The Ultimate Unit Trust Guide The Guide to South African Unit Trusts A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | Q | R | S | T | U | V | X | Y | Z Note: Independent assessments are dated to indicate when they were conducted and their period of relevancy. All graphs show a five year price history current to last night's close on the JSE and appear courtesy of BFA-NET. These graphs will only be visible to users with a Java-enabled browser. To find out more about the interactive technical analyses options, click here. Unit Trust Purchasing Guide Open purchasing guide PDF file in browser using Acrobat plug-in. [PDF 55kb] Download purchasing guide PDF file in compressed format. [ZIP 23kb] Please tell me how to use the PDF resource New classification system for unit trust funds Use trusts in tax havens to reduce costly estate duty Most global unit trust funds not legal in SA Sanlam seeks thousands of 'lost' policyholders First news from Old Mutual on its rules for free shares Free shares will be a tax-free windfall Unit trust funds set to dump confusing yield figures Endowments are ideal if you don't have the willpower to save Investec picks young, fast thoroughbreds for its theme management The bible of SA unit trusts delivers on most of its promises Revised unit trust reclassification list Building a nest egg for your old age Advice for new investors Deciding on the fund for you Avoid the past performance trap The truth behind those figures Low-down on high-income funds Unit trusts take a beating but survive market gyrations Lower the risk of equity investment through diversification Dispeling the myths surrounding unit trust investments Unit trust toll-free numbers come clean -- mostly Mandate says whether fund takes growth or value route A fund's volatility can help predict returns Industrial funds carry a low risk Where to channel your unit trust complaints Money market funds offer low risk investment potential It's not the size that counts Dial in savings by going direct Get your investment managed for you Diversify in one step with new type of unit trust fund Put your unit trust through the efficiency test Knowing how to choose your unit trust funds well Information vital to help new investor select the correct fund Tread carefully in Jekyll and Hyde world of unit trusts Make more with the direct approach Coming to terms with unit trust volatility Back to the top A ABSA BALANCED FUND BT Fund Review | Graph ABSA FIN & IND INDEX BT Fund Review | ABSA GENERAL FUND BT Fund Review | ABSA GROWTH FUND Graph ABSA INTERNATIONAL FUND Graph ABSA INCOME FUND BT Fund Review | Graph ABSA MONEY MARKET FUND Graph ABSA SPECIALIST GROWTH FUND BT Fund Review | Graph ALLAN GRAY EQUITY FUND Graph Back to the top B BOE GROWTH FUND BT Fund Review | Graph BOE GLOBAL FUND BT Fund Review | Graph BOE EMERGING FOCUS FUND BT Fund Review | Graph BOE INCOME FUND BT Fund Review BOE MANAGED FUND BT Fund Review | Graph BOE PEOPLES BENEFIT INCOME Graph BOE VALUE FUND Graph BRAIT FINDI FUND Graph BRAIT SUPERHIGHWAY FUND Graph BRAIT PHAMBILI FUND Graph BRAIT GROWTH FUND Graph BRAIT INTERNATIONAL FUND Graph BRAIT MANAGED FUND Graph Back to the top C CAPITAL ACCELERATED GROWTH FUND Graph CAPITAL FILDI FUND Graph CAPITAL PHABILI FUND Graph COMMERCIAL UNION GROWTH FUND BT Fund Review | Graph COMMERCIAL UN INCOME FD Graph COMMUNITY GROWTH FUND BT Fund Review | Graph COMMUNITY INCOME FUND Graph CORONATION ALSI 40 TRACK FUND BT Fund Review | Graph CORONATION BALANCED FUND BT Fund Review | Graph CORONATION HIGH GROWTH FUND BT Fund Review | Graph CORONATION INTL GROWTH FUND Graph CORONATION NAMIBIA BALANCED FUND Graph CORONATION SPECIALIST BOND FUND BT Fund Review | Graph CORONATION SPECIALIST GROWTH FUND BT Fund Review | BT Fund Review | Graph CORONATION CONSOLIDATED GROWTH Graph CORONATION FINANCIAL GROWTH Graph