🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 64 (from laksa056)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa064.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical, ml_categories_json AS ml_categories_json, ml_types_json AS ml_types_json, ml_intent_types_json AS ml_intent_types_json, meta_language AS meta_language, attrs_author AS attrs_author, ifNull(toUnixTimestamp(attrs_publish_time), 0) AS attrs_publish_time, ifNull(toUnixTimestamp(attrs_original_publish_time), 0) AS attrs_original_publish_time, ifNull(attrs_is_republished, 0) AS attrs_is_republished, ifNull(attrs_nr_words, 0) AS attrs_nr_words, ifNull(attrs_boilerpipe_nr_words, 0) AS attrs_boilerpipe_nr_words, ifNull(body_ext_links_number, 0) AS body_ext_links_number, ifNull(body_int_links_number, 0) AS body_int_links_number, ifNull(meta_nofollow, 0) AS meta_nofollow, ifNull(meta_noarchive, 0) AS meta_noarchive, ifNull(props_was_rendered, 0) AS props_was_rendered, ifNull(src_redirect, \'\') AS src_redirect, ifNull(download_time_msec, 0) AS download_time_msec, ifNull(download_ttfb_msec, 0) AS download_ttfb_msec, ifNull(download_size, 0) AS download_size FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://localmoney.co.za/what-is-the-difference-between-an-etf-and-a-unit-trust/\')), getAhrefsUnparsedNoserviceFromURL(\'https://localmoney.co.za/what-is-the-difference-between-an-etf-and-a-unit-trust/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/localmoney.co.za\/what-is-the-difference-between-an-etf-and-a-unit-trust\/","crawl_time":1774421194,"first_indexed_time":1641136930,"http_code":200,"src_unparsed":"za,co,localmoney!\/what-is-the-difference-between-an-etf-and-a-unit-trust\/ s443","src_root_hash":"15191670108571708064","history_drop_reason":null,"meta_title":"Is An ETF Better Than A Unit Trust? - \/\/ LOCALMONEY","meta_descriptions":["Unit trusts and ETFs A friend of mine recently contacted his broker and requested information about investing in ETFs. He received feedback that they don't offer the service. Yet, they do have unit trusts. What is the difference between an ETF and a unit trust? Note: if you have no idea what an ETF is, check"],"attrs_boilerpipe_text":"Unit trusts and ETFs\nA friend of mine recently contacted his broker and requested information about investing in ETFs. He received feedback that they don’t offer the service. Yet, they do have unit trusts. \nWhat is the difference between an ETF and a unit trust? \nNote: if you have no idea what an ETF is, check out my article\nhere\n!\nHow do indexes work?\nTo understand the differences between unit trusts and ETFs, we need to look at indexes. In the magical world of finances, the coffee powers that be created indexes. These indexes are nothing more than a set of rules. Think of it as a shopping list that Mrs Frugal often gives me:\nOnly buy from our local dairy\nBuy only for our household\nDon’t stock up more than we can use.\nBuy milk if it’s not more than R13 a litre\nBuy 2 000 000 KG of coffee beans.\nCheck the price of Yoghurt. If it is on special for under R 22 per kilogram, buy 2.\nIndexes work in the same way. For example, the S&P 500 index has many rules that include:\na company should be a U.S. company,\nThe company should have a market capitalization of at least USD 8.2 billion,\nIt needs to be highly liquid,\nIt needs to have a public float of at least 10% of its shares outstanding (whatever that means!)\nIf this thing (which could be a share, bond, fund or property) applies to the rules, it is eligible to be bought at the ratio that the rules specify. The rules get reapplied from time to time, depending on the rules (i.e. recheck the price of the yoghurt).\nIn what way are unit trusts and ETFs the same?\nSome unit trusts do track an index. For the purpose of the comparison, I will compare the index-tracking unit trusts with ETFs. \nUnit trusts and ETFs are the same in the following ways:\nETFs generally track indexes. Many unit trusts can also track indexes. This means your investment is transparent and you know what your money is being invested. \nBoth unit trusts and ETFs buy the underlying asset that is tracked by the index.\nBoth are governed by the Collective Investments Scheme Control Act (CISCA) –\nsource here\n.\nThe fees charged are generally low, as the decisions on where to invest don’t require analysts\nHow do unit trusts and ETFs differ?\nThough these might look the same, there are some small differences that can make a difference in your returns:\nETFs are traded throughout the day, whereas unit trusts are priced once per day. This means depending on how the price goes up and down, you might win\/lose a bit of money\nETFs are traded on the stock market. This means that you’ll need to give a buy instruction to your broker (or whoever) to buy. Unit trusts on the other hand are managed like a mutual fund: you pay the money and when they’re ready they will buy the underlying assets that the index is tracking.\nWhen investing in ETFs, you will pay a brokerage fee as you are buying a stake in the fund. \nWhen buying unit trusts, as the investment firm will buy on your behalf, this should be included in the TER. The total expense ratio (TER) should include all costs from the fund, but often does not include FA and platform fees. \nThings will need to be bought and sold and fees will need to be paid!\nWhen cashing out your ETF, you might need to wait up to 3 days for the ETF funds to clear. Your unit trust on the other hand can clear a lot faster.\nQuick biased fee analysis\nI decided to check out the MSCI World (Developed Markets) Index. Both these funds track the same index. I am fully aware that one cannot just use the fund fact sheet, as this does not include the broker charges. It does make for fun calculations to check yourself what the impact of using your chosen broker is going to be. \nSatrix MSCI World Feeder Fund Unit Trust\nThe fund fact sheet can be found\nhere\n.