deceased estate.


Capitaux uses its in-house multi-manager, Capita Asset Management Trust, for its portfolio construction based on the best blend of managers that compliments each other.

The success of Capita`s stringent selection process for its asset allocators coupled with the emphasis on its portfolio construction, is illustrated in its consistent performance.

Capita blends similar mandates in its portfolios with different styles to manage performance expectations as accurately as possible in terms of the way assets are allocated and actively managed.

Capita Asset Management Trust provides consistent, focused asset management for its clients. Visit Website