CORONATION NEW ERA GROWTH Graph Back to the top F FEDGRO GROWTH FUND BT Fund Review | Graph FEDGRO GLOBAL FUND BT Fund Review | Graph FEDGRO INCOME FUND BT Fund Review | Graph FEDGRO INDEX FUND BT Fund Review | Graph FEDSURE FINANCIAL SERVICES Graph FEDSURE GILT FUND Graph FEDSURE MULTIFUND Graph FEDSURE VALUE FUND Graph FLEMING MARTIN ACORN GROWTH BT Fund Review | Graph FLEMING MARTIN LIBRA BALANCED FUND BT Fund Review Graph FNB BALANCED FUND Graph FNB GROWTH FUND Graph FRANKLIN BOND FUND Graph fRANKLIN EQUITY FUND Graph FRANKLIN GROWTH FUND Graph FRANKLIN MICROCAP FUND Graph Back to the top G GRYPHON IMPERIAL SA TRACKER BT Fund Review | GUARDBANK MONEY MARKET FUND Graph GUARDBANK GLOBAL FUND BT Fund Review | Graph GUARDBANK GROWTH FUND BT Fund Review | Graph GUARDBANK CAPITAL FOCUS FUND BT Fund Review | Graph GUARDBANK INCOME FUND BT Fund Review | Graph GUARDBANK INDUSTRIAL FUND BT Fund Review | Graph GUARDBANK PROSPERITY FUND BT Fund Review | Graph GUARDBANK RESOURCES FUND Graph GUARDBANK STABILITY FUND BT Fund Review | Graph Back to the top GUARDBANK RSA SMALL CAP FUND Graph GUARDBANK RSA EQUITY FUND BT Fund Review | Graph I INVESTEC ACTIVE FUND BT Fund Review | Graph INVESTEC COMMODITY FUND Graph INVESTEC EMERGING CO'S FUND BT Fund Review | Graph INVESTEC EQUITY FUND BT Fund Review | Graph INVESTEC GILT FUND Graph INVESTEC GROWTH FUND BT Fund Review | Graph INVESTEC HIGH INCOME FUND BT Fund Review | Graph INVESTEC INDEX FUND BT Fund Review | Graph INVESTEC MANAGED FUND BT Fund Review | Graph INVESTEC MONEY MARKET Graph INVESTEC VALUE FUND Graph INVESTEC NAMIBIAN EQUITY FUND Graph INVESTEC WORLDWIDE FUND BT Fund Review | Graph Back to the top M MARRIOT EQUITY FUND BT Fund Review | BT Fund Review MARRIOT INCOME FUND BT Fund Review | Graph MARRIOT PROPERTY FUND Graph M3 BALANCED FUND Graph M3 CAPITAL GROWTH FUND BT Fund Review | Graph METLIFE GENERAL EQUITY FUND BT Fund Review | Graph METLIFE GILT FUND Graph METROPOLITAN GILT FUND BT Fund Review | METLIFE INCOME FUND Graph METLIFE MONEY MARKET FUND Graph METBOARD MANAGED FUND Graph METLIFE NAMIBIA FUND Graph METLIFE RESOURCES FUND Graph Back to the top N NBS EQUITY FUND Graph NBS INCOME FUND Graph NEDBANK ENTREPRENEUR FUND BT Fund Review | Graph NEDBANK GROWTH FUND BT Fund Review | Graph NEDBANK MANAGED FUND Graph NEDBANK SYNCHRO FUND BT Fund Review | Graph NIB ALTITUDE FUND BT Fund Review | NIB HORIZON EQUITY FUND BT Fund Review | NIB SYFRETS BALANCED FUND Graph NIB SYFRETS EMERGING CO FUND Graph NIB SYFRETS FLEXIBLE FUND Graph NIB SYFRETS GILT FUND Graph NIB SYFRETS GROWTH FUND Graph NIB SYFRETS INCOME FUND Graph NIB SYFRETS INTELLECTUAL CAPIT Graph NIB SYFRETS LIFE ASSET ACCUM Graph NIB SYFRETS LIFE INCOME FUND Graph NIB SYFRETS LIFE WEALTH FUNDD Graph NIB SYFRETS MAX INCOME FUND Graph NIB SYFRETS MINING FUND Graph NIB SYFRETS PRIME SELECT Graph NIB SYFRETS SELECTED OPP FUND Graph NIB SYFRETS UNIV OPP FUND Graph NIB SYFRETS VALUE FUND Graph NIB WEALTH CREATOR FUND BT Fund Review | Graph Back to the top NIB SELECT FUND BT Fund Review | NORWICH UNIT TRUST BT Fund Review | Graph NORWICH BONUS FUND BT Fund Review | Graph NORWICH BALANCED FUND Graph NORWICH FLEXIBLE FUND Graph NORWICH WEALTH SPECIALIST FUND BT Fund Review | Graph NORWICH MONEY MARKET FUND Graph NORWICH OASIS CRESCENT FUND Graph NORWICH PIONEER FUND Graph O OLD MUTUAL CONSUMER FUND Graph OLD MUTUAL FINANCIAL SERVICES FUND Graph OLD MUTUAL FLEXIBLE FUND BT Fund Review | Graph OLD MUTUAL GILT FUND BT Fund Review | Graph OLD MUTUAL GLOBAL EQUITY FUND BT Fund Review | Graph OLD MUTUAL GOLD FUND BT Fund Review | Graph OLD MUTUAL MONEY MARKET FUND Graph Back to the top OLD MUTUAL GROWTH FUND BT Fund Review | Graph OLD MUTUAL GOLD FUND BT Fund Review OLD MUTUAL INVESTORS FUND BT Fund Review | Graph OLD MUTUAL INDUSTRIAL FUND BT Fund Review | Graph OLD MUTUAL MINING FUND Graph