STANLIB
Business
Tools
04
STANLIB Linked Investments
06 – Saving for a Goal Calculator 06 – Retirement Savings Calculator 07 – Risk Profile Analyser
07 – Regulation 28 Calculator 07 – Income Drawdown Tool
08 – Linked Investments Annual Charge Valuator 09 – Risk vs Return Calculator
10 – Investment Proposal
12 – Portfolio Construction Tool
14 – Monitoring and Tracking Reports
14 – Switch and Rebalance Tool with CGT Calculator 15 – Investment Review Report
16 – Statements
06
Saving for a Goal Calculator Retirement Calculator Risk Profile Analyser Income Drawdown Tool Linked Investment Annual Charge Valuator Switch and Rebalance Tool with CGT Calculator
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Risk vs Return Calculator Investment Proposal Portfolio Construction Tool Monitoring and Tracking Tool Investment Review Report Statements
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STANLIB Linked Investments has always sought to offer value and convenience. But our vision to be a leading Linked Investment Provider in South Africa requires that we do a lot more for our clients and advisers.
We are committed to offering the right products at the right price to help clients achieve their financial goals. Partnering with financial advisers and their clients, we have refined our product range and administration, introduced a comprehensive smaller range of underlying funds, relooked our pricing and introduced a range of tools for financial advisers and their clients. When structuring an investment portfolio, you can combine Collective Investment Schemes (unit trusts), Model Portfolios, Personal Share Portfolios, structured products and Exchanged Traded Funds (ETFs) in one contract.
All Linked Investment Providers are required to be licensed and are registered financial service providers with the Financial Services Board. Linked Investment Providers are also regulated by the Financial Advisory and Intermediary Services Act (FAIS). STANLIB Linked Investments has all the necessary licences and approvals and is independently audited.
Our Toolbox
Good advice requires knowing your client, knowing the products and knowing the regulations; and then advising on and implementing the best solution. These areas exist independently – in the past it has been left up to you to make sure each requirement was met and each need fulfilled. STANLIB Linked Investments believes we can make this process easier. Getting from the need to the final product requires a great deal of analysis - we have developed a number of tools to help you with this analysis.
In a nutshell these tools:
• Are easy to use
• Allow you to add, remove or combine various investment scenarios to construct the most suitable investment
portfolios for your clients
• Help you manage your clients’ risk and to present portfolios with reasonable and realistic return profiles
• Are suitable for savings and retirement products
STANLIB provides a range of business tools to assist you in your financial planning process.
Pre-planning Tools
• Saving for a Goal Calculator
- Supplies answers to: “How much do I need to save?”, “How long do I need to save for to reach my goal?”, and “Will I
have saved enough?” • Retirement Calculator
- Determines how long your clients’ retirement savings will last based on their income requirements
• Risk Profile Analyser
- Plan your clients’ future investment portfolios according to their tolerance for risk
• Regulation 28 Tool
- Determines if your clients’ investment portfolios (selection of funds) are Regulation 28 compliant
• Risk vs Return Calculator
- Compares various funds’ risk profiles and historic returns in a single graph, over 1, 3 or 5 years • Investment Proposal
- Provides a quotation with the latest available data; also performs Regulation 28 compliance checks
• Income Drawdown Tool
- For Classic Linked Life Annuity and Classic Investment Plan clients. Shows how long their funds will last at a
specified drawdown rate, the gross income, and how these change with a change in drawdown rates • Linked Investment Annual Charge Valuator
- Determines the most cost efficient pricing platform for your clients’ investments
• Portfolio Construction Tool
- Helps you research and analyse funds for your clients’ investments, saving you valuable time
Transactions
• Monitoring and Tracking Tool
- Gives you access to a complete suite of reports to help you track and monitor your clients’ investment instructions,
e.g. new business applications, switches and repurchases • Switch and Rebalance Tool with CGT Calculator
- Assists you in preparing a switch or rebalance on your clients’ portfolios. It gives you an estimate of the capital gain/ loss that your Classic Investment Plan clients will incur
Reviewing
• Investment Review Report
- To use when reviewing your clients’ investments with them
• Statements
- Valuation, Summary and Detailed Statements are available
• Fee Comparison Tool
Saving for a Goal Calculator
Helps determine if your clients are on track to meet their savings goals
Our Savings Calculator is designed to help you plan your clients’ savings goals. It gives you an indication of how much they need to save, how long they need to save for or if they would have saved enough by a given date.