\nYou’ll see that the TER seems to be quite a lot higher – at 0.89% p.a. The transaction cost of 0.08 has been included. \nSartix MSCI World Feeder ETF\nThe fund fact sheet can be found\nhere\n.\nYou’ll see that the TER is only 0.35%, with no transaction cost. We know that this is not true, as we still need to buy the asset. This is charged by the broker, and not by the fund itself.\nChoosing a unit trust or ETF\nFrom my research, I have found that unit trusts that track indexes and ETFs have really low-cost differences. Any fees under 2% tend to be generally acceptable in the industry. If you are planning to invest lots of money for a long time (such as over 20-40 years), it would make sense that the annual fees would play a bigger role than the initial buying instruction.\nThe choice will eventually be up to you. \nConclusion\nA nice experiment would be buying both, comparing the transaction fees involved and how the performance is impacted in the long run by fees, initial higher buying costs, etc.\nHappy investing!","attrs_markdown":"[\/\/ LOCALMONEY](https:\/\/localmoney.co.za\/)\n\n- [Home](https:\/\/localmoney.co.za\/)\n- [Property](https:\/\/localmoney.co.za\/what-is-the-difference-between-an-etf-and-a-unit-trust\/)\n  - - - ##### Get Started On Property\n      - [Get Started On Property](https:\/\/localmoney.co.za\/category\/property-and-real-estate\/property-real-estate-i-want-to-get-into-property\/)\n      - [First-time property investor](https:\/\/localmoney.co.za\/first-time-property-investor\/)\n    - - ##### Property Tools\n      - [Should I buy my property in a trust, company or in my own name?](https:\/\/localmoney.co.za\/should-i-buy-my-property-in-a-trust-company-or-on-my-own-name\/)\n      - [Rental property inspections \/\/ Checklists](https:\/\/localmoney.co.za\/how-to-do-a-rental-property-inspection-with-checklist\/)\n      - [Home Loan Calculator South Africa](https:\/\/localmoney.co.za\/home-loan-calculator-south-africa\/)\n    - - ##### Property Articles\n      - [Property And Tax](https:\/\/localmoney.co.za\/category\/tax\/investment-property-tax\/)\n      - [Advanced Property Articles](https:\/\/localmoney.co.za\/category\/property-and-real-estate\/advanced-investment-property\/)\n      - [All Articles On Property](https:\/\/localmoney.co.za\/category\/property-and-real-estate\/)\n- [Money](https:\/\/localmoney.co.za\/what-is-the-difference-between-an-etf-and-a-unit-trust\/)\n  - - - ##### Personal Finance\n      - [Get started investing in the stock market](https:\/\/localmoney.co.za\/how-to-start-investing-in-the-stock-market\/)\n      - [How To Build Your Credit Score](https:\/\/localmoney.co.za\/the-beginners-guide-on-how-to-build-your-credit-score\/)\n      - [All personal finance articles](https:\/\/localmoney.co.za\/category\/personal-finance\/)\n    - - ##### Get It Cheaper\n      - [Stockbroker Platform Fee Comparison](https:\/\/localmoney.co.za\/which-investment-platform-is-the-cheapest-a-fee-comparison\/)\n      - [Cryptocurrency Platform Fee Comparison](https:\/\/localmoney.co.za\/which-cryptocurrency-platform-is-the-cheapest-a-fee-comparison\/)\n- [Hustles](https:\/\/localmoney.co.za\/what-is-the-difference-between-an-etf-and-a-unit-trust\/)\n  - - - [I need a hustle](https:\/\/localmoney.co.za\/category\/hustles-and-business\/hustles-and-business-i-want-to-start-a-business\/)\n      - [All Hustle Articles](https:\/\/localmoney.co.za\/category\/hustles-and-business\/)\n- [Blog](https:\/\/localmoney.co.za\/blog\/)\n- [Store](https:\/\/localmoney.co.za\/product-category\/uncategorized\/)\n- [Media \/\/ Contact](https:\/\/localmoney.co.za\/what-is-the-difference-between-an-etf-and-a-unit-trust\/)\n  - - - [FrugalLocal in the Media](https:\/\/localmoney.co.za\/frugallocal-in-the-media\/)\n      - [Work with Me](https:\/\/localmoney.co.za\/work-with-me\/)\n      - [Contact Frugal](https:\/\/localmoney.co.za\/contact-frugal\/)\n\n[\/\/ LOCALMONEY](https:\/\/localmoney.co.za\/)\n\n- [Home](https:\/\/localmoney.co.za\/)\n- [Property](https:\/\/localmoney.co.za\/what-is-the-difference-between-an-etf-and-a-unit-trust\/)\n  - - - ##### Get Started On Property\n      - [Get Started On Property](https:\/\/localmoney.co.za\/category\/property-and-real-estate\/property-real-estate-i-want-to-get-into-property\/)\n      - [First-time property investor](https:\/\/localmoney.co.za\/first-time-property-investor\/)\n    - - ##### Property Tools\n      - [Should I buy my property in a trust, company or in my own name?](https:\/\/localmoney.co.za\/should-i-buy-my-property-in-a-trust-company-or-on-my-own-name\/)\n      - [Rental property inspections \/\/ Checklists](https:\/\/localmoney.co.za\/how-to-do-a-rental-property-inspection-with-checklist\/)\n      - [Home Loan Calculator South Africa](https:\/\/localmoney.co.za\/home-loan-calculator-south-africa\/)\n    - - ##### Property Articles\n      - [Property And Tax](https:\/\/localmoney.co.za\/category\/tax\/investment-property-tax\/)\n      - [Advanced Property Articles](https:\/\/localmoney.co.za\/category\/property-and-real-estate\/advanced-investment-property\/)\n      - [All Articles On Property](https:\/\/localmoney.co.za\/category\/property-and-real-estate\/)\n- [Money](https:\/\/localmoney.co.za\/what-is-the-difference-between-an-etf-and-a-unit-trust\/)\n  - - - ##### Personal Finance\n      - [Get started investing in the stock market](https:\/\/localmoney.co.za\/how-to-start-investing-in-the-stock-market\/)\n      - [How To Build Your Credit Score](https:\/\/localmoney.co.za\/the-beginners-guide-on-how-to-build-your-credit-score\/)\n      - [All personal finance articles](https:\/\/localmoney.co.za\/category\/personal-finance\/)\n    - - ##### Get It Cheaper\n      - [Stockbroker Platform Fee Comparison](https:\/\/localmoney.co.za\/which-investment-platform-is-the-cheapest-a-fee-comparison\/)\n      - [Cryptocurrency Platform Fee Comparison](https:\/\/localmoney.co.za\/which-cryptocurrency-platform-is-the-cheapest-a-fee-comparison\/)\n- [Hustles](https:\/\/localmoney.co.za\/what-is-the-difference-between-an-etf-and-a-unit-trust\/)\n  - - - [I need a hustle](https:\/\/localmoney.co.za\/category\/hustles-and-business\/hustles-and-business-i-want-to-start-a-business\/)\n      - [All Hustle Articles](https:\/\/localmoney.co.za\/category\/hustles-and-business\/)\n- [Blog](https:\/\/localmoney.co.za\/blog\/)\n- [Store](https:\/\/localmoney.co.za\/product-category\/uncategorized\/)\n- [Media \/\/ Contact](https:\/\/localmoney.co.za\/what-is-the-difference-between-an-etf-and-a-unit-trust\/)\n  - - - [FrugalLocal in the Media](https:\/\/localmoney.co.za\/frugallocal-in-the-media\/)\n      - [Work with Me](https:\/\/localmoney.co.za\/work-with-me\/)\n      - [Contact Frugal](https:\/\/localmoney.co.za\/contact-frugal\/)\n\n# Is An ETF Better Than A Unit Trust?