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- About
- Guidance
- Benefits
- Insights
- Charges
- Our solutions
- Resources
- Get in touch
About
Introduction
Invest directly in a portfolio of shares of companies listed on the stock exchange, using South Africa’s leading stockbrokers. Your investment portfolio will be managed in accordance with a proven investment philosophy and process by an experienced portfolio manager or approved third-party manager appointed by you.
- Minimum contribution
Approximately R500,000.
The minimum amounts will vary between stockbrokers and depend on your level of involvement in managing your shares.
- How long to invest for
No fixed period but a minimum of five years is recommended to limit the negative impact of short-term market fluctuations. Certain individual products may have a specific term, for example if you hold shares within an endowment policy.
- Freedom to transfer your proceeds
You can transfer the proceeds from the sale of your shares to other underlying investment options within the same product.
Guidance
How it works
Benefits
What direct investment in shares offers you
You get direct access to a wide range of shares and bonds via respected stockbrokers who trade on your behalf according to your needs and risk appetite.
It may be more affordable for you to invest in shares via Glacier (as opposed to directly), because we negotiate reduced stockbroking rates on your behalf.
You can make a smooth transfer between your shares and unit trust funds at any time. You can combine your share portfolio with collective investments as the underlying investments in the Glacier Vantage Life Plan, Investment Plan, Investment-Linked Living Annuity, Retirement Annuity or Preservation Fund.
You have control over how involved you are with the decisions of the stockbroker:
Execution only – The stockbroker simply carries out the instructions that they receive
Discretionary – The stockbroker manages the portfolio on your behalf
You can invest across asset classes, which means you have lower risk exposure than with a pure equity portfolio.
We keep you updated on the value of your shares on a daily basis, which makes it easy to manage your portfolio.
Insights
Understanding shares and risk
The risk level of shares is highly subjective and will change according to different views, events and circumstances. However, overall shares have greater short-term price movements. It's therefore important to stay focused on your long-term investment goals and to not act on short-term changes in the markets.
Your share portfolio manager will take these risks and your risk appetite and financial needs into account.
Charges
Tax and fees
Fees vary between investments. Please speak to your financial intermediary to make sure you pay the correct fees and that you understand which fees you pay and why.
Tax details
If you invest through the Investment Plan or Glacier Vantage Life Plan, you will pay capital gains tax and income tax. We recommend that you speak to you financial planner for more details about the tax implications.
Our solutions
Build a secure future for you and your family with our range of investment solutions.
Invest in the financial markets to grow your assets – whether it is to pay off debt, save for your children’s education, contribute to your retirement savings, or simply to ensure financial security.
- Our Solutions
Glacier Investment Plan
Invest your capital and grow your wealth in a personal investment portfolio, customised by you and your intermediary to suit your needs and tolerance for risk.
Glacier Vantage Life Plan
Get peace of mind with a tax-efficient investment that will pay out to your loved ones at the death of the last life insured.
Glacier Tax-free Investment Plan
Investment income earned within the plan, as well as capital gains are tax free; you can adjust your portfolio when your needs and risk appetite change and it is easy to access your money if you need to.
resources
Find additional resources to support your financial journey
Additional resources
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| Glacier Vantage Life Plan | ||
| Investment Plan | ||
| Investment-Linked Living Annuity | ||
| Retirement Annuity | ||
| Preservation Fund |
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Glacier Vantage Life Plan
Investment Plan
Investment-Linked Living Annuity
Retirement Annuity
Preservation Fund