OLD MUTUAL NAMIBIA GROWTH FUND Graph OLD MUTUAL NAMIBIA TRUST FUND Graph OLD MUTUAL SMALL COMPANY FUND BT Fund Review | Graph OLD MUTUAL SENTINEL FUND BT Fund Review | Graph OLD MUTUAL TOP COMPANIES FUND BT Fund Review | Graph OLD MUTUAL INCOME FUND BT Fund Review | Graph OLD MUTUAL INVESTORS FUND BT Fund Review | Back to the top P PMB PERFORMANCE FUND OF FUNDS BT Fund Review | PRESTASI SA TRACKER FUND BT Fund Review | Graph PRUDENTIAL MANAGED FUND Graph PSG BALANCED Graph PSG GROWTH FUND BT Fund Review | Back to the top R RMB 40 FUND BT Fund Review | Graph RMB ASSET FUND OF FUNDS Graph RMB BALANCED FUND BT Fund Review | Graph RMB CONSUMER FUND Graph RMB EQUITY FUND BT Fund Review | BT Fund Review | Graph RMB FINANCIAL SERVICES FUND Graph RMB GILT FUND BT Fund Review | Graph RMB MAXIMUM INCOME FUND BT Fund Review | Graph RMB PERFORMANCE FUND OF FUNDS Graph RMB TOP 40 INDEX FUNDS Graph RMB VALUE FUNDS Graph RMB STRATEGIC OPTIONS FUND BT Fund Review | Graph RMB STRATEGIC OPORTUNITIES FUND BT Fund Review | Graph Back to the top S SAGE FUND BT Fund Review | BT Fund Review | Graph SAGE FINANCIAL SERVICES FUND BT Fund Review | Graph SAGE GILT FUND BT Fund Review | Graph SAGE GLOBAL FUND Graph SAGE PERFORMER FUND BT Fund Review | Graph SAGE RESOURCE FUND Graph SAGE SCITECH FUND Graph SAGE MONEY MARKET FUND Graph SANLAM DIVERSIFIED FUND Graph SANLAM EMPLOYMENT EQUITY TRUST Graph SANLAM FUTURE TRENDS FUNDS BT Fund Review | SANLAM GENERAL EQUITY BT Fund Review | Graph SANLAM GILT FUND Graph SANLAM GLOBAL TRUST BT Fund Review | Graph SANLAM INCOME TRUST Graph SANLAM INCOME FUND BT Fund Review | Graph SANLAM INDEX TRUST BT Fund Review | Graph SANLAM INDUSTRIAL TRUST BT Fund Review | Graph SANLAM MINING TRUST Graph SANLAM MONEY MARKET FUND Graph SANLAM NAMIBIA GROWTH TRUST Graph SANLAM NAMIBIA INCOME TRUST Graph SANLAM OPTIRAND TRUST Graph SANLAM PRIME GROWTH TRUST BT Fund Review | Graph SANLAM PROVIDER TRUST BT Fund Review | Graph SANLAM SELECT TRUST BT Fund Review | BT Fund Review | Graph SOUTHERN INCOME FUND Graph SOUTHERN EQUITY FUND BT Fund Review | Graph SOUTHERN BOND FUND Graph SOUTHERN GLOBAL FUND BT Fund Review | Graph SOUTHERN MINING FUND Graph SOUTHERN MANAGED FUND Graph SOUTHERN INCOME FUND BT Fund Review | SOUTHERN PURE SPECIALIST FUND BT Fund Review | Graph STANDARD BANK MNG& RESOURCES Graph STANDARD BANK MUTUAL FUND BT Fund Review | Graph STANDARD BANK EMERGING COMPANIES BT Fund Review | Graph STANDARD BANK EXTRA INCOME FUND BT Fund Review | STANDARD BANK MINING & RESOURCE Graph STANDARD BANK GOLD FUND BT Fund Review | Graph STANDARD BANK GILT FUND Graph STANDARD BANK GROWTH FUND BT Fund Review | Graph STANDARD BANK INCOME FUND Graph STANDARD BANK INDUSTRIAL FUND BT Fund Review | Graph STANDARD BANK INDEX FUND BT Fund Review | Graph STANDARD BANK INTERNATIONAL BT Fund Review | Graph STANDARD BANK MANAGED FUND BT Fund Review | Graph STANDARD BANK MONEY MARKET Graph SYFRETS ADVANTAGE EQUITY BT Fund Review | BT Fund Review SYFRETS BALANCED FUND Graph SYFRETS DEFENSIVE FUND Graph SYFRETS INCOME FUND BT Fund Review | Graph SYFRETS GROWTH FUND BT Fund Review | Graph SYFRETS GILT FUND Graph SYFRETS HIGH YIELD FUND Graph SYFRETS INTERNAL FUND Graph SYFRETS MINING & RESOURCE FUND Graph SYFRETS PRIME SELECT FUND BT Fund Review | Graph SYFRETS STRATEGIC FUND Graph SYFRETS TRUSTEE FUND Graph SYFRETS UNIVERSAL OPPORTUNITY FUND BT Fund Review | Graph Back to the top U UAL ASSET ACCUMULATOR FUND Graph UAL BLUE CHIP GROWTH BT Fund Review | UAL EMERGING CO's BT Fund Review | Graph UAL GILT UNIT TRUST Graph UAL INCOME PROVIDER FUND Graph UAL LIFETIME WEALTH CREATOR FUND BT Fund Review | Graph UAL MINING AND RESOURCES FUND Graph UAL MANAGED FUND BT Fund Review | Graph UAL MAXIMUM INCOME FUND Graph UAL SELECTED OPPORTUNITIES BT Fund Review | Graph UAL UNIT TRUST Graph Back to the top About the Guide