\nLooking for a specific article?\n\nCategories\n\n# Is An ETF Better Than A Unit Trust?\n## With LocalMoney && FrugalLocal\n\n![](https:\/\/localmoney.co.za\/wp-content\/uploads\/2023\/04\/Untitled-design.jpg)\n\n## Unit trusts and ETFs\nA friend of mine recently contacted his broker and requested information about investing in ETFs. He received feedback that they don’t offer the service. Yet, they do have unit trusts.\n\nWhat is the difference between an ETF and a unit trust?\n\nNote: if you have no idea what an ETF is, check out my article [here](https:\/\/localmoney.co.za\/investment-vehicles-investing-in-etfs\/)\\!\n\n## How do indexes work?\nTo understand the differences between unit trusts and ETFs, we need to look at indexes. In the magical world of finances, the coffee powers that be created indexes. These indexes are nothing more than a set of rules. Think of it as a shopping list that Mrs Frugal often gives me:\n\n- Only buy from our local dairy\n- Buy only for our household\n- Don’t stock up more than we can use.\n- Buy milk if it’s not more than R13 a litre\n- Buy 2 000 000 KG of coffee beans.\n- Check the price of Yoghurt. If it is on special for under R 22 per kilogram, buy 2.\n\n![](https:\/\/localmoney.co.za\/wp-content\/uploads\/2021\/01\/Stockss-768x768-1.jpg)\n\nIndexes work in the same way. For example, the S\\&P 500 index has many rules that include:\n\n- a company should be a U.S. company,\n- The company should have a market capitalization of at least USD 8.2 billion,\n- It needs to be highly liquid,\n- It needs to have a public float of at least 10% of its shares outstanding (whatever that means!)\n\nIf this thing (which could be a share, bond, fund or property) applies to the rules, it is eligible to be bought at the ratio that the rules specify. The rules get reapplied from time to time, depending on the rules (i.e. recheck the price of the yoghurt).\n\n## In what way are unit trusts and ETFs the same?\nSome unit trusts do track an index. For the purpose of the comparison, I will compare the index-tracking unit trusts with ETFs.\n\nUnit trusts and ETFs are the same in the following ways:\n\n- ETFs generally track indexes. Many unit trusts can also track indexes. This means your investment is transparent and you know what your money is being invested.\n- Both unit trusts and ETFs buy the underlying asset that is tracked by the index.\n- Both are governed by the Collective Investments Scheme Control Act (CISCA) – [source here](https:\/\/satrix.co.za\/news\/article?id=83).\n- The fees charged are generally low, as the decisions on where to invest don’t require analysts\n## How do unit trusts and ETFs differ?\nThough these might look the same, there are some small differences that can make a difference in your returns:\n\n- ETFs are traded throughout the day, whereas unit trusts are priced once per day. This means depending on how the price goes up and down, you might win\/lose a bit of money\n- ETFs are traded on the stock market. This means that you’ll need to give a buy instruction to your broker (or whoever) to buy. Unit trusts on the other hand are managed like a mutual fund: you pay the money and when they’re ready they will buy the underlying assets that the index is tracking.\n  - When investing in ETFs, you will pay a brokerage fee as you are buying a stake in the fund.\n  - When buying unit trusts, as the investment firm will buy on your behalf, this should be included in the TER. The total expense ratio (TER) should include all costs from the fund, but often does not include FA and platform fees.\n  - Things will need to be bought and sold and fees will need to be paid\\!\n- When cashing out your ETF, you might need to wait up to 3 days for the ETF funds to clear. Your unit trust on the other hand can clear a lot faster.\n## Quick biased fee analysis\nI decided to check out the MSCI World (Developed Markets) Index. Both these funds track the same index. I am fully aware that one cannot just use the fund fact sheet, as this does not include the broker charges. It does make for fun calculations to check yourself what the impact of using your chosen broker is going to be.\n\n#### Satrix MSCI World Feeder Fund Unit Trust\n![](https:\/\/localmoney.co.za\/wp-content\/uploads\/2021\/01\/MSCIWorldFeederFund.png)\n\nThe fund fact sheet can be found [here](https:\/\/satrix.co.za\/media\/45917?inline=true).\n\nYou’ll see that the TER seems to be quite a lot higher – at 0.89% p.a. The transaction cost of 0.08 has been included.\n\n#### Sartix MSCI World Feeder ETF\n![](https:\/\/localmoney.co.za\/wp-content\/uploads\/2021\/01\/MSCIWorldETF.png)\n\nThe fund fact sheet can be found [here](https:\/\/satrix.co.za\/media\/46075?inline=true).\n\nYou’ll see that the TER is only 0.35%, with no transaction cost. We know that this is not true, as we still need to buy the asset. This is charged by the broker, and not by the fund itself.\n## Choosing a unit trust or ETF\nFrom my research, I have found that unit trusts that track indexes and ETFs have really low-cost differences. Any fees under 2% tend to be generally acceptable in the industry. If you are planning to invest lots of money for a long time (such as over 20-40 years), it would make sense that the annual fees would play a bigger role than the initial buying instruction.