How to use the Calculator
1. Select what you would like to calculate (e.g. how much your client needs to save monthly to achieve his goal). 2. Complete the required fields.
3. Click “Calculate” to calculate the result.
Please note the Savings Calculator is for illustration purposes only.
Retirement Savings Calculator
Helps determine if your clients have enough money to enjoy a worry-free retirement
Use our Retirement Savings Calculator to determine if your clients’ financial plans are on track to provide them with enough savings in their retirement. Decide on how much money they need to withdraw each month during their retirement, and, with the help of our calculator, determine whether they are saving enough or whether they need to save more to play catch-up.
How to use the Calculator
1. Complete the required fields.
2. Click “Calculate” to calculate the result and display a graph.
The graph shows how long your clients’ savings will last in their retirement. It also shows how the scenario changes when taking different inflation numbers into account.
Risk Profile Analyser
To help you analyse your clients’ risk profiles
The Risk Profile Analyser assists you in determining your clients’ tolerance to risk and how that relates to their particular investments. As your clients’ personal circumstances change over time, you should periodically review their profile with them to ensure it remains current.
You should use the Risk Profile Analyser as a guide and not a substitute for a detailed financial plan.
A risk profile does not take into account your clients’ individual investment objectives, existing financial situations or particular needs, which should all be considered before making an investment decision.
How to complete the Risk Profile Analyser:
1. Answer every question in the form by selecting the appropriate option that best matches your client’s personal situation. 2. Total up the marked points (the form is points based).
3. The total points will determine your client’s risk category.
Regulation 28 Calculator
Assist you in determining the Regulation 28 status of your clients’ investments
Due to the restricted availability of the required comprehensive data necessary to assess compliance on a full look-through basis, this tool only assesses compliance to Regulation 28 on the very broad asset allocation parameters.
With the Regulation 28 Calculator you can:
• Check if a fund is Regulation 28 compliant • View the asset allocation of your client’s funds• View the asset allocation for your client’s entire retirement investment (e.g. the Classic Retirement Annuity Fund) • Determine if the retirement investment is compliant or breaches a particular asset class, e.g. equities. If the investment
is breaching a particular asset class, you can adjust the fund split until the investment is Regulation 28 compliant.
Income Drawdown Tool
For investments in our Equity & Linked Life Annuity and Classic Investments - gives a breakdown of the
projected gross income on your clients’ investments before they commit to a drawdown percentage
The Income Drawdown Tool provides a projection of the expected cash flows when a desired income amount, the income growth rate and any fees that are charged on the investment, are entered. It also displays a graph with your client’s projected available income and the remaining capital balance. Fees and taxes are taken into account.Equity & Linked Life Annuities – Why the income drawdown amount is so important
Current legislation allows investors to select an income level of between 2.5% and 17.5%. They can also select a wide range of investments in respect of the capital that will generate the income.
The level of income they select is not guaranteed for the rest of their lives and may not be sustainable if: • They live longer than expected. This may deplete their capital significantly before their death; or
• Their return on capital is lower than that required to provide a sustainable income for life. You and your client need to ensure that the income level they select will be sustainable for the rest of their life. To achieve this, you, in consultation with your client, need to carefully manage the income drawdown relative to the investment return on their capital.
Linked Investments Annual Charge Valuator
To help you determine the most cost efficient platform for your clients’ investments
The platforms currently on offer at STANLIB are:• STANLIB Linked Fund Range • Classic Range
• Select 50
How to use the Valuator
1. Complete the required fields, i.e. Client Name, Client ID Number, Investment Type, Investment Amount and Adviser Service Charge.
2. Insert your client’s selected funds and the percentage splits (this must add up to 100%) in the table.
3. The table will display the fund charges, the net effective platform charge, the financial adviser service charge and the lowest cost solution, e.g. STANLIB Linked Fund Range.
