Products

Our suite of products caters for both individual and institutional investors allowing us to provide tailor made investment solutions for people throughout their lives. Through our offering, investors gain access to an investment platform that allows them to switch seamlessly from one portfolio to another, as their investment needs change.

  • Individual clients We offer a range of collective investment schemes for individuals/retail clients providing them access to world-class fund management with competitive returns. These pooled funds allow individuals to have personal investment plans for various purposes
  • STANLIB Cash Trust (Cash Trust) – a money market unit trust that provides competitive flexible short-term investment plans for investors. Please see below for more comprehensive information
  • STANLIB Income Fund Trust (SIFT) – a fixed income unit trust that caters to relatively conservative investors with a medium to long-term investment objective. Please see below for more comprehensive information
  • Institutional clients
  • Pension/provident fund management – we offer pension fund management services to Employer Sponsored Schemes and Master Trust Schemes under the Tier 2 and Tier 3 schemes as defined under the new Pensions Act (Act 766). Our bespoke investment process offers focused investment strategies designed to outperform benchmarks
  • Welfare/in-house pooled fund management – we offer custom-made fund management

STANLIB Cash Trust

What is the STANLIB Cash Trust?
The STANLIB Cash Trust is an open-ended unit trust fund. The primary objective of the Fund is to maximise short-term income while preserving capital through investing in a portfolio of money market securities including treasury bills, fixed deposits and certificate of deposits; and debt securities with maturities not exceeding 13 months.

Up to 95% of the fund’s assets are invested in selected money market securities while retaining a minimum of 5% in cash.

On subscription to the fund, the applicable number of units are issued at the prevailing offer price, equivalent to the monetary amount of your subscription. The fund is valued at the end of each business day and the new price determined. This means that the value of your units will change from day to day.

Who should invest?
Individuals, corporates, institutions, organisations, schools, clubs, small business associations, churches, endowment funds and community cooperatives, with surplus cash to invest at regular intervals or as once-off lump sum investments.

Unlike funds such as equity and balanced funds, the Cash Trust caters for investors looking for income and security over a short-term period. Price fluctuations would be potentially lower when compared to equity and balanced funds.

Why invest in the STANLIB Cash Trust?

  • Competitive returns
  • Diversified portfolio: an opportunity to achieve solid returns while minimising risks from a diversified portfolio of investments that may not otherwise be available to individual investors
  • Preservation of principal: the weighting in fixed income assets allows for the principal amount invested to be secured with varying returns
  • Liquidity: easy access to investments at any time and at no cost to the investor. Redemption or withdrawal of all or part of the investment can be made at any time. Payment is effected within five business days of receipt of the redemption form
  • Sustainable income: the fund provides sustainable income from selected fixed income securities while simultaneously preserving the principal investment
  • Expertise: with a minimum of GHS20, investors can benefit from STANLIB’s professional fund management expertise investment amounts
Minimum initial investment amount: GHS20
Minimum monthly debit order: GHS5

Fee structure
Initial fee:0.0%
Intermediary fee:0.0%
Annual management fee:2.5%
Trustee fee:0.4%
 

STANLIB Income Fund Trust

What is the STANLIB Income Fund Trust?
The STANLIB Income Fund Trust (“SIFT” or “the Fund”) is an open-ended unit trust fund. The primary objective of the fund is to maximize short-term income as well as long-term sustainable income and capital appreciation of its assets, through investing in a portfolio of fixed income securities including government treasury bills and notes, fixed deposits and other corporate debt securities.

Up to 70% of the fund’s assets are invested in medium to long-term corporate and government debt securities while retaining a maximum of 40% in money market securities and a minimum of 5% in cash.

On subscription to the fund, investors are issued with the applicable number of units at the prevailing offer price. The fund is valued at the end of each business day and the new price determined. This means that the value of your units will change from day to day.

Who should invest?
SIFT caters for investors looking for income and security over a medium to long-term horizon. Clients include individuals, corporates, institutions, organisations, schools, clubs, small business associations, churches, endowment funds and community cooperatives.

Why invest in the STANLIB Income Fund Trust?

  • Preservation of principal: SIFT’s weighting in fixed income assets allows for the principal amount invested to be secured with varying returns
  • Diversification: SIFT offers an opportunity to achieve good returns while minimising risks from a diversified portfolio of investments that may not otherwise be available to individual investors
  • Sustainable income: SIFT provides for sustainable income from selected fixed income securities while simultaneously preserving the principal investment
  • Flexibility: SIFT is an open–ended fund, allowing for entry and exit at any time. Investors can determine their investment horizon to meet their own personal needs
  • Liquidity: SIFT provides easy access to investments at any time. Redemption or withdrawal of all or part of the investment can be made at any time. Payment is effected within three business days of receipt of the redemption form
  • Expertise: with a minimum of GHS20, investors can benefit from STANLIB’s professional fund management expertise Investment amounts

    • Investment amounts
      Minimum initial investment: GHS20
      Minimum monthly debit order: GHS10
      Fee structure
      Initial fee: 0.0%
      Exit fee: 2% in year one
      1% in year two
      0% after two years
      Intermediary fee: 0.0%
      Annual management fee: 2.0%
      Trustee fee: 0.25%
 

Institutional and individual fund management

STANLIB Ghana offers tailor made fund management services for institutions, corporates and associations to meet specific investment objectives and return benchmarks. Our institutional and individual fund management proposition includes the setup of the fund, investment policy statement design, templates for trust deeds; and fund rules and individual member accounting or administration where applicable.

