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Financial planning

Overview

Examples of accepted collateral


  • Listed shares
  • Unit trusts
  • Off-shore shares
  • Bank guarantees

Facility terms


There are a number of repayment options to suit the client's requirements. The most commonly used repayment options are:

  • Interest only bullet repayment

    The full facility is available over the full term. Monthly interest and fees must be serviced and the loan amount is settled at the end of the facility.

  • Interest roll up bullet repayment

    The full facility is available over the full term. Monthly interest and fees only need to be serviced when the approved credit utilisation limit is exceeded. The loan amount is settled at the end of the facility.

Margin call


The Bank will monitor your share portfolio on a daily basis to ensure your investment strategy works for you. In order to prevent the portfolio from major deprecation, should the portfolio fall by more than 15% a margin call breach will be triggered which will require top-up collateral to be provided. This will also allow you to adjust your asset allocation and strategy.

Securities Based Lending


Email:
SBLleads@fnb.co.za

Access to liquidity


Quick and simple access to funds without having to sell securities, while maintaining participation and appreciation of the investment portfolio. Receive access to an alternate source of funding for property finance or to finance your lifestyle needs. The loan is customised around your repayment, amount, time frame and collateral structures.

Diversify portfolio


A key pillar to any wealth preservation strategy is diversification. Through the Securities Based Lending solution, you could further increase your shares portfolio that is unrelated to your main line of business, thus not only allowing you to use the power of gearing but also diversify your returns away from your main line of income.

Another benefit is the gearing of securities yet to be acquired with the loan proceeds for both local and offshore investments.

Increased investment exposure


If utilised correctly the power of gearing provides higher returns on your share portfolio than if you were to not use the power of gearing. This will assist you with all upside potential accruing to your portfolio.

Access to specialists


Securities Based Lending will provide you with a Wealth Manager or Fiduciary Specialist to help you identify and create your target share portfolio for potential gearing.

Securities Based Lending


Diversify your investments
without liquidating

The Securities Based Lending offering is the ideal vehicle for getting quick access to funds - without having to liquidate securities, provides the power
of gearing for higher returns - which means your investment portfolio can continue to move with the markets and grow.

 

What this is


Ideal for quick access
to inexpensive funds

 

With no restrictions on what the loan can be used for, Securities Based Lending is the ideal vehicle to access liquidity, simply by using collateral such as cash, listed shares; unit trusts; local cash investments; preference shares; exchange traded funds (ETFs); real estate investment trusts (REITs); government bonds; guarantees, & offshore investment.

This form of lending provides flexibility and gears share investors towards creating or sustaining wealth without disrupting the set long-term investment goals.

Benefits


Access to liquidity

Provides liquidity to you without having to sell exisiting shares

Read more

Diversify portfolio

Diversify your returns away from your main line of income

Read more

Increased investment exposure

Gearing provides higher returns on your share portfolio

Read more

 

How much you get


Funds arranged with minimal paperwork

A full credit review of the amount of money you'll qualify for is entirely based on the diversity, liquidity, serviceability and market value of your portfolio.

The loan to value amount is largely dependent on the diversity of your portfolio.

  • Up to 30% on a single counter portfolio consisting of non-Top 40 shares
  • Up to 50% on a single counter portfolio consisting of Top 40 shares
  • Up to 50% on a balanced portfolio provided there are a minimum of five counters
  • No counter has more than a 25% weighting
  • No more than 70% of the counters are in one industry.

Assets you can use


Assets as collateral

The following movable assets can be used as collateral:

  • Cash
  • Listed shares
  • Unit trusts
  • Local cash investments
  • Preferential shares
  • Exchange traded funds (EFTs)
  • Real estate investment trusts (REITs)
  • Government bonds
  • Offshore investments (these will be evaluated on a case-by-case basis to determine acceptability
 
 

Fact sheet


Additional considerations

Can I continue to trade on my portfolio?

Portfolios ceded against facilities are generally on a non-discretionary basis and are held with a long term view. As a result trading on a ceded portfolio will not be permitted without the prior written consent of the bank. The consent of which shall not be unreasonably withheld.

Getting it made easy


Securities Based Lending

How to get it

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