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Investonline Unit Trusts grow your discretionary savings with diversified portfolios, expert guidance, flexible options and competitive fees.

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Unit Trust Calculator

Optimise your investment savings today.

  • Maximise investment growth
  • Review contributions and performance
  • Align your investments with financial goals

Use our Unit Trust Calculator with standard and advanced inputs to make adjustments and reach your objectives.


Unit Trust Calculator

See how a 1% or 2% return gap impacts capital.

1. Capital
2. Comparison
Complete your details to unlock all the features.
Return = 10%
Return - 1%
Return - 2%

Less return, lower outcome

Investment Term 10 yrs

How to use the calculator


Above the graph are Capital and Comparison. Below is a slider to adjust the term.

Capital shows your investment growth. Comparison shows how your return compares to lower-return scenarios: Modelled Return, Less 1%, and Less 2%.

You can customise your plan using Standard Inputs and Advanced Inputs.

Standard Inputs let you set your current age, contributions, total investment amount, and adjust the investment term using the slider.

Advanced Inputs let you adjust the Modelled Return. Change inflation (first value) and expected return (middle). The third shows the impact if returns drop (Less 1% or 2%).

Disclaimer

Projections are based on the financial information you provided and are not guaranteed by Investonline. They are intended as a planning tool and consider historical market returns, though future performance is uncertain. Past returns do not guarantee future results. These calculations are not financial, legal, or tax advice and should not be your sole source of information. While we use reliable sources, accuracy cannot be guaranteed.

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Modify Values

  • 1. Standard Inputs

    Investment Term 10 yrs

  • 2. Advanced Inputs

    Modelled Returns
    Return = 10%
    6%
    +
    2%
    Return Less 1%
    6%
    +
    2%
    -
    1%
    Return Less 2%
    6%
    +
    2%
    -
    2%
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What is a Unit Trust?

Build Your Wealth

Local Unit Trusts offer a flexible, accessible way to grow your wealth with professionally managed portfolios across various sectors and asset classes.

Key Benefits:

  • Diversification: Invest across asset classes to reduce risk.
  • Flexibility: Choose funds that match your risk and goals.
  • Accessibility: Start with low minimum contributions.

Investonline provides expert guidance to help you select the right Unit Trusts, ensuring your portfolio is aligned with your financial objectives.

Benefits of Unit Trust

  • Experts: Professionally managed
  • Cost Efficiency: Help lower costs
  • Liquidity: Quick & easy access
  • Transparency: Online & reports
  • Regulation: Investor protection

Unit Trusts diversify investments, grow wealth, and achieve your financial goals with simplicity and professional oversight.

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Who This Is For:

For Clients with R10M+

You are eligible for bespoke wealth management, featuring personalised service and strategies tailored for high-net-worth individuals.

What You’ll Get:

  • Regular Reviews: Ensure you on track.
  • Market Insights: Exclusive updates.
  • Dedicated Manager: Personal guidance.

Benefits for R10M+ Clients:

  • Maximise Returns: Enhance your net returns.
  • No Guessing: Clear comparisons.
  • Exclusive Insight: Personalised financial plan.

With R10M+ in assets, you’re already on the path to exceptional service.

Dedicated Client Manager
For Clients with R10m+ Premium Partner

Why Investonline?

Investonline Unit Trusts

Investonline Unit Trust Portfolios are built to simplify your investment journey while giving you access to strong, long-term performance — guided by expert insight and active management.

  • Smart Diversification – Balancing risk and return
  • Proven Performance – Strong, consistent returns
  • Fund Expertise – Managed by skilled specialists
  • Simplified Access – Clear, goal-focused investing
  • Goal Alignment – Built around your objectives

Choosing Investonline Unit Trusts ensures you are well-prepared to navigate these challenges and make the most of your investments.

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Unit Trust fees, straightforward and transparent

Just like when you book a vacation, you want to know the full cost upfront.

