brochure - Old Mutual

Old Mutual Unit Trusts Group Solution
Adding value to your business by adding value to your staff
Today’s fiercely competitive environment demands that you attract and retain the best human capital in order to stay
ahead. This means that you need to offer an appealing salary package that is flexible enough to meet the changing needs
of your staff members.
Old Mutual Unit Trusts Group Solution offers you a way to tailor a package, including tax-deductible retirement benefits,
which meets an individual’s savings and investment needs. At no cost to your company, this simple, ready-to-use, webbased
administrative platform offers all this and more....
How does it work?
An employer registers for Old Mutual Unit Trusts Group Solution and is issued with a unique employer reference number.
Employees then have the option to make regular (monthly) contributions to a retirement annuity or to a discretionary
unit trust. This can be structured as part of the employee’s package or be a voluntary contribution by employees. The
customer-friendly web interface gives the employer the ability to manage the process.
Who Features Benefits
Employer Offer an attractive salary package Attract the best staff
Sophisticated, web-based administrator
platform
Easy-to-use, remote access
Free registration process Register once-only
No ongoing fees
No ongoing platform-related fees or
charges
Better labour practice with no impact on
your bottom line
Employee Invest in a unit trust-based retirement
annuity
Invest in a standard unit trust portfolio
Flexible
Transparent
Affordable
Tax-deductible retirement contribution Save for retirement and save on tax
After-tax salary deductions into a unit trust
portfolio
Save more before you get paid – forced
savings towards your goals
Choose from our Classic Investment
Collection of five unit trusts
Choose from over 40 of Old Mutual’s unit
trusts
Tailored, personalised investment portfolios
The ability to switch between unit trusts as
needs change
Access to Old Mutual Unit Trusts’ secure
online environment
Invest and manage your investment and
retirement portfolio online 24/7
Invest direct or use an adviser You can either make your own investment
decisions or use an Old Mutual accredited
financial adviser

Who should consider Old Mutual Unit Trusts Group Solution?
It is ideal for small to medium enterprises (50 or fewer employees) that do not want the administrative or cost burden
of participating in a large retirement scheme, but do wish to offer employees the benefit of a tax-efficient retirement
benefit. They also want to offer the option of making post-tax contributions to a unit trust investment portfolio that will
encourage staff members to save before they get paid.
Likely businesses include architectural firms, medical practices, auto workshops and small retail stores. Larger businesses
wishing to offer their top earners an additional form of retirement savings via salary deduction could also consider this
as a solution.
Benefits for employers
Old Mutual Unit Trusts Group Solution increases the ability to attract quality key personnel by offering an attractive
salary package and benefits. The simple, free registration process gives unlimited, ongoing access to a secure web-based
administrative platform that enables Authorised Administrators to access the Payment Schedule in order to manage and
process their staff’s investment amounts to be deducted from their salaries. No hidden costs, no fuss.
Once the online or hard-copy registration process is complete, the business is issued with a unique Employee Reference
Number that is used by the Authorised Administrators as well as staff members filling in their initial investment application
forms.
Benefits for employees
Employees benefit from access to quality, unit trust-linked retirement annuity and investment portfolios – and all their
associated benefits (see below). The contributions are deducted prior to their salary being deposited in their bank account.
Contributions to the Old Mutual Unit Trusts Retirement Annuity Fund are tax deductible, within legislated limits.
Participating staff members can process their application online or use hard-copy application forms, and may decide
whether or not they wish to use the services of a qualified financial adviser. Either way, they enjoy total autonomy and
flexibility, and can manage their portfolio by registering for secure site access, which allows investors to manage their
portfolios in a secure online environment 24/7 — this includes buying, selling and switching! Alternatively, they can print
the hard copies of the relevant forms available on www.omut.co.za and fax them to the numbers provided.
In addition, should they leave the employer, they can continue with their investment by implementing a debit order from
their bank account. If their new employer is also registered with Old Mutual Unit Trusts Group Solution, they may simply
transfer their account details to the new company’s Old Mutual Unit Trusts Group Solution account.
What investment products are available?
Old Mutual Unit Trusts Retirement Annuity Fund (OMUTRAF) is among the most affordable retirement annuities in
South Africa. As it is a Regulation 28-compliant unit trust-linked investment investors enjoy all the benefits offered by
unit trusts combined with the tax-efficiency and protection associated with a retirement fund. Please read the fact sheet
available on www.omut.co.za for detailed information about this unique retirement annuity.