How to use the Tool
1. Enable the macros in the tool.
2. Complete the required fields for the Investor, Financial Adviser, Investment and Fee sections. 3. Note the additional selections, e.g. Income Gross of Tax or Net of Tax.
4. Click “Calculate”; a table with the projection of Capital, Income (Gross of Tax), Returns, Tax, Fees and Income (Net of Tax) will display until age 95. A graph will also display with the Capital Balance Remaining and Income Withdrawn. Once happy with the output, you can generate the proposal which includes the table and graph.
Risk vs Return Calculator
Assists you and your clients in selecting appropriate funds for their investment portfolio
Once you have determined your clients’ risk profiles and asset allocation mix, you need to guide them in selecting an appropriate mix of investment funds. The STANLIB Risk vs Return Calculator can assist you in the fund selection process. The tool allows you to compare various funds’ risk profiles and historic returns on a single graph over 1, 3 or 5 years. It also plots clients’ overall portfolios on the same graph, to ensure they understand the risk vs return profile of their mix of investment funds.
For each fund plotted, the risk is the standard deviation of the returns over the selected period, whilst the return is net of fees on the classes stipulated. With regards to the overall portfolio return, it is the weighted average return of all the funds based on the various weightings, whilst the risk is based on the weighted standard deviation and covariance of returns between the funds.
How to use the Risk vs Return Calculator
1. Select the funds and percentage weightings that need to be included in the calculation. Accept the notes and disclaimers. 2. The graph will illustrate the Risk vs Return profile of each underlying fund as well as the overall portfolio. You can change the
time period to 1 year, 3 years or 5 years. You can also change the funds by selecting “Change Funds”. 3. Download the output, by selecting “Download PDF”.
Client Risk Profile*
Investment Proposal
Provides professional support at point of sale
The Investment Proposal uses graphical illustrations and easy to understand terminology to help you explain the investment and to disclose the various charges and conditions associated with the investment to your clients.
Key features:
• Professional look – It can be used as a sales aid at the point of sale • It can be customised per client
There are two components to the Investment Proposal:
• Proposal Summary – All essential information appears on the summary page of the proposal, namely:
- Investment summary – Disclosure of the initial investment amount minus upfront charges - Allocation of net investment amount – Fund and asset allocation graphs
- Annual service charges – Disclosure of services charges, including fund charges, STANLIB platform charges, fund rebates and financial adviser service charges
- Linked Life Annuity disclosure – Disclosure of the annuity income details, charges and tax
• Optional sections* – Value-add information that can be used to customise the proposal:
- Introduction to STANLIB and Customer Service proposition – A brief summary of STANLIB as well as our customer service proposition
- Product introduction – A brief description of the product selected in the proposal - Client details – Include your client’s details to personalise the proposal
- Client risk profile – Highlights and explains the client’s risk profile and the proposed asset allocation range
- Risk vs return of the funds selected – Illustrates the risk vs return profile of the selected funds as well as the overall portfolio
- Investment graphs (Top 10 Holdings and Sector Allocations) – Illustrate the top 10 share holdings as well as the sectors in which the overall portfolio is invested
- Fact sheets – Download the fact sheets of the selected funds in the proposal
How it works:
PROPOSAL SummARy *Optional sections DETAILED PROPOSAL Introduction* Client Details* Investment Graphs* Product Introduction* Risk vs Return* Fact Sheets*Steps to compile a unit Trust Investment Proposal
Step 1: Select the type of investment product as well as the client type and complete the identity/passport or company number and client details.
Step 2: Select the funds and the lump sum and/or recurring investment amounts. You can amend fees in this step. Step 3: The Investment Proposal summary page displays a summary of all selections made. Edit the necessary fields, save
for later or submit to complete the process.
Step 4: You can now view, print or e-mail the Investment Proposal.
Step 5: Once your client has accepted the Investment Proposal, the new business process can start.
Steps to compile a Linked Investment Proposal
Step 1: Select the type of investment product as well as the client type and complete the identity/passport or company number and client details.
