New Investors

first things first

When making investment decisions, it is important to start off on the right note.

The most important question to ask yourself is – what is my objective? Is it to save for retirement? To buy your first car or house? To save for your child's education? Whatever the goal is we have the perfect product to meet your every need.

STEP 1: CHOOSE YOUR PRODUCT

PRODUCTPRODUCT DESCRIPTIONDOWNLOADS
Sygnia Direct InvestmentAn extremely flexible way of saving for short or long-term goals. Offers a range of investment options, from index tracking and offshore funds to personal share portfolios.
GOAL: DISCRETIONARY SAVINGS WITH INSTANT ACCESS
Product Brochure
Application Forms
Sygnia Tax Free Savings AccountA highly tax-efficient way of saving for short or long-term goals. Save up to R33 000 per year on a tax-free basis.
GOAL: TAX-EFFICIENT DISCRETIONARY OR RETIREMENT SAVINGS WITH INSTANT ACCESS
Product Brochure
Application Forms
Sygnia Investment PolicyA minimum investment term of five years, growing your savings in an extremely tax-efficient manner. Especially suitable for investors whose marginal tax rate is higher than 30%.
GOAL: TAX-EFFICIENT DISCRETIONARY SAVINGS WITH SOME LIMIT ON ACCESS
Product Brochure
Application Forms
Sygnia Retirement AnnuityA pension plan that builds your capital on a tax-free basis. A highly flexible and tax-efficient way of saving for retirement, evolving with your changing needs.
GOAL: LONG-TERM RETIREMENT SAVINGS
Product Brochure
Application Forms
Sygnia Preservation FundChanging jobs? Preserve your accumulated capital without losing long-term retirement savings on changing your employer.
GOAL: PRESERVE YOUR EXISTING PENSION OR PROVIDENT FUND
Product Brochure
Application Forms
Sygnia Living AnnuityA post-retirement product that allows you to invest your retirement savings and draw on those savings in a regular and tax-efficient manner. Can be purchased once you retire.
GOAL: POST-RETIREMENT INCOME PROVISION
Product Brochure
Application Forms

STEP 2: CHOOSE YOUR FUND TYPE

Sygnia offers unit trusts and unitised life funds. Depending on your product, you can use a combination of both or stick to only one.

FUND TYPEFEATURES
Unit trustPriced daily
Regulated by the Collective Investment Schemes Control Act (CISCA)
No exposure to hedge funds
Unitised life fundPriced daily (except Fund of Hedge Funds)
Regulated by the Long-Term Insurance Act
Exposure to hedge funds permitted

Not available in Sygnia Direct Investments, Sygnia Tax Free Savings Accounts or Sygnia Group Tax Free Savings Accounts.

STEP 3: CHOOSE THE FEE YOU PAY

Sygnia is determined to lower the cost of saving for all South Africans. We charge no administration fees on any of our own unit trusts or unitised life funds. Read more about our mission to limit fees or request a personalised quote for your chosen investment.

Sygnia unit trust and unitised life funds

NO ADMINISTRATION FEES apply on Sygnia unit trusts and unitised life funds.

All external-manager unit trust funds

Administration fees are charged as follows when you are invested in external-manager unit trusts:

SYGNIA INVESTMENTS
ANNUAL ADMINISTRATION FEE (EXCL VAT)
Value of all accountsSygnia FundsExternal-manager funds
First R2 000 0000.00%0.50%*
Over R2 000 0000.00%0.20%**

*  0.50% (excl. VAT) levied on the proportionate value of the external-manager funds you own below R2 million
** 0.20% (excl. VAT) levied on the proportionate value of the external-manager funds you own above R2 million.

Please note: While Sygnia does not charge any administration fees in respect of its own funds, Sygnia takes into account all your investments with us when assessing the R2 million threshold, including your investments in Sygnia funds. For the fees relating to the underlying investment managers please refer to the Sygnia Alchemy Funds document.

Browse our funds