What the measures mean Why can't I see the graphs? About the other resources on this page What the measures mean All graphs show a five year price history current to last night's close on the JSE and appear courtesy of BFA-NET. Bear in mind that these are measures designed for evaluating shares on the stock exchange, as so many may not be directly applicable to the unit trust market. Bollinger Band Linear regression MACD RSI Stochastic Momentum Volatility Volume Moving average BOLLINGER BANDS Description: Trading bands are amongst the most widely used technical indicators in existence. Basically they lines drawn at fixed intervals (usually a percentage) around a moving average. Bollinger Bands are bands that vary in distance from the moving average based on volatility. The upper band represents a number of standard deviations above the average, the lower band represents x number of standard deviations below the average. By using standard deviations rather than a fixed percentage, the bands adjust for volatility. During volatile periods the bands move further away from the average, while during market lulls the bands move closer to the average. Conventional Analysis: The closer prices move to the upper band, the more overbought the market is. The closer prices move to the lower band, the oversold the market is. Back to About the Guide LINEAR REGRESSION Description: The Linear Regression indicator plots a line through the prices of a security in an attempt to minimize the distance between the line and each individual point. The method used to do this is called the "Least Squares" method. Conventional Analysis: The Linear Regression indicator is based on theory that there is an underlying force that will prices back to the regression line when they stray above or below it. Back to About the Guide MACD Description: Gerald Appel's Moving Average Convergence Divergence is the difference between a fast exponential moving average (FastMA) and a slow exponential moving average (SlowMA). During rising markets, the fast moving average will rise more quickly than the slow moving average, resulting in a rising differential line or a larger value. During falling markets the FastMA line will fall more quickly than the SlowMA line. The specified length of FastMA must be shorter than the specified length of SlowMA; If not the oscillator will invert (that is, buy signals will become sell signals and vice versa). Conventional Analysis: Crossover of the FasMA line over the SlowMA line is a buy signal. Crossover of the FastMa under the SlowMA is a sell signal. Back to About the Guide RSI Description: The Relative Strength Index Indicator is an overbought/oversold oscillator. It is often used in identifying buy oportunities in market dips and sell oportunities in market rallies. The value of the RSI is always a number between 0 and +100. Conventional Analysis: Most traders regard an RSI value in the 70-80 area as an indication of an overbought market and an RSI value in the 20-30 area as an indication of an oversold market. Back to About the Guide STOCHASTIC Description: Stochastic is an oscillator that indicates overbought and oversold conditions in the market. It is based on the premise that during periods of price decreases, bar closes tend to accumulate near the low of the bar and during periods of price increases, bar closes tend to accumulate near the high of the bar. Conventional Analysis: A signal is generated when any plot lines cross. Back to About the Guide MOMENTUM Description: The Momentum indicator is an overbought/oversold oscillator. It is calculated by subtracting the price of (LENGTH) bars ago from the price of the current bar. If the market has increased by more than x points, the market is considered to be overbought. If the market has decreased by more than x points, the market is