Step 2: Select the plan details for your client, i.e. lump sum and/or recurring investment, upfront and service charges as well as any other details pertaining to the selections made above.
Step 3: Select the funds and percentage weighting to determine how much of the net investment will be invested in each fund.
For retirement products, i.e. Classic Retirement Annuity Fund, Classic Preservation Pension Plan and Classic Preservation Provident Plan check that the portfolio is Regulation 28 compliant by means of the Regulation 28 and Asset Allocation tabs. The Fund List (available on our website) indicates which funds are Regulation 28 compliant. Step 4: Select from the options list the value adds you want to include in the proposal. If the Personal Details section is
selected you need to complete these details first before you can move on to the next screen.
Step 5: The Investment Proposal summary page displays a summary of all selections made. Edit the necessary fields, save for later or submit to complete the process.
Step 6: You can now view, print or e-mail the Investment Proposal.
Portfolio Construction Tool
Helps you research and analyse funds for your clients’ investments, saving you valuable time
With the Portfolio Construction Tool, you are able to:• Screen and rank all types of instruments/funds using Fund Quickrank
• Find and compare funds according to certain criteria using the Fund Screener. You are able to view the funds in four different views: Snapshot, Performance, Portfolio and Operations
• See how a portfolio is positioned and monitor the asset allocation using the Instant X-Ray. It presents a comprehensive analysis of the portfolio, including asset allocation, sector weightings, investment style, regional distribution, bond and equity statistics, and potential stock overlap
• Compare funds with Fund Compare. This is an easy way to compare the portfolios without having to print each fund's report
• Plot interactive charts
• Keep track of your clients' investments
Fund Quickrank
Step 1: You can screen and rank STANLIB’s funds and Morningstar's database of funds. You can screen the funds by: • Selecting a universe from the “Funds” drop-down menu to home in on a type of fund
• Choosing a Morningstar® Category from the drop-down list to view funds that are similar in investment strategy • Choosing a fund company from the “Company Name” drop-down list to view funds from a specific investment manager
• Entering a phrase or ISIN in the text field to view all funds with that particular word in their name
• Selecting between Income or Accumulation distribution-based funds from the "All Distribution Status" drop-down list You can use one or more options to search for the fund you are looking for.
Step 2: Click "Go" to view the funds that meet your criteria.
Step 3: Click on a column heading, e.g. “ASISA Category”, to rank the display.
You can also view a fact sheet of your selected fund by clicking on the PDF icon (next to the Morningstar Rating column). Step 4: Click “Short Term”, “Performance”, “Portfolio”, or “Fees & Details” to view additional data.
Step 5: Roll your mouse over some data columns for further detail.
Note: You can use the “Save To List” function to save your favourite or frequently used list of funds. This means you do not have to screen the full universe of funds every time.
Fund Screener
Find funds by selecting any or all of the criteria provided on the screen. Short descriptions of each data point are provided for easy reference, but you can also refer to the glossary for more information.
After you have entered your search criteria, you can run your search by clicking the “Search” button. On the results page, you can view the selected funds in one of four different views: Snapshot, Performance, Portfolio and Operations.
Instant X-Ray
Use the Morningstar X-Ray tool to see, at a glance, how the fund is positioned. X-Ray drills down to the investment's funds to display what assets they own, presenting you with a comprehensive analysis of the investment, including asset allocation, sector weightings, investment style, regional distribution, bond and equity statistics, and potential stock overlap. You need to diversify an investment across asset classes to spread investment risk and Morningstar's X-Ray tool can quickly, and easily, help you recognise, adjust and monitor this.
