Hollard Savings Plan
Reach your financial goals with a simple, cost-effective savings plan
About Hollard Savings Plan
Designed to make investing in unit trusts easy.
Who is it for?
Anyone who would like to save towards a dream or a goal using the Hollard FR Unit Trust Funds.
Minimum investment of
R500 per month or a R5 000 lump sum.
Features & benefits
- Flexible contributions – start or stop when you want, without penalties.
- Simplified investment planning – can be used to suit all your investment needs and goals.
- Cost effective – no admin fees charged making it a cost-effective savings plan for anyone and everyone.
- Accessible – access your money – all of it, or a portion when you need it. Build your savings plan your way – choose one or a combination of 9 Unit Trust Funds.
Explained fully
A detailed document explaining all the rules and process information of our Savings Plan.
Start your investment journey
No adviser? No problem. Get a quick online quote and start investing on your terms.
Your investment dashboard
Visit our online portal to manage your investments simply and securely.
Speak to us
Send us your details and we will give you a call.
Fees and charges
A fee is charged on the value of your investment account as follows:
Unit Trust fund name | Initial Fees (excl. VAT)Hollard initial administration fee | Initial Fees (excl. VAT)Unit Trust initial fee | Annual Fees (excl. VAT)Hollard annual administration fee | Annual Fees (excl. VAT)Unit Trust annual management fee |
|---|---|---|---|---|
Hollard FR Money Market Fund B | 0% | 0% | 0% | 0.30% |
Hollard FR Yield Plus Fund B | 0% | 0% | 0% | 0.50% |
Hollard FR Dynamic Income Fund B | 0% | 0% | 0% | 0.70% |
Hollard FR Conservative Growth Fund of Funds B | 0% | 0% | 0% | 1.20% |
Hollard FR Moderate Growth Fund of Funds B | 0% | 0% | 0% | 1.20% |
Hollard FR Managed Growth Fund of Funds B | 0% | 0% | 0% | 1.20% |
Hollard FR Property Fund B | 0% | 0% | 0% | 1.00% |
Hollard FR Equity Fund B | 0% | 0% | 0% | 0.90% |
Initial Fees (excl. VAT)
Hollard initial administration fee
Hollard FR Money Market Fund B
0%
Hollard FR Yield Plus Fund B
0%
Hollard FR Dynamic Income Fund B
0%
Hollard FR Conservative Growth Fund of Funds B
0%
Hollard FR Moderate Growth Fund of Funds B
0%
Hollard FR Managed Growth Fund of Funds B
0%
Hollard FR Property Fund B
0%
Hollard FR Equity Fund B
0%
Initial Fees (excl. VAT)
Unit Trust initial fee
Hollard FR Money Market Fund B
0%
Hollard FR Yield Plus Fund B
0%
Hollard FR Dynamic Income Fund B
0%
Hollard FR Conservative Growth Fund of Funds B
0%
Hollard FR Moderate Growth Fund of Funds B
0%
Hollard FR Managed Growth Fund of Funds B
0%
Hollard FR Property Fund B
0%
Hollard FR Equity Fund B
0%
Annual Fees (excl. VAT)
Hollard annual administration fee
Hollard FR Money Market Fund B
0%
Hollard FR Yield Plus Fund B
0%
Hollard FR Dynamic Income Fund B
0%
Hollard FR Conservative Growth Fund of Funds B
0%
Hollard FR Moderate Growth Fund of Funds B
0%
Hollard FR Managed Growth Fund of Funds B
0%
Hollard FR Property Fund B
0%
Hollard FR Equity Fund B
0%
Annual Fees (excl. VAT)
Unit Trust annual management fee
Hollard FR Money Market Fund B
0.30%
Hollard FR Yield Plus Fund B
0.50%
Hollard FR Dynamic Income Fund B
0.70%
Hollard FR Conservative Growth Fund of Funds B
1.20%
Hollard FR Moderate Growth Fund of Funds B
1.20%
Hollard FR Managed Growth Fund of Funds B
1.20%
Hollard FR Property Fund B
1.00%
Hollard FR Equity Fund B
0.90%
- Your financial adviser may charge you an initial and ongoing fee. These fees are negotiable between yourself and your adviser. A maximum of 3% (excl. VAT) applies for financial adviser initial fees, and a maximum of 1% per annum (excl. VAT) applies for financial adviser ongoing fees.