\n\nThe choice will eventually be up to you.\n\n## Conclusion\nA nice experiment would be buying both, comparing the transaction fees involved and how the performance is impacted in the long run by fees, initial higher buying costs, etc.\n\nHappy investing\\!\n\n←[What I learnt In My First 3 Months Of Being Self Employed](https:\/\/localmoney.co.za\/self-employment-lessons-the-first-three-months\/)\n\n[How to buy property on auction in South Africa](https:\/\/localmoney.co.za\/buying-property-at-auctions-in-south-africa\/)→\n\n- ## [Make Money Using Airbnb in South Africa](https:\/\/localmoney.co.za\/make-money-using-airbnb-in-south-africa\/)\n  [![Make Money Using Airbnb in South Africa](https:\/\/localmoney.co.za\/wp-content\/uploads\/2025\/02\/MoineyTHroughAirBnb.webp)](https:\/\/localmoney.co.za\/make-money-using-airbnb-in-south-africa\/)\n- ## [Rental Property Taxes in South Africa](https:\/\/localmoney.co.za\/rental-property-taxes-in-south-africa\/)\n  [![Rental Property Taxes in South Africa](https:\/\/localmoney.co.za\/wp-content\/uploads\/2025\/01\/PropertyTax.webp)](https:\/\/localmoney.co.za\/rental-property-taxes-in-south-africa\/)\n- ## [How to Fire Your Managing Agent Effectively](https:\/\/localmoney.co.za\/how-to-fire-your-managing-agent-effectively\/)\n  [![How to Fire Your Managing Agent Effectively](https:\/\/localmoney.co.za\/wp-content\/uploads\/2025\/01\/FireManagingAgent.webp)](https:\/\/localmoney.co.za\/how-to-fire-your-managing-agent-effectively\/)\n\n- ## [Make Money Using Airbnb in South Africa](https:\/\/localmoney.co.za\/make-money-using-airbnb-in-south-africa\/)\n  ![](https:\/\/localmoney.co.za\/wp-content\/uploads\/2025\/02\/MoineyTHroughAirBnb.webp)\n  \n  Can You Make Money from Renting Out Your Property on Airbnb, Booking.com, and Lekkeslaap? We…\n  \n  [Read more](https:\/\/localmoney.co.za\/make-money-using-airbnb-in-south-africa\/)\n  \n  February 8, 2025\n- ## [Rental Property Taxes in South Africa](https:\/\/localmoney.co.za\/rental-property-taxes-in-south-africa\/)\n  ![](https:\/\/localmoney.co.za\/wp-content\/uploads\/2025\/01\/PropertyTax.webp)\n  \n  Capital gains tax is paid on the proceeds of a property that is sold. Annual…\n  \n  [Read more](https:\/\/localmoney.co.za\/rental-property-taxes-in-south-africa\/)\n  \n  February 1, 2025\n- ## [How to Fire Your Managing Agent Effectively](https:\/\/localmoney.co.za\/how-to-fire-your-managing-agent-effectively\/)\n  ![](https:\/\/localmoney.co.za\/wp-content\/uploads\/2025\/01\/FireManagingAgent.webp)\n  \n  I own a unit in a sectional title scheme managed by MidCity. We’ve had one…\n  \n  [Read more](https:\/\/localmoney.co.za\/how-to-fire-your-managing-agent-effectively\/)\n  \n  January 18, 2025\n\nTHanks for visiting\\!\n\n## Why not subscribe to my newsletter?  It’s dark, tall and handsomE…","attrs_readable_markdown":"## Unit trusts and ETFs\nA friend of mine recently contacted his broker and requested information about investing in ETFs. He received feedback that they don’t offer the service. Yet, they do have unit trusts.\n\nWhat is the difference between an ETF and a unit trust?\n\nNote: if you have no idea what an ETF is, check out my article [here](https:\/\/localmoney.co.za\/investment-vehicles-investing-in-etfs\/)\\!\n\n## How do indexes work?\nTo understand the differences between unit trusts and ETFs, we need to look at indexes. In the magical world of finances, the coffee powers that be created indexes. These indexes are nothing more than a set of rules. Think of it as a shopping list that Mrs Frugal often gives me:\n\n- Only buy from our local dairy\n- Buy only for our household\n- Don’t stock up more than we can use.\n- Buy milk if it’s not more than R13 a litre\n- Buy 2 000 000 KG of coffee beans.\n- Check the price of Yoghurt. If it is on special for under R 22 per kilogram, buy 2.\n\n![](https:\/\/localmoney.co.za\/wp-content\/uploads\/2021\/01\/Stockss-768x768-1.jpg)\n\nIndexes work in the same way. For example, the S\\&P 500 index has many rules that include:\n\n- a company should be a U.S. company,\n- The company should have a market capitalization of at least USD 8.2 billion,\n- It needs to be highly liquid,\n- It needs to have a public float of at least 10% of its shares outstanding (whatever that means!)\n\nIf this thing (which could be a share, bond, fund or property) applies to the rules, it is eligible to be bought at the ratio that the rules specify. The rules get reapplied from time to time, depending on the rules (i.e. recheck the price of the yoghurt).\n\n## In what way are unit trusts and ETFs the same?\nSome unit trusts do track an index. For the purpose of the comparison, I will compare the index-tracking unit trusts with ETFs.\n\nUnit trusts and ETFs are the same in the following ways:\n\n- ETFs generally track indexes. Many unit trusts can also track indexes. This means your investment is transparent and you know what your money is being invested.\n- Both unit trusts and ETFs buy the underlying asset that is tracked by the index.\n- Both are governed by the Collective Investments Scheme Control Act (CISCA) – [source here](https:\/\/satrix.co.za\/news\/article?id=83).\n- The fees charged are generally low, as the decisions on where to invest don’t require analysts\n## How do unit trusts and ETFs differ?\nThough these might look the same, there are some small differences that can make a difference in your returns:\n\n- ETFs are traded throughout the day, whereas unit trusts are priced once per day. This means depending on how the price goes up and down, you might win\/lose a bit of money\n- ETFs are traded on the stock market. This means that you’ll need to give a buy instruction to your broker (or whoever) to buy. Unit trusts on the other hand are managed like a mutual fund: you pay the money and when they’re ready they will buy the underlying assets that the index is tracking.\n  - When investing in ETFs, you will pay a brokerage fee as you are buying a stake in the fund.