13 Report as of 7 Oct 2013
Morningstar® Portfolio X-Ray
Asset Allocation Top 10 Countries
Asset Allocation Port % Bmark % SA Bond 37.56 0.00 Non-SA Bond 0.42 0.00 SA Equity 18.41 0.00 SA Property 2.06 0.00 Non-SA Equity 8.26 0.00 Non-SA Property 0.00 0.00 SA Cash 21.89 0.00 Non-SA Cash 9.84 0.00 SA Other 1.56 0.00 Non-SA Other 0.00 100.00 SA Unit Trust 0.00 0.00 Non-SA Unit Trust 0.00 0.00 Not classified 0.00 0.00 Country Port % South Africa 38.02 United Kingdom 27.61 United States 14.06 Japan 8.12 China 3.05 Country Port % Switzerland 2.65 Luxembourg 2.10 Sweden 1.37 Republic of Korea 0.75 Netherlands 0.63 World Regions
America Europe Asia
<25 25-50 50-75 >75
Port %
Greater Europe 29.07
United Kingdom 11.09 Western Europe - Euro 1.22 Western Europe - Non Euro 0.83 Emerging Europe 0.02 Middle East / Africa 15.91
Port %
Americas 4.15
United States 3.99
Canada 0.16
Central & Latin America 0.00
Port %
Greater Asia 2.39
Japan 1.32
Australasia 0.00
Emerging 4 Tigers 0.47 Emerging Asia - Ex 4 Tigers 0.59
Stock Sectors Port % hCyclical 19.67 rBasic Materials 4.58 tConsumer Cyclical 3.05 yFinancial Services 9.91 uReal Estate 2.13 Port % jSensitive 10.74 iCommunication Services 2.19 oEnergy 4.86 pIndustrials 1.68 aTechnology 2.02 Port % kDefensive 11.46 sConsumer Defensive 9.29 dHealthcare 2.14 fUtilities 0.02 Investment Style 14 16 34 8 6 9 2 6 5 Value Blend Growth
Large
Mid
Small
0-10 10-25 25-50 >50
Equity Style Port
Price/Book Ratio 1.55 Price/Earnings Ratio 12.56 Price/Cashflow Ratio 6.28
Top 10 Underlying Holdings
Assets % Name Type Sector Country
8.30 Orbis Optimal SA Fund USD Fund Not Classified Bermuda
7.20 Rsa R186 10.50% 21/12/2026 Bond - Gov't/Treasury Not Classified
4.49 STANLIB Income B1 Fund Not Classified South Africa
3.59 Orbis Global Equity Fund Not Classified Bermuda
3.59 STANLIB FL High Alpha Global Equity B Fund Not Classified Jersey 3.25 Rsa R2023 7.75% 28/02/2023 Bond - Gov't/Treasury Not Classified
3.17 British American Tobacco PLC Equity Consumer Defensive United Kingdom
2.57 Sasol, Ltd. Equity Energy
2.05 Standard Bank Inst Money Market B4 Fund Not Classified South Africa
The information contained in this document has been recorded and arrived at by Glacier Financial Solutions (Pty) Ltd in good faith and from sources believed to be reliable, but no representation or warranty, expressed or implied, is made as to its accuracy, completeness or correctness. The information is provided for information purposes only and to assist the financial intermediary to submit an investment proposal to the client and should not be construed as the rendering of investment advice to the clients. Glacier Financial Solutions (Pty) Ltd accordingly accepts no liability whatsoever for any direct, indirect or consequential loss arising from the use or reliance, of the information provided in this document.
© 2012 Morningstar. All Rights Reserved. The information, data, analyses and opinions (“Information”) contained herein: (1) include the proprietary information of Morningstar and Morningstar’s third party licensors; (2) may not be copied or redistributed except as specifically authorised;(3) do not constitute investment advice;(4) are provided solely for informational purposes; (5) are not warranted to be complete, accurate or timely; and (6) may be drawn from fund data published on various dates. Morningstar is not responsible for any trading decisions, damages or other losses related to the Information or its use. Please verify all of the Information before using it and don’t make any investment decision except upon the advice of a professional financial adviser. Past performance is no guarantee of future results. The value and income derived from investments may go down as well as up.
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Compare investments
Step 1: Simply type in a fund name in the blank box above "Full Report". As you type a fund name, you will start seeing a list of available matches.
Step 2: Select your fund and wait for the page to refresh and the data to appear.
