Secured Investment (Part Bonds)

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Investment Interest Rates and Options

Earn a rate on maturity of 9.5% p.a.* on five-year investments of R5 000 or more.

Fedgroup Secured Investment is a high-return, low-risk, investment solution. Choose between a fixed or variable rate,
and our growth or income options, to grow your money and achieve your investment goals.

*Rate on maturity if the interest is reinvested over a five-year period at a nominal rate of 7.8% p.a.

Investing for growth

Earn a higher rate by reinvesting your interest each month for maximum capital growth. Simply invest a lump sum of R5 000 or more. Your capital is secure for the full five-year term. At the end of this term, you can choose to withdraw your investment, or reinvest with us.

Investing for income

Simply invest a lump sum of R5 000 or more and withdraw the interest each month. Your capital is secure for the full term. You can regularly withdraw all the interest, or just a portion of it. This is a great option if you'd like a monthly income, as a retirement income solution, or if you want to save while still having some flexibility.

Growth

Minimum fixed deposit for the growth investment option:

R5 000

Minimum term:

5 years

Interest rate:

9.5% p.a.*

Interest earned monthly in advance and reinvested.

Capital withdrawal:

Not permitted during the initial 5 years but free thereafter.

Income

Minimum Investment on the monthly income investment option:

R5 000

Minimum term:

5 years

Interest rate:

7.8% p.a.

Earned monthly in advance. Interest can either be paid out or reinvested.

Capital withdrawal:

Not permitted during the initial 5 years but free thereafter.

FEATUREGROWTH OPTIONINCOME OPTION
Minimum lump sum investmentR 5 000R 5 000
Maximum investmentNot applicableNot applicable
TermFixed for 5 yearsFixed for 5 years
RateFixed for the termFixed for the term
Interest earned monthly in advanceReinvestedPaid out
Capital withdrawal or redemptionNot permitted during the term
but free thereafter
Not permitted during the term
but free thereafter
FIXED RATE
Nominal Rate7.8%7.8%
1-Year Effective Rate8.08%Varies based on income payout
5-Year Rate on maturity 9.50%*Varies based on income payout

*Rate on maturity if the interest is reinvested over a five-year period at a nominal rate of 7.8% p.a.

VARIABLE RATE
Nominal Rate8.1%*8.1%
1-Year Effective Rate8.41%*Varies based on income payout
5-Year Rate on maturity9.95%*Varies based on income payout

*The variable rate is based on Fedgroup's prime rate and aligned to the prime lending rate published by the SARB. When that rate rises or falls, Fedgroup's prime rate can change, which is what causes the variability in the rate of the investment.

Please confirm the interest rates at the time of investment.

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