\n  - When buying unit trusts, as the investment firm will buy on your behalf, this should be included in the TER. The total expense ratio (TER) should include all costs from the fund, but often does not include FA and platform fees.\n  - Things will need to be bought and sold and fees will need to be paid\\!\n- When cashing out your ETF, you might need to wait up to 3 days for the ETF funds to clear. Your unit trust on the other hand can clear a lot faster.\n## Quick biased fee analysis\nI decided to check out the MSCI World (Developed Markets) Index. Both these funds track the same index. I am fully aware that one cannot just use the fund fact sheet, as this does not include the broker charges. It does make for fun calculations to check yourself what the impact of using your chosen broker is going to be.\n\n#### Satrix MSCI World Feeder Fund Unit Trust\n![](https:\/\/localmoney.co.za\/wp-content\/uploads\/2021\/01\/MSCIWorldFeederFund.png)\n\nThe fund fact sheet can be found [here](https:\/\/satrix.co.za\/media\/45917?inline=true).\n\nYou’ll see that the TER seems to be quite a lot higher – at 0.89% p.a. The transaction cost of 0.08 has been included.\n\n#### Sartix MSCI World Feeder ETF\n![](https:\/\/localmoney.co.za\/wp-content\/uploads\/2021\/01\/MSCIWorldETF.png)\n\nThe fund fact sheet can be found [here](https:\/\/satrix.co.za\/media\/46075?inline=true).\n\nYou’ll see that the TER is only 0.35%, with no transaction cost. We know that this is not true, as we still need to buy the asset. This is charged by the broker, and not by the fund itself.\n## Choosing a unit trust or ETF\nFrom my research, I have found that unit trusts that track indexes and ETFs have really low-cost differences. Any fees under 2% tend to be generally acceptable in the industry. If you are planning to invest lots of money for a long time (such as over 20-40 years), it would make sense that the annual fees would play a bigger role than the initial buying instruction.\n\nThe choice will eventually be up to you.\n\n## Conclusion\nA nice experiment would be buying both, comparing the transaction fees involved and how the performance is impacted in the long run by fees, initial higher buying costs, etc.\n\nHappy investing\\!","meta_canonical":null,"ml_categories_json":"","ml_types_json":"","ml_intent_types_json":"","meta_language":"en-us","attrs_author":null,"attrs_publish_time":1610340008,"attrs_original_publish_time":1610340008,"attrs_is_republished":0,"attrs_nr_words":"1341","attrs_boilerpipe_nr_words":"884","body_ext_links_number":5,"body_int_links_number":33,"meta_nofollow":0,"meta_noarchive":0,"props_was_rendered":0,"src_redirect":"","download_time_msec":1799,"download_ttfb_msec":1798,"download_size":26234}

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Meta Title	Is An ETF Better Than A Unit Trust? - // LOCALMONEY
Meta Description	Unit trusts and ETFs A friend of mine recently contacted his broker and requested information about investing in ETFs. He received feedback that they don't offer the service. Yet, they do have unit trusts. What is the difference between an ETF and a unit trust? Note: if you have no idea what an ETF is, check
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Boilerpipe Text	Unit trusts and ETFs A friend of mine recently contacted his broker and requested information about investing in ETFs. He received feedback that they don’t offer the service. Yet, they do have unit trusts. What is the difference between an ETF and a unit trust? Note: if you have no idea what an ETF is, check out my article here ! How do indexes work? To understand the differences between unit trusts and ETFs, we need to look at indexes. In the magical world of finances, the coffee powers that be created indexes. These indexes are nothing more than a set of rules. Think of it as a shopping list that Mrs Frugal often gives me: Only buy from our local dairy Buy only for our household Don’t stock up more than we can use. Buy milk if it’s not more than R13 a litre Buy 2 000 000 KG of coffee beans. Check the price of Yoghurt. If it is on special for under R 22 per kilogram, buy 2. Indexes work in the same way. For example, the S&P 500 index has many rules that include: a company should be a U.S. company, The company should have a market capitalization of at least USD 8.2 billion, It needs to be highly liquid, It needs to have a public float of at least 10% of its shares outstanding (whatever that means!) If this thing (which could be a share, bond, fund or property) applies to the rules, it is eligible to be bought at the ratio that the rules specify. The rules get reapplied from time to time, depending on the rules (i.e. recheck the price of the yoghurt). In what way are unit trusts and ETFs the same? Some unit trusts do track an index. For the purpose of the comparison, I will compare the index-tracking unit trusts with ETFs. Unit trusts and ETFs are the same in the following ways: ETFs generally track indexes. Many unit trusts can also track indexes. This means your investment is transparent and you know what your money is being invested. Both unit trusts and ETFs buy the underlying asset that is tracked by the index. Both are governed by the Collective Investments Scheme Control Act (CISCA) – source here . The fees charged are generally low, as the decisions on where to invest don’t require analysts How do unit trusts and ETFs differ? Though these might look the same, there are some small differences that can make a difference in your returns: ETFs are traded throughout the day, whereas unit trusts are priced once per day. This means depending on how the price goes up and down, you might win/lose a bit of money ETFs are traded on the stock market. This means that you’ll need to give a buy instruction to your broker (or whoever) to buy. Unit trusts on the other hand are managed like a mutual fund: you pay the money and when they’re ready they will buy the underlying assets that the index is tracking. When investing in ETFs, you will pay a brokerage fee as you are buying a stake in the fund. When buying unit trusts, as