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What happens to my money when I invest with BlueAlpha?

When you invest, you buy units in unit trusts of your choice and they are registered in your name until you decide to sell them.

  • Your money is combined with that of other investors who have bought units in that unit trust.
  • Our portfolio managers use the pool of money to buy shares, property, bonds, cash or a combination of these, on local or foreign markets, depending on the type of unit trust.
  • How much your investment grows depends on the performance of these assets.
  • You can buy more units whenever you want to and have access to your funds at short notice should you wish to withdraw money.

We will send you a statement once a quarter showing how many units you have in your account, and what the rand value is.

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Is BlueAlpha registered with the FSB?

Yes, we are a registered Financial Services Provider (FSP #118) with the Financial Services Board in South Africa.

We are compliant with FAIS, FICA and all other relevant regulations for the services we offer.

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Who is BCI?

You may have noticed that our unit trust fund names include the “BCI” after BlueAlpha e.g. BlueAlpha BCI All Seasons Fund, and that when you you invest with us, the money is paid across to BCI and investment statements are received from them.

BCI, Boutique Collective Investments (RF) (Pty) Ltd is a leading large independent Collective Investment Schemes service provider. They provide administration and distribution services to BlueAlpha.

The total BCI unit trust assets under administration is in excess of R90bn, spread over more than 275 unit trust funds.

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How safe is my money?

When you invest with BlueAlpha, your money is paid across to a designated unit trust fund bank account at The Standard Bank of South Africa Ltd.

They are the custodian of the bank accounts and BCI are the administrators of the account. BlueAlpha has no access to to the unit trust bank accounts.

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How easy is it to withdraw my investment?

You can have access to your invested funds within 2 business days.

In order to withdraw any funds you need to complete a withdrawal form and send it to instructions@bci-transact.co.za before 2pm. The money will be in your bank account 2 business days later.

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What is the potential for capital losses on my investment?

The longer you stay invested the less your chance of experiencing a capital loss.

Looking back at a 55-year history of the South African markets, over a one year period, equities have had a negative nominal return in 21% of the years on record and bonds 15% of the time.

Looking at a 5-year investment horizon, equities have never had negative nominal return. The average nominal equity return over a 5 year period has been 19.8%.

Equities were the top performing asset class in 44 of the 55 years measured (1960-2015)

We do not recommend that investors consider equity investments for less than one year period.

(source: I Net, SARB, SBG Securities analysis)