Step 3: Repeat this process in the next box, again waiting for the page to reload before moving on to the third box. Step 4: Click the "Full Report" button if you would like to see an individual fund report.Report as of 16 Aug 2013
Portfolio Comparison Report
Initial Portfolio
Proposed Portfolio
Benchmark: South Africa CPI Primary Urban Areas Benchmark: South Africa CPI Primary Urban Areas
Asset Allocation
Asset Allocation Portfolio % SA Bond 5.30 Non-SA Bond 0.19 SA Equity 25.10 SA Property 31.34 Non-SA Equity 0.04 Non-SA Property 8.89 SA Cash 2.94 Non-SA Cash 1.09 SA Other 0.00 Non-SA Other 0.00 SA Unit Trust 0.00 Non-SA Unit Trust 0.10 Not classified 25.00
Asset Allocation
Asset Allocation Portfolio % SA Bond 13.03 Non-SA Bond 2.81 SA Equity 44.48 SA Property 2.26 Non-SA Equity 15.03 Non-SA Property 0.91 SA Cash 12.74 Non-SA Cash 1.13 SA Other 0.00 Non-SA Other 0.02 SA Unit Trust 0.00 Non-SA Unit Trust 7.61 Not classified 0.00 The Asset Allocation Graph and table show how assets in each portfolio are allocated among asset classes.
Investment Style
Equity Style
0-10 10-25 25-50 >50
Style
Value Blend Growth
Small Mid Large Size 8 20 35 13 16 4 3 1 0 Investment Style Equity Style 0-10 10-25 25-50 >50 Style
Value Blend Growth
Small Mid Large Size 5 15 33 8 11 12 6 8 2
The Equity Style box shows how the investments are classified in terms of the size of the companies (large, medium, and small) and their price characteristics (value, core, and growth). Note the percentages may not add up to 100% as you holdings may own other types of investments such as cash.
Stock Sectors Equity % h Cyclical 82.33 r Basic Materials 10.90 t Consumer Cyclical 0.47 y Financial Services 7.49 u Real Estate 63.47 j Sensitive 12.18 i Communication Services 6.99 o Energy 3.12 p Industrials 2.07 a Technology -k Defensive 5.49 s Consumer Defensive 4.84 d Healthcare 0.65 f Utilities -Not Classified 100.00 Stock Sectors Equity % h Cyclical 51.50 r Basic Materials 22.60 t Consumer Cyclical 6.66 y Financial Services 16.78 u Real Estate 5.46 j Sensitive 28.81 i Communication Services 11.05 o Energy 3.74 p Industrials 9.77 a Technology 4.25 k Defensive 19.69 s Consumer Defensive 15.44 d Healthcare 4.06 f Utilities 0.19 Not Classified 100.00
Drilling down past the fund level, the Sector Analysis summarizes the stock sector allocation of the investments across the sectors.
© 2013 Morningstar. All Rights Reserved. The information, data, analyses and opinions (“Information”) contained herein: (1) include the proprietary information of Morningstar and Morningstar’s third party licensors; (2) may not be copied or redistributed except as specifically authorised;(3) do not constitute investment advice;(4) are provided solely for informational purposes; (5) are not warranted to be complete, accurate or timely; and (6) may be drawn from fund data published on various dates. Morningstar is not responsible for any trading decisions, damages or other losses related to the Information or its use. Please verify all of the Information before using it and don’t make any investment decision except upon the advice of a professional financial adviser. Past performance is no guarantee of future results. The value and income derived from investments may go down as well as up.
Monitoring and Tracking Reports
Gives you access to a complete suite of reports to help you track and monitor your clients’ investment
instructions, e.g. new business applications, switches and repurchases
The reports are:
• Requirements Management – Highlights any outstanding requirements at the new business stage. Gives you immediate notification
• Cases in Progress – Provides the status of your investment transactions, i.e. new business, switches and withdrawals • Completed Cases – Provides a summary of all your cases that have been completed over a selected period
Switch and Rebalance Tool with CGT Calculator
Assists you in completing a switch or rebalance instruction
The Tool is designed in Microsoft Excel and requires that the Macros on your computer are enabled in order for you to proceed. The purpose of this tool is to show your clients how their switch or rebalance instructions will be done.