Contributions to retirement annuities are tax deductible within legislated limits.
Minimum investment amount: R500 per month
A standard portfolio of Old Mutual’s unit trusts is a flexible and affordable way of investing towards future goals,
and can be used to grow capital, draw an income, or both.
Contributions are after tax, and are made prior to the salary being paid into the bank account. This is a great way for
staff members to ensure that they are disciplined about sticking to their investment plan.
Minimum investment amount: R500 per month
The advantages of Old Mutual’s unit trusts
Unit trusts are flexible and transparent and are also an extremely affordable way to access global financial markets. It
is important to note that the value of your investment is market dependent, and unit trusts do not offer guarantees.
Affordability: There are no retirement annuity or portfolio administration fees, you only pay the ongoing annual
service fees of the underlying unit trusts you choose.
Choice: Access the inflation-beating potential of the market by structuring your portfolio from our Classic Investment
Collection – a smart selection of unit trusts that we have handpicked to make your life simpler, or choose from our
complete range of over 40 unit trust funds. Certain unit trusts may be excluded due to applicable legislation.
Professional management: Benefit from in depth financial and economic analysis. Our unit trusts are managed
by the experienced investment professionals at Old Mutual Investment Group SA (OMIGSA).
Diversification: Our unit trusts offer you the ability to gain full exposure to local and international asset classes.
Flexibility: As your needs and time horizon change, you can switch between unit trusts to ensure that at all times
your investment is relevant to you.
Transparency: All costs are disclosed upfront.
Online portfolio management: Manage your retirement plan online anytime, anywhere in our secure online
environment.
The role of an adviser
Old Mutual Unit Trusts Group Solution will most likely be introduced to a business by an adviser, but the business does not
incur any adviser fees. The adviser may offer advice to employees who wish to make use of the services of a professional
and qualified financial adviser.
Employees are not obliged to make use of the adviser, however if they choose to do so, all fees are negotiated between
the adviser and the individual investor.

Why invest with Old Mutual Unit Trusts?
We have over 165 years of unwavering commitment to our clients, through every kind of market cycle, and our raison
d’être is long-term wealth creation for our clients. The specialist investment boutiques that manage our unit trusts focus
purely on managing money and on delivering on the investment objectives of our portfolios.
Add to this our global reach and world-class service offering and support facilities, which include online help tools,
telephonic advice and a broad, nationwide network of financial advisers, and you will agree that it would be hard to find
an investment partner who is better positioned to work with you to achieve your life goals and build a retirement plan
that will help you retire in style.
Contact Details
Email: utsolution@oldmutual.com
Web: www.omut.co.za
Phone: 0860 234 234
Fax: 021 509 7117
Unit trusts are generally medium-to long-term investments. Past performance is no indication of future growth. Shorter term fluctuations can occur as your
investment moves in line with the markets. Fluctuations or movements in exchange rates may cause the value of underlying international investments to go up
or down. Unit trusts can engage in borrowing and scrip lending. The fund’s TER reflects the percentage of the average Net Asset Value of the portfolio that was
incurred as charges, levies and fees related to the management of the portfolio. A higher TER does not necessarily imply a poor return, nor does a low TER imply
a good return. The current TER cannot be regarded as an indication of future TERs. A schedule of fees, charges and maximum adviser fees is available from the
company. You may sell your investment at the ruling price of the day (calculated at 15h00 on a forward pricing basis and 17h00 at month-end for Old Mutual
RAFI® 40 Tracker Fund and Old Mutual Top 40 Fund). The Old Mutual Money Market Fund unit price aims to be static but investment capital is not guaranteed.
The total return is primarily made up of interest (declared daily at 13h00), but may also include any gain/loss on any particular instrument. In most cases this
will merely have the effect of increasing or decreasing the daily yield, but in an extreme case it can have the effect of reducing the capital value of the fund.
Specialist equity funds may hold a greater risk as exposure limits to a single security may be higher. A feeder fund is a portfolio that, apart from assets in liquid
form, consists solely of participatory interests in a single portfolio of a collective investment scheme. A fund of funds unit trust invests only in other collective
investment schemes, which may levy their own charges. Certain funds may be capped to be managed in accordance with their mandates. Different classes of
units apply to these portfolios and are subject to different fees and charges. Old Mutual is a member of the Association for Savings & Investment SA.