considered to be oversold. Conventional Analysis: A positive value reflects an overbought market while a negative reflects an oversold market. Back to About the Guide VOLATILITY Description: The Volatility indicator measures market volatility by plotting a smoothed average of true range. As the number increases, the market is more volatile. Conventional Analysis: The concept of Average True Range can be used in determining how far the market your stops need to be placed so as to avoid whipsaws. Back to About the Guide VOLUME Description: Plots daily volume, normally shown as a histogram. Conventional Analysis: Used to confirm strength of a move or breakout. A market move accompanied by increasing volume is generally more likely to continue in the same direction, whereas a move accompanied by decreasing volume is less likely to continue. Decreasing volume indicates decreasing participation among investors and a general lack of conviction, which often precedes a change in trend. In addition, a significant decline in volume for an extended period is characteristic of a bear market. Back to About the Guide MOVING AVERAGE Description: The Moving Average line indicator is perhaps the most widely used technical indicator in existence. It is a simple moving average of prices over a specified length of time. Many analysts use the moving average in order to determine the direction of the trend. The average is calculated by adding all the prices in the past bars, then dividing the sum by that length. Conventional Analysis: One moving average is often used to identify the trend of a market. It can be used in conjunction with other averages in order to generate buy and sell signals when the averages cross. Moving averages of all types can also be used as a filter within a trading system in order to reduce 'whipsaws' For example, you may only want to take long trades when the average is moving in an upward direction, or when price is above the moving average. Back to About the Guide Why can't I see the graphs? These graphs will only be visible to users with a Java-enabled browser. Check the following if all you see is a blank page: Check that you are using Microsoft Internet Explorer 3 or Netscape 3 or better. You will also need Windows 95 or another 32bit operating system. If you are running behind a firewall please ask your firewall administrator to allow Inbound & Outbound data from 196.37.7.10 on port 750 for protocol TCP. The Java option may be turned off on your browser. In Netscape, check "Options - Network Preferences - Languages" off your top menubar and click the Java checkboxes to enable. In Internet Explorer, see the "View - Options" off your menubar to activate. For more detailed information, we recommend you consult the Netscape and Microsoft online guides. Newer generation browsers have Java built-in, but some older browsers may require you to install this functionality, or you may need to download a newer version of your browser. See Netscape or Microsoft for further information. Back to About the Guide About the other resources on this page The resources on this page consist of web pages, Java applets and proprietary files available for downloading. Proprietary formats will be indicated by a red arrow, the file extension name and the file size. Some files will be compressed using the ZIP format. For PDF documents, you will need the Adobe Acrobat 3.0 viewer, which is available free of charge from Adobe Corporation: Back to About the Guide If you need additional help, CLICK HERE. Times Media Limited disclaims all liability for any loss, damage, injury or expense however caused, arising from the use of or reliance upon, in any manner, the information provided through this service and does not warrant the truth, accuracy or completeness of the information provided. © Times Media Ltd, 1996