Wealth management

Invest today for a secured tomorrow

Maximize your earning potential
The earlier you invest, the more time your money has to grow through the power of compound interest.

Achieve your financial goals
Whether it's saving for retirement, your child's education, or other personal aspirations, investing can help you reach your objectives.

Diversify your income sources
Investments can provide additional streams of income, reducing your reliance on a single source and enhancing financial security.

Stay ahead of inflation
Investing helps to protect and grow your wealth, ensuring that your purchasing power keeps pace with rising costs over time.

Wealth MAnagement

We understand that your journey to success comes with unique needs, which is why Avena Wealth offers a variety of options tailored to you.
Whether you’re looking to create, grow, protect, or generate income from your wealth, we have personalized investment solutions for every investor.
Our diverse investment options provide access to both local and global markets.
Our products can help you save for retirement, fund your child’s education, or achieve other personal goals.
Empower your future by making a lump sum investment or committing to regular contributions.

We offer a diverse range of investment solutions, with access to local and global investment markets to suit all investment needs.

Whether ypu want to create and grow your wealth, protect it, or earn an income from it, we have a personal investment solution for you on your journey to success.

Uni trusts

Tax free saving

Private Equity

International investment

Things to consider when investing for the first time

Understand Your Goals
Determine what you want to achieve with your investments, such as saving for retirement, buying a home, or funding education.
Assess Your Risk Tolerance
Consider how much risk you are comfortable with. This will help you choose appropriate investment types.
Create a Budget
Ensure you have a clear budget that includes how much you can afford to invest without impacting your daily expenses and emergency savings
Educate Yourself
Learn the basics of investing, including different types of investments, market trends, and how the stock market works. Pay attention to the overall economic climate and any political or regulatory changes that could impact your investments.
Start Small
Begin with a modest investment amount to gain experience and confidence before committing larger sums.
Diversify Your Portfolio
Spread your investments across various asset classes and sectors to reduce risk.
Consider Fees and Charges
Be aware of the costs associated with different investments, such as management fees, transaction fees, and taxes.
Set a Long-Term Perspective
Focus on long-term growth rather than short-term gains to better weather market fluctuations.
Seek Professional Advice
Consult a financial advisor to get personalized guidance and to ensure your investment choices align with your goals and risk tolerance.

Unit Trust

A unit trust is a type of collective investment scheme where investors pool their money into a single fund. Unit trusts are popular because they provide access to professional investment management and diversification, which might be difficult to achieve on their own.

We advise on a range of local and offshore unit trust funds including multi-manage funds, index funds, tax-free saving, multi-asset funds, equity, fixed income, property funds etc.

Grow your money with as little as R250 a month or R2 000 lump sum amount.
Short to long-term investment plans available with varying exposure to the markets.
Access your money whenever you need it.

Professional Management

Investors benefit from the expertise of professional fund managers who have the experience and resources to make informed investment decisions.

Diversification

By pooling money from many investors, unit trusts can invest in a wide range of assets, reducing the risk associated with investing in individual securities.

Cost Efficiency

Economies of scale can reduce transaction costs and management fees, making unit trusts a cost-effective way to invest.

Regulation and Transparency Unit trusts are regulated by financial authorities, ensuring a level of oversight and protection for investors. Additionally, they typically provide regular reports on performance and holdings, offering transparency.

Variety

There are many types of unit trusts available, each with different investment objectives and strategies, allowing investors to choose funds that align with their financial goals and risk tolerance.

Accessibility

Unit trusts allow individual investors to participate in a diversified portfolio of assets, which might otherwise be difficult or costly to achieve independently.

Liquidity and flexibility

You can access your money whenever you need it. To buy and sell is easy, and you can invest more or withdraw your money within a couple of days.

Regular Income

Many unit trusts distribute income (such as dividends or interest) to investors regularly, which can be an attractive feature for those seeking steady returns or it can be reinvested to buy more units.

Automatic Reinvestment

Investors often have the option to automatically reinvest distributions, allowing for compounded growth over time.

Fees

A unit trust typically has an investment management and a financial adviser fee. Each fund fact sheet sets out the fees for that unit trust.

Tax

You’ll be liable for any tax in your personal capacity. You will receive a tax certificate every tax year for each of your unit trusts.

How to invest in a unit trust?

Minimum investment amounts

Local unit trusts From R2 000 lump sum or from R250 per month.

Global unit trusts From R2 000 lump sum or from R250 per month for

Rand-denominated funds.

Tax-free investment

Although you don’t get a tax deduction for money you invest in a tax-free investment, you can still enjoy tax-free growth. And you won’t pay any tax on the proceeds when you decide to take money out of the investment.

You can invest up to R36 000 every tax year (R3 000 per month) in a tax-free investment, limited to R500 000 over your lifetime. Government may adjust these limits from time to time.

Benefits of a tax-free investment

Invest from R500 per month, limited to R36 000 every tax year.

Only certain investment solutions are available for a tax-free investment. We will assist you in choosing the most suitable investment solutions.

You have full access to your money at any time, but the benefit becomes more meaningful the longer you stay invested.

Private equity

Private equity investment offers several potential benefits, making it an attractive option for investors looking for high returns and diversification. Here are some of the key advantages:

Higher Potential Returns

Private equity investments often aim for higher returns compared to public equity markets, as they involve investing in companies with significant growth potential.

Diversification

Including private equity in an investment portfolio can enhance diversification, as it typically involves investing in a variety of industries and sectors that are not correlated with public markets.

Active Management

Private equity firms actively manage their investments, working closely with portfolio companies to improve operations, strategy, and financial performance, which can lead to value creation.

Access to Unique Opportunities

Private equity investors often have access to exclusive investment opportunities in private companies that are not available to public market investors.

Long-Term Focus

Private equity investments generally have a longer investment horizon, allowing for more strategic decision-making and the potential for substantial growth over time.

Reduced Market Volatility

Private equity investments are not subject to daily market fluctuations, providing a buffer against the short-term volatility experienced in public markets.

Customization

Private equity investments can be tailored to meet specific investment goals and preferences, offering flexibility in terms of investment structure and strategy.

Incentive Structures

Private equity funds often use performance-based incentive structures that align the interests of fund managers with those of the investors, driving efforts to maximize returns.

Operational Improvements

Private equity firms often bring in expertise and resources to improve the operational efficiency and profitability of portfolio companies, which can lead to increased value.

While private equity investment offers these benefits, it may come with higher risks, longer lock-up periods, and less liquidity compared to public equity investments.