We believe the same should apply when investing your money. With us, you’ll always know exactly what you’re paying for.

  • No exit fees
  • No hidden costs
  • No penalties for changing your funds.

We keep our fees straightforward and consistent. You’ll know exactly what you’re paying from the start, with no surprises—whether that’s next month or in 10 years.

Free Comparison

Tailored Unit Trust Portfolios

Our portfolios blend active and index (passive) strategies for flexible investing.

Smart, Balanced Growth

  • Diversification: Spread risk across assets
  • Growth: Consistent, long-term returns
  • Cost: Competitive, efficient fees
  • Risk: Stable, adaptive strategy approach
  • Flexibility: Many portfolio options

With these options, you can confidently work toward your financial goals, whether through a diversified blend or a single investment strategy.

Performance
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Unit Trust Investing: Performance

Investonline provides tailored active and passive (index) strategies to simplify investing.

Past PerformanceAsset Allocation
Investonline (IO) Portfolios1yr3yr5yr10yr15yrOffshore %Total Equity %
Equities
IO High Growth17.4%12.8%19.5%9.6%12.0%40%95%
  
IO Balanced15.0%10.5%13.6%8.4%10.2%40%70%
IO Cautious16.6%11.1%10.8%8.2%8.6%20%40%
Regulation 28
IO Income11.4%9.1%8.5%7.9%8.3%0%0%
  
IO Offshore High Growth4.3%16.0%16.6%13.5%18.1%100%100%
IO Offshore Growth8.9%13.8%11.7%10.6%12.4%75%75%
Global Focus (ZAR)
IO Offshore Balanced11.4%13.3%12.9%10.0%11.4%60%70%
Source: Morningstar   Disclaimer
The table provides the latest performance history of our recommended funds. Capture errors may occur. Returns depend on underlying assets, market conditions, and other factors. Past performance—excl. admin and advisor fees, which are minor, as well as taxes—does not guarantee future results.
Returns: Mar 2025

Let us help you with a free comparison to find the best portfolio for your needs, ensuring your investment aligns with your risk tolerance and growth objectives.​

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Investonline (IO) Performance

Actual 15-year performance annualised from Mar 2010 to Mar 2025

12.0% IO High Growth 16 Yr Annualised

10.2% IO Balanced 16 Yr Annualised

8.6% IO Cautious 16 Yr Annualised

Source: Morningstar   Disclaimer
The graph provides the latest performance history of our recommended funds. Capture errors may occur. Returns depend on underlying assets, market conditions, and other factors. Past performance—excl. admin and advisor fees, which are minor, as well as taxes—does not guarantee future results.

IO Investment Strategy

Three core pillars focused on your investments.

1. Purpose-Built Portfolios

We build portfolios for retirement—focused on growth, stability, and offshore exposure.

2. Evidence-Based Approach

We combine index and active strategies to diversify, focusing on consistency—not hype.

3. Smart, Maximum Efficiency

Our approach is streamlined. Every decision drives value and keeps your money working.

Unit Trust Comparison

Investonline helps you take control of your financial future by identifying opportunities to enhance your savings and optimise returns.

By evaluating key aspects of your investments, you can ensure alignment with your goals and achieve greater financial success

Key Benefits

  • Identify Savings: Uncover lower fees and better rates.
  • Optimise Returns: Find funds with stronger performance.
  • Better Fit: Ensure investments align with your goals.
  • Stay Competitive: Compare market options for best results.
  • Informed Decisions: Make choices based on data and insights.

Get clarity with our free comparison report, offering insights into fees and fund performance to help you make informed decisions for a secure future.

Free Comparison
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Expert Guidance & Support

Clear, Tailored Guidance

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  • Products that suits you best
  • Simple, clear and jargon-free

Effortless Transitions

  • Easy, stress-free transfer process
  • We handle switches, start to finish
  • Investments remain safe & secure

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  • Get real help, available nationwide
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  • Fast, responsive & reliable service

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