the investment firm will buy on your behalf, this should be included in the TER. The total expense ratio (TER) should include all costs from the fund, but often does not include FA and platform fees. Things will need to be bought and sold and fees will need to be paid! When cashing out your ETF, you might need to wait up to 3 days for the ETF funds to clear. Your unit trust on the other hand can clear a lot faster. Quick biased fee analysis I decided to check out the MSCI World (Developed Markets) Index. Both these funds track the same index. I am fully aware that one cannot just use the fund fact sheet, as this does not include the broker charges. It does make for fun calculations to check yourself what the impact of using your chosen broker is going to be. Satrix MSCI World Feeder Fund Unit Trust The fund fact sheet can be found here . You’ll see that the TER seems to be quite a lot higher – at 0.89% p.a. The transaction cost of 0.08 has been included. Sartix MSCI World Feeder ETF The fund fact sheet can be found here . You’ll see that the TER is only 0.35%, with no transaction cost. We know that this is not true, as we still need to buy the asset. This is charged by the broker, and not by the fund itself. Choosing a unit trust or ETF From my research, I have found that unit trusts that track indexes and ETFs have really low-cost differences. Any fees under 2% tend to be generally acceptable in the industry. If you are planning to invest lots of money for a long time (such as over 20-40 years), it would make sense that the annual fees would play a bigger role than the initial buying instruction. The choice will eventually be up to you. Conclusion A nice experiment would be buying both, comparing the transaction fees involved and how the performance is impacted in the long run by fees, initial higher buying costs, etc. Happy investing!
Markdown	[// LOCALMONEY](https://localmoney.co.za/) - [Home](https://localmoney.co.za/) - [Property](https://localmoney.co.za/what-is-the-difference-between-an-etf-and-a-unit-trust/) - - - ##### Get Started On Property - [Get Started On Property](https://localmoney.co.za/category/property-and-real-estate/property-real-estate-i-want-to-get-into-property/) - [First-time property investor](https://localmoney.co.za/first-time-property-investor/) - - ##### Property Tools - [Should I buy my property in a trust, company or in my own name?](https://localmoney.co.za/should-i-buy-my-property-in-a-trust-company-or-on-my-own-name/) - [Rental property inspections // Checklists](https://localmoney.co.za/how-to-do-a-rental-property-inspection-with-checklist/) - [Home Loan Calculator South Africa](https://localmoney.co.za/home-loan-calculator-south-africa/) - - ##### Property Articles - [Property And Tax](https://localmoney.co.za/category/tax/investment-property-tax/) - [Advanced Property Articles](https://localmoney.co.za/category/property-and-real-estate/advanced-investment-property/) - 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[Rental property inspections // Checklists](https://localmoney.co.za/how-to-do-a-rental-property-inspection-with-checklist/) - [Home Loan Calculator South Africa](https://localmoney.co.za/home-loan-calculator-south-africa/) - - ##### Property Articles - [Property And Tax](https://localmoney.co.za/category/tax/investment-property-tax/) - [Advanced Property Articles](https://localmoney.co.za/category/property-and-real-estate/advanced-investment-property/) - [All Articles On Property](https://localmoney.co.za/category/property-and-real-estate/) - [Money](https://localmoney.co.za/what-is-the-difference-between-an-etf-and-a-unit-trust/) - - - ##### Personal Finance - [Get started investing in the stock market](https://localmoney.co.za/how-to-start-investing-in-the-stock-market/) - [How To Build Your Credit Score](https://localmoney.co.za/the-beginners-guide-on-how-to-build-your-credit-score/) - [All personal finance articles](https://localmoney.co.za/category/personal-finance/) - - ##### Get It Cheaper - [Stockbroker Platform Fee Comparison](https://localmoney.co.za/which-investment-platform-is-the-cheapest-a-fee-comparison/) - [Cryptocurrency Platform Fee Comparison](https://localmoney.co.za/which-cryptocurrency-platform-is-the-cheapest-a-fee-comparison/) - [Hustles](https://localmoney.co.za/what-is-the-difference-between-an-etf-and-a-unit-trust/) - - - [I need a hustle](https://localmoney.co.za/category/hustles-and-business/hustles-and-business-i-want-to-start-a-business/) - [All Hustle Articles](https://localmoney.co.za/category/hustles-and-business/) - [Blog](https://localmoney.co.za/blog/) - [Store](https://localmoney.co.za/product-category/uncategorized/) - [Media // Contact](https://localmoney.co.za/what-is-the-difference-between-an-etf-and-a-unit-trust/) - - - [FrugalLocal in the Media](https://localmoney.co.za/frugallocal-in-the-media/) - [Work with Me](https://localmoney.co.za/work-with-me/) - [Contact Frugal](https://localmoney.co.za/contact-frugal/) # Is An ETF Better Than A Unit Trust? Looking for a specific article? Categories # Is An ETF Better Than A Unit Trust? ## With LocalMoney && FrugalLocal ![](https://localmoney.co.za/wp-content/uploads/2023/04/Untitled-design.jpg) ## Unit trusts and ETFs A friend of mine recently contacted his broker and requested information about investing in ETFs. He received feedback that they don’t offer the service. Yet, they do have unit trusts. What is the difference between an ETF and a unit trust? Note: if you have no idea what an ETF is, check out my article [here](https://localmoney.co.za/investment-vehicles-investing-in-etfs/)\! ## How do indexes work? To understand the differences between unit trusts and ETFs, we need to look at indexes. In the magical world of finances, the coffee powers that be created indexes. These indexes are nothing more than a set of rules. Think of it as a shopping list that Mrs Frugal often gives me: - Only buy from our local dairy - Buy only for our household - Don’t stock up more than we can use. - Buy milk if it’s