- For more information, please refer to the Investment Portfolio list.
Find all the forms and documents you’ll need to invest in the Hollard Savings Plan here.
Invest now by following these easy steps
When it comes to your savings plan, we highly recommend seeking guidance from a qualified financial adviser. They can help you select the right products and investment portfolios to meet your specific financial goals. Comprehensive financial planning is more than just choosing a product - it involves a variety of factors that work together to achieve success. With a professional adviser on your side, you can ensure that your savings plan is tailored to your unique needs and aligned with your long-term objectives.
If you would like to proceed without the assistance of a financial adviser, please follow the steps below:
- Decide how much you want to invest and into which Investment Portfolios
- Complete an investment quotation for Hollard Savings Plan
- Send the completed and signed investment quotation, application form and required documentation to:
Find an investment option to best suit your needs. Get an online quotation now.
Frequently asked
questions
Can I transfer my existing investment to the Honey Savings Plan?
Yes, you can, however, it depends on the rules of your existing investment. Chat with us about the options available to you.
Which underlying portfolios can I invest in?
You can select from the range of Hollard FR Unit Trust Funds. You may select any one or a combination of them. You may also switch between funds at any time.
Can I make additional contributions to my investment?
Yes, additional contributions can be added to the investment at any time via Lump sum or debit order. Your debit order can start, stop, or be amended at any time.
Can I withdraw from my investment?
Yes, you may make any number of withdrawals as frequently as you like.
What are the tax implications of this investment?
The investment is subject to the following taxes:
- Capital Gains Tax: realised on the sale of an investment portfolio if the sale results in a capital gain, i.e.: if the asset is worth more when sold than it was when it was purchased.
- Interest Income Tax: incurred on any portfolio invested in underlying assets that earn interest and realised in the tax year in which it is earned.
- Dividends Tax: incurred on the receipt of a distribution that contains a local dividend component and withheld by the administrator who pays the tax to SARS on behalf of investors.
Can the investment be used as security/collateral?
You may cede some or all your investment as collateral/security.
Can the investment be cancelled and does a cooling-off period apply?
No, due to the nature of the product, you may not cancel your investment and no cooling-off period applies. You may request a full withdrawal or you may transfer your investment to another authorised provider.
Is the investment guaranteed?
No, the savings plan does not provide a guarantee on the investment value of your investment account, nor does it guarantee the performance of the investment. The market value of the investment may fluctuate. The investor carries the investment and market risk, which may include the possibility of losing capital.
What happens if I pass away?
Your investment forms part of your estate and will be governed by your last will and testament. Any beneficiaries who receive a portion of the investment, according to the instructions of the executor of the estate, may receive their portion as a cash payout or a transfer to an investment account in their name at Honey Investments Solutions or another product provider.
Do I need a financial adviser to invest in this product?
It’s not required but we highly recommend that you appoint a financial adviser to assist you. Hollard and Honey Investment Solutions do not provide financial advice and may only supply factual or administrative information relating to the investment products and portfolios.
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Why invest with
Hollard Investments and Honey?
Hollard Investments and Honey Investment Solutions “Honey” is part of the privately-owned Hollard Group. Through partnerships and by enabling our clients to create and secure better futures we achieve what is at the core of Hollard Investments’ and Honey’s purpose. We strive for a more efficient and accessible way for your money to get you to where you want to be. We are committed to shared success with financial advisers and investors.
We’ve got this, together.
Need to get in touch with us?
Call Honey Investment Solutions on
0860 202 202 or email
honey@hollardinvestments.co.za