We also offer fund management services to high net-worth individuals seeking specific investment goals such as educational funds, retirement funds, trust funds, etc.

Who should invest?
High net-worth individuals, corporates, clubs, small business associations, churches, schools, endowment funds, institutes, welfare funds and community cooperatives, with surplus cash to invest at regular intervals or in one-off lump sum investments.

Why let STANLIB Ghana manage your funds?

  • People: our solidly trained people are well versed in investment management practice
  • Performance: our diversified pool of investments offers competitive and sustainable returns. We match risk and return to meet and exceed client expectations
  • Experience: our experience on the market is unrivalled
  • Brand: an international footprint and local know-how is our unique mark. This allows us to develop out–of-the-box solutions for our clients
  • Systems: cutting edge technology allows us to invest real time for our clients
  • Controls: audit trails, segregation of client assets from STANLIB assets, in-built controls and strict adherence to the CFA Institute’s Asset Manager Code of Conduct, all provide security for our client assets
  • Pricing: our fees are among the lowest in the market
  • Reporting: timely reporting for our clients

Investment amounts
Minimum initial investment amount (individuals):GHS250 000
Minimum initial investment amount (institutions with periodic contributions):GHS50 000

Fee structure
Negotiable
 

Pension fund management

STANLIB Ghana is a registered pension fund manager with the National Pensions Regulatory Authority (NPRA) and licensed by the Securities and Exchange Commission, Ghana. In line with the new Pensions Act, Act 766, it is mandatory for all institutions to set up an occupational pension scheme (Tier 2), managed by a registered pension fund manager under a licensed trustee. In addition to the Tier 2 requirement, institutions may also set up a voluntary provident fund scheme (Tier 3), or employees may personally contribute into a group-registered pension scheme.

We have a pension desk offering free pension migration services onto the new second and third Tier pension schemes. In addition, our pension desk offers retirement planning and fund management services to high networth individuals. We are able to draw up an investment policy statement and align investment objectives with risk profile, asset allocation, return expectations and liquidity needs.

Who should invest?
Institutional and corporate investors for their Tier 2 and Tier 3 pension schemes. Individuals may benefit from our pensions expertise by joining a registered pension scheme managed by STANLIB Ghana or sign-up for a personal retirement account.

Why let STANLIB Ghana manage your pension fund?
  • People: our solidly trained people are well versed in investment management practice
  • Performance: our diversified pool of investments offers competitive and sustainable returns. We match risk and return to meet and exceed client expectations
  • Experience: Our experience on the market is unrivalled
  • Brand: an international footprint and local know-how is our unique mark. This allows us to develop out–of-the-box solutions for our clients
  • Systems: cutting edge technology allows us to invest real time for our clients
  • Controls: audit trails, segregation of client assets from STANLIB assets, in-built controls and strict adherence to the CFA Institute’s Asset Manager Code of Conduct, all provide security for our client assets
  • Pricing: our fee are among the lowest in the market
  • Reporting: timely reporting for our clients

Investment amounts
Minimum initial investment amount:Not applicable
Minimum monthly debit order:Not applicable

Fee structure Negotiable: maximum of 0.56% of net assets as defined by NPRA
 

Provident fund management

Provident funds forms part of staff retention packages for institutions and organisations. We are one of the top provident fund managers with mandates across Ghana. Our provident fund management proposition includes the setup of the fund, investment policy statement design, templates for trust deeds and fund rules; and individual/beneficiary member accounting or administration. Our value-based style and approach has made us the fastest growing provident fund manager in Ghana with a history of consistent outperformance.

Who should invest?
Institutional and corporate investors including companies, clubs, small business associations, churches, etc seeking fund management services with member administration.

Why let STANLIB Ghana manage your provident fund?
  • People: our solidly trained people are well versed in investment management practice
  • Performance: our diversified pool of investments offers competitive and sustainable returns. We match risk and return to meet and exceed client expectations
  • Experience: Our experience on the market is unrivalled
  • Brand: an international footprint and local know-how is our unique mark. This allows us to develop out–of-the-box solutions for our clients
  • Systems: cutting edge technology allows us to invest real time for our clients
  • Controls: audit trails, segregation of client assets from STANLIB assets, in-built controls and strict adherence to the CFA Institute’s Asset Manager Code of Conduct, all provide security for our client assets
  • Pricing: our fee are among the lowest in the market
  • Reporting: timely reporting for our clients

Investment amounts
Minimum initial investment amount:nil
Minimum monthly investment amount:GHS10 000
Fee structure
Negotiable