not more than R13 a litre - Buy 2 000 000 KG of coffee beans. - Check the price of Yoghurt. If it is on special for under R 22 per kilogram, buy 2. ![](https://localmoney.co.za/wp-content/uploads/2021/01/Stockss-768x768-1.jpg) Indexes work in the same way. For example, the S\&P 500 index has many rules that include: - a company should be a U.S. company, - The company should have a market capitalization of at least USD 8.2 billion, - It needs to be highly liquid, - It needs to have a public float of at least 10% of its shares outstanding (whatever that means!) If this thing (which could be a share, bond, fund or property) applies to the rules, it is eligible to be bought at the ratio that the rules specify. The rules get reapplied from time to time, depending on the rules (i.e. recheck the price of the yoghurt). ## In what way are unit trusts and ETFs the same? Some unit trusts do track an index. For the purpose of the comparison, I will compare the index-tracking unit trusts with ETFs. Unit trusts and ETFs are the same in the following ways: - ETFs generally track indexes. Many unit trusts can also track indexes. This means your investment is transparent and you know what your money is being invested. - Both unit trusts and ETFs buy the underlying asset that is tracked by the index. - Both are governed by the Collective Investments Scheme Control Act (CISCA) – [source here](https://satrix.co.za/news/article?id=83). - The fees charged are generally low, as the decisions on where to invest don’t require analysts ## How do unit trusts and ETFs differ? Though these might look the same, there are some small differences that can make a difference in your returns: - ETFs are traded throughout the day, whereas unit trusts are priced once per day. This means depending on how the price goes up and down, you might win/lose a bit of money - ETFs are traded on the stock market. This means that you’ll need to give a buy instruction to your broker (or whoever) to buy. Unit trusts on the other hand are managed like a mutual fund: you pay the money and when they’re ready they will buy the underlying assets that the index is tracking. - When investing in ETFs, you will pay a brokerage fee as you are buying a stake in the fund. - When buying unit trusts, as the investment firm will buy on your behalf, this should be included in the TER. The total expense ratio (TER) should include all costs from the fund, but often does not include FA and platform fees. - Things will need to be bought and sold and fees will need to be paid\! - When cashing out your ETF, you might need to wait up to 3 days for the ETF funds to clear. Your unit trust on the other hand can clear a lot faster. ## Quick biased fee analysis I decided to check out the MSCI World (Developed Markets) Index. Both these funds track the same index. I am fully aware that one cannot just use the fund fact sheet, as this does not include the broker charges. It does make for fun calculations to check yourself what the impact of using your chosen broker is going to be. #### Satrix MSCI World Feeder Fund Unit Trust ![](https://localmoney.co.za/wp-content/uploads/2021/01/MSCIWorldFeederFund.png) The fund fact sheet can be found [here](https://satrix.co.za/media/45917?inline=true). You’ll see that the TER seems to be quite a lot higher – at 0.89% p.a. The transaction cost of 0.08 has been included. #### Sartix MSCI World Feeder ETF ![](https://localmoney.co.za/wp-content/uploads/2021/01/MSCIWorldETF.png) The fund fact sheet can be found [here](https://satrix.co.za/media/46075?inline=true). You’ll see that the TER is only 0.35%, with no transaction cost. We know that this is not true, as we still need to buy the asset. This is charged by the broker, and not by the fund itself. ## Choosing a unit trust or ETF From my research, I have found that unit trusts that track indexes and ETFs have really low-cost differences. Any fees under 2% tend to be generally acceptable in the industry. If you are planning to invest lots of money for a long time (such as over 20-40 years), it would make sense that the annual fees would play a bigger role than the initial buying instruction. The choice will eventually be up to you. ## Conclusion A nice experiment would be buying both, comparing the transaction fees involved and how the performance is impacted in the long run by fees, initial higher buying costs, etc. Happy investing\! ←[What I learnt In My First 3 Months Of Being Self Employed](https://localmoney.co.za/self-employment-lessons-the-first-three-months/) [How to buy property on auction in South Africa](https://localmoney.co.za/buying-property-at-auctions-in-south-africa/)→ - ## [Make Money Using Airbnb in South Africa](https://localmoney.co.za/make-money-using-airbnb-in-south-africa/) [![Make Money Using Airbnb in South Africa](https://localmoney.co.za/wp-content/uploads/2025/02/MoineyTHroughAirBnb.webp)](https://localmoney.co.za/make-money-using-airbnb-in-south-africa/) - ## [Rental Property Taxes in South Africa](https://localmoney.co.za/rental-property-taxes-in-south-africa/) [![Rental Property Taxes in South Africa](https://localmoney.co.za/wp-content/uploads/2025/01/PropertyTax.webp)](https://localmoney.co.za/rental-property-taxes-in-south-africa/) - ## [How to Fire Your Managing Agent Effectively](https://localmoney.co.za/how-to-fire-your-managing-agent-effectively/) [![How to Fire Your Managing Agent Effectively](https://localmoney.co.za/wp-content/uploads/2025/01/FireManagingAgent.webp)](https://localmoney.co.za/how-to-fire-your-managing-agent-effectively/) - ## [Make Money Using Airbnb in South Africa](https://localmoney.co.za/make-money-using-airbnb-in-south-africa/) ![](https://localmoney.co.za/wp-content/uploads/2025/02/MoineyTHroughAirBnb.webp) Can You Make Money from Renting Out Your Property on Airbnb, Booking.com, and Lekkeslaap? We… [Read more](https://localmoney.co.za/make-money-using-airbnb-in-south-africa/) February 8, 2025 - ## [Rental Property Taxes in South Africa](https://localmoney.co.za/rental-property-taxes-in-south-africa/) ![](https://localmoney.co.za/wp-content/uploads/2025/01/PropertyTax.webp) Capital gains tax is paid on the proceeds of a property that is sold. Annual… [Read more](https://localmoney.co.za/rental-property-taxes-in-south-africa/) February 1, 2025 - ## [How to Fire Your Managing Agent Effectively](https://localmoney.co.za/how-to-fire-your-managing-agent-effectively/) ![](https://localmoney.co.za/wp-content/uploads/2025/01/FireManagingAgent.webp) I own a unit in a sectional title scheme managed by MidCity. We’ve had one… [Read more](https://localmoney.co.za/how-to-fire-your-managing-agent-effectively/) January 18, 2025 THanks for visiting\! ## Why not subscribe to my newsletter? It’s dark, tall and handsomE…