Interactive charts
The interactive chart enables you to compare the return of a fund against other funds or its benchmark. You can view the returns for different time periods namely:
• 3 months • 6 months • 3 years • 5 years • 10 years
• A specified date range
Keeping track of clients' investments
You can add clients to your database and keep track of the following information:
• Portfolio – Create an investment portfolio for your clients by adding their portfolio of funds or stocks. You can also add a watch list investment portfolio
• Notes – Save any additional notes relating to a particular client in the notes section
• Plans – Create different plans for your clients to meet their risk appetites. Compare their existing investment portfolio to a proposed investment portfolio
• Client details – You can save detailed information in this section
For Switch instructions
Step 1: Log on to STANLIB Online and obtain a current dated, detailed statement for your client. Step 2: Open the tool in Microsoft Excel and enable all Macros.
Step 3: Select “Switch”.
Step 4: Complete the “Investor Details” section.
Step 5: Complete the details under the “Switch From” section using the details in your client’s detailed statement.
Step 6: In the “Switch To” section, select a percentage or rand value switch. Complete the detail of the funds you would like to switch to and click “Calculate”.
Note: The tool will take a few seconds to prepare the switch instruction.
Step 7: Select “Switch” if you want to change the input data on your switch, “Rebalance” if you would like to do a rebalance instead of a switch or select “Generate Form” to generate a Switch/Rebalance form with the instructions.
Step 8: Once generated, you have the option to print the Switch form, enter information to rebalance another client’s investment account or enter information to switch funds for another client’s investment account.
For Rebalance instructions
Step 1: Log on to STANLIB Online and obtain a current dated, detailed statement for your client. Step 2: Open the tool in Microsoft Excel and enable all Macros.
Step 3: Select “Rebalance”.
Step 4: Complete the “Investor Details” section.
Step 5: Complete the details under the “Switch From” section using the details in your client’s detailed statement. Step 6: In the “Rebalance To” section, select a percentage or rand value rebalance, complete the details and click “Calculate”.
Note: The tool will take a few seconds to prepare the rebalance instruction. The “Rebalance Instruction” section shows you how your client’s funds will be rebalanced. The “Rebalanced Portfolio” section will display the new fund selections.
Step 7: Select “Rebalance” if you want to change the input data on your rebalance, “Switch” if you would like to do a switch instead of a rebalance or select “Generate Form” to generate a Switch/Rebalance form with the instructions. Step 8: Once generated, you have the option to print the Rebalance form, enter information to rebalance another client’s
investment account or enter information to switch funds for another client’s investment account.
Investment Review Report
Assist you in your investment reviews with your clients
In the fast-changing world of investments it is necessary to review your clients’ investments on a regular basis. In addition to the changes in the environment, there may also be changes affecting your clients’ investment objectives, risk profiles and time horizons.
The Report consists of the following sections:
Cumulative Cash Flow vs Market Value
This chart shows two series of values plotted together. The cash flow series is a cumulative measure of the gross net investment, which includes all investments (inflows) and withdrawals (outflows). This measure explicitly excludes any fees that are incurred, interest on pending investments, and distributions made in respect of each fund. The market value series indicates the actual value of the investment over the specified period and is calculated by the number of units multiplied by market price per unit. Market movement has no effect on the cash flow value, but any changes in cash flow – together with investment market fluctuations – will have a subsequent effect on the market value.
Asset Allocation at a certain date
This section provides a table detailing the asset allocation of your client’s funds in the investment including the effective allocation of the overall portfolio. This chart is very useful when you are checking the overall investment position, comparing it to the required asset allocation.
Statements
We provide the following statements:
Valuation Statement
• Shows the value of your clients’ investments at a particular date in time
• You do not have the option to select a date range; you may only select a particular date in time
Summary Statement
• Shows the value of clients’ investments at the beginning and the end of the selected statement period • You have the option to select a date range
Detailed Statement
• This statement is in addition to the Summary Statement. It includes detailed transactions that took place within the selected statement period, for all funds in your client’s investment
• Shows the Rate of Return (RoR) over the statement period if it is less than one year, and the Internal Rate of Return (IRR) over the statement period if it is one year or longer
• You have the option to select a date range
The growth since commencement/period can be calculated using the investment details section below.
