Our flagship funds are the Gold Coin Unit Trust,  Segregated High Income Fund and Segregated Equity Fund.

Gold Coin Unit Trust

In July 2022, the Reserve Bank of Zimbabwe issued Mosi-Oa-Tunya Gold Coins to, among other reasons, promote a savings culture in Zimbabwe. The Bard Santner Gold Coin Unit Trust enables Zimbabweans to invest in an asset whose value is directly linked to the international gold price
offering investors a platform to save while preserving value.

Segregated High Income Fund

This is a low to medium risk USD fixed income fund, returning 16.5% per annum. It suits investors who want to receive stable income while ensuring that their investment retains value and can be accessed when the need arises.

Segregated Equity Fund

The aim of the fund is to preserve value of local currency denominated savings. The fund invests in Zimbabwe Stock Exchange listed blue-chip firms and a selection of other listed companies with strong cashflows and higher than average growth prospects. The benchmark return is the ZSE All Share Index.This is a medium risk fund and suits investors who want to see the value of their portfolios appreciating steadily in real terms over time.

Our flagship funds are the Gold Coin Unit Trust,  Segregated High Income Fund and Segregated Equity Fund.

Gold Coin Unit Trust

In July 2022, the Reserve Bank of Zimbabwe issued Mosi-Oa-Tunya Gold Coins to, among other reasons, promote a savings culture in Zimbabwe. The Bard Santner Gold Coin Unit Trust enables Zimbabweans to invest in an asset whose value is directly linked to the international gold price
offering investors a platform to save while preserving value.

Segregated High Income Fund

This is a low to medium risk USD fixed income fund, returning 16.5% per annum. It suits investors who want to receive stable income while ensuring that their investment retains value and can be accessed when the need arises.

Segregated Equity Fund

The aim of the fund is to preserve value of local currency denominated savings. The fund invests in Zimbabwe Stock Exchange listed blue-chip firms and a selection of other listed companies with strong cashflows and higher than average growth prospects. The benchmark return is the ZSE All Share Index.This is a medium risk fund and suits investors who want to see the value of their portfolios appreciating steadily in real terms over time.

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Bard Santner Gold Coin Unit Trust (ZWL/USD)

Bard Santner Segregated Investors High Income Fund (USD)

Bard Santner Investors Segregated Equity Fund (ZWL)

SECZIM regulated fund

SECZIM regulated fund

SECZIM regulated fund

Low risk

Low-medium risk

Medium risk

> 80% gold coins

Cash – 5%, debentures – 95%

Cash – 10%, equities – 90%

7 calendar days

60-day liquidity until maturity

Liquidity 1 year +

Bard Santner Gold Coin Unit Trust (ZWL/USD)

Bard Santner Segregated Investors High Income Fund (USD)

Bard Santner Investors Segregated Equity Fund (ZWL)

Common Questions

What are unit trusts?
Unit trusts offer an easy, convenient way to invest. Simply put, a pool of investors' money is used to invest in financial instruments such as equities (shares) and bonds, and in this case gold coins. This pool is then divided into equal units where each unit contains the same proportion of assets in the fund. Investors then share in the fund's gains, losses, income and expenses.

What are the benefits of investing in the gold coin unit trust?
• You are buying a gold linked asset at a much lower cost than buying the actual gold coin.
• Gold is a long-term store of value and hedge against inflation.
• The unit trust enables you to accumulate savings.

What does it cost to invest?
The annual management fees of the unit trust are 3.5% of the total value of units.

Can I invest in ZWL and cash out in USD or vice-versa?
You will be paid out in the currency in which you invest. ZWL investments will be linked to the bank rate at the time of redemption.

Is the return fixed or variable?
The return is a fixed return of 16.5%

How long should I invest?
You should invest for at least a year

How are funds invested?
We buy MFI debentures

What is the cost of investing in the High Income Fund?
Our management fees are 0.5%

What is the redemption notice period?
60 days if investing for less than 1 year

Is the return fixed or variable?
The return is variable and target return is CPI + 5%.

How long should I invest?
You should invest for at least a year

How are funds invested?
In a mix of blue chip, emerging blue chip and speculative counters

What is the cost of investing in the Segregated Equity Fund?
Our management fees are 0.5% and set up fees are 0.5%

What is the redemption notice period?
14 days