Readable Markdown	## Unit trusts and ETFs A friend of mine recently contacted his broker and requested information about investing in ETFs. He received feedback that they don’t offer the service. Yet, they do have unit trusts. What is the difference between an ETF and a unit trust? Note: if you have no idea what an ETF is, check out my article [here](https://localmoney.co.za/investment-vehicles-investing-in-etfs/)\! ## How do indexes work? To understand the differences between unit trusts and ETFs, we need to look at indexes. In the magical world of finances, the coffee powers that be created indexes. These indexes are nothing more than a set of rules. Think of it as a shopping list that Mrs Frugal often gives me: - Only buy from our local dairy - Buy only for our household - Don’t stock up more than we can use. - Buy milk if it’s not more than R13 a litre - Buy 2 000 000 KG of coffee beans. - Check the price of Yoghurt. If it is on special for under R 22 per kilogram, buy 2. ![](https://localmoney.co.za/wp-content/uploads/2021/01/Stockss-768x768-1.jpg) Indexes work in the same way. For example, the S\&P 500 index has many rules that include: - a company should be a U.S. company, - The company should have a market capitalization of at least USD 8.2 billion, - It needs to be highly liquid, - It needs to have a public float of at least 10% of its shares outstanding (whatever that means!) If this thing (which could be a share, bond, fund or property) applies to the rules, it is eligible to be bought at the ratio that the rules specify. The rules get reapplied from time to time, depending on the rules (i.e. recheck the price of the yoghurt). ## In what way are unit trusts and ETFs the same? Some unit trusts do track an index. For the purpose of the comparison, I will compare the index-tracking unit trusts with ETFs. Unit trusts and ETFs are the same in the following ways: - ETFs generally track indexes. Many unit trusts can also track indexes. This means your investment is transparent and you know what your money is being invested. - Both unit trusts and ETFs buy the underlying asset that is tracked by the index. - Both are governed by the Collective Investments Scheme Control Act (CISCA) – [source here](https://satrix.co.za/news/article?id=83). - The fees charged are generally low, as the decisions on where to invest don’t require analysts ## How do unit trusts and ETFs differ? Though these might look the same, there are some small differences that can make a difference in your returns: - ETFs are traded throughout the day, whereas unit trusts are priced once per day. This means depending on how the price goes up and down, you might win/lose a bit of money - ETFs are traded on the stock market. This means that you’ll need to give a buy instruction to your broker (or whoever) to buy. Unit trusts on the other hand are managed like a mutual fund: you pay the money and when they’re ready they will buy the underlying assets that the index is tracking. - When investing in ETFs, you will pay a brokerage fee as you are buying a stake in the fund. - When buying unit trusts, as the investment firm will buy on your behalf, this should be included in the TER. The total expense ratio (TER) should include all costs from the fund, but often does not include FA and platform fees. - Things will need to be bought and sold and fees will need to be paid\! - When cashing out your ETF, you might need to wait up to 3 days for the ETF funds to clear. Your unit trust on the other hand can clear a lot faster. ## Quick biased fee analysis I decided to check out the MSCI World (Developed Markets) Index. Both these funds track the same index. I am fully aware that one cannot just use the fund fact sheet, as this does not include the broker charges. It does make for fun calculations to check yourself what the impact of using your chosen broker is going to be. #### Satrix MSCI World Feeder Fund Unit Trust ![](https://localmoney.co.za/wp-content/uploads/2021/01/MSCIWorldFeederFund.png) The fund fact sheet can be found [here](https://satrix.co.za/media/45917?inline=true). You’ll see that the TER seems to be quite a lot higher – at 0.89% p.a. The transaction cost of 0.08 has been included. #### Sartix MSCI World Feeder ETF ![](https://localmoney.co.za/wp-content/uploads/2021/01/MSCIWorldETF.png) The fund fact sheet can be found [here](https://satrix.co.za/media/46075?inline=true). You’ll see that the TER is only 0.35%, with no transaction cost. We know that this is not true, as we still need to buy the asset. This is charged by the broker, and not by the fund itself. ## Choosing a unit trust or ETF From my research, I have found that unit trusts that track indexes and ETFs have really low-cost differences. Any fees under 2% tend to be generally acceptable in the industry. If you are planning to invest lots of money for a long time (such as over 20-40 years), it would make sense that the annual fees would play a bigger role than the initial buying instruction. The choice will eventually be up to you. ## Conclusion A nice experiment would be buying both, comparing the transaction fees involved and how the performance is impacted in the long run by fees, initial higher buying costs, etc. Happy investing\!
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