The calculations are: Growth Over Period =
Closing Balance
- Additional investments for statement period - Additional Adjustments for statement Period
+ (Withdrawals incl. charges and decrease in unit adjustment for statement period * -1) - Opening Balance
Growth Since Commencement =
Closing Balance
- Initial Investment Amount - Total additional investments - Total increase in unit adjustments
Top Holdings of Portfolio
This section contains a table and chart detailing the significant investment holdings for the overall investment portfolio. This information is very useful in analysing the effect of diversification when investing across a number of different funds.
Sector Allocation of Portfolio
This chart and table provides a snapshot of the overall investment position according to the different market sectors. This information is also very useful when determining which economic sector the investment is weighted towards and is helpful in checking whether your client is too heavily weighted in one specific sector.
Portfolio Performance
The performance chart shows the price of the entire underlying funds indexed to a 100 from the beginning of the time period. You are able to see how the funds in the investment have been performing historically. The benchmarks for each of the STANLIB funds have also been included as a comparison.
Mr. Andrzei Gorny
PO BOX 2597 RANDBURG 2125
Statement Type Summary Statement
Product Classic Preservation Provident Plan
Investment Number PP3022115
Statement Date 06/01/2015
Statement Period 30/12/2014 to 30/12/2014
Selected Retirement Age 65
Financial Adviser Details
Financial adviser name Yoren Chetty
Brokerage NMG Agency (Pty) Ltd
Financial adviser code 1576522
Financial adviser contact number 0115093000
Financial adviser e-mail address [email protected]
Investment Details
Commencement date 30/12/2014
Initial investment amount R 1,449,342.40
Additional investments for statement period R 0.00
Increase in Unit Adjustment for statement period R 0.00
Withdrawals incl. charges and decrease in unit adjustment for statement period R 0.00
Growth since commencement R -23,393.99
Fund Group
C (Classic Portfolio), S (Stanlib Select), FC (Fundamental Choice), LR (Stanlib Linked Fund Range)
Model Portfolios
Funds indicated with an (*) is a model portfolio
Investment Summary
Fund Fund
Group Units Price ( c ) Values ( R )Portfolio 30/12/2014
Units Price ( c ) Portfolio Values ( R )
30/12/2014 % Split *NMG Targeted and Real Return
Solution - CPI + 6% (RE) LR 0.00 1,425,948.41 100.00
Fee Comparison Tool
Determines the fees your clients will pay if they switch to the STANLIB Linked Fund Range
The Fee Comparison Tool compares your clients’ current fees on the Classic, Select 50 or Select 40 fund platforms with the new STANLIB Linked Fund Range.
How to use the Tool:
There are four sections in the Fee Comparison Tool:
• Search – You can search for an existing Linked Investment by inserting a STANLIB ID, Client Name or Investment Number
• Investment detail – Once your client’s current investment portfolio appears on screen, click “Investment Number”. A table will display detailing your client’s current funds and the fees
• STANLIB Linked Fund Range – This section will populate with the same funds in your client’s current investment portfolio - if they are available on the Linked Range platform. If some of the funds are not available in the STANLIB Linked Fund Range, please choose another fund or funds. You can do this by clicking “Add”
• Fee Comparison – Once your client’s investment portfolio adds up to 100%, a “Compare” button will appear. Click “Compare” to compare the fees on your client’s current range with that of the STANLIB Linked Fund Range The Fee Comparison Tool is available on STANLIB Online in Tools & Calculators section.
Disclaimer
As neither STANLIB Wealth Management Limited nor its representatives did a full needs analysis in respect of a particular investor, the investor understands that there may be limitations on the appropriateness of any information in this document with regard to the investor’s unique objectives, financial situation and particular needs. The information and content of this document are intended to be for information purposes only and STANLIB does not guarantee the suitability or potential value of any information contained herein. STANLIB Wealth Management Limited does not
