2. A SMARTER
WAY TO SAVE
Long term history shows us that gold outperforms
cash in the bank. Our innovative savings facility
allows South Africans to save their hard-earned
cash and seamlessly convert it into brand new
Krugerrands allowing you to reach your financial
goals quickly and with greater peace of mind.
Interest rates in the present economic
environment have reached historic lows,
while rising inflation is making it increasingly
difficult for us to get ahead or even maintain
the value of our savings.
Gold is an inflation-beating alternative to
cash in the bank, helping protect your sav-
ings against currency depreciation.
Additionaly, its position outside of the
banking system provides protection against
bank failures.
SA Bullion provides the solution by
conveniently facilitating gold ownership,
for everyone.
MY SAVINGS
Savings value
Contributions
Gold held (41oz)
Cash Balance
R 187,000
R 605,247
R 12,294
Goal
62/100%
R 617,541
3. IT´S TIME TO START
THINKING DIFFERENTLY
ABOUT OUR FUTURE.
4. Comparing the savings performance of a
conventional bank account against that of
the BullionGold Facility 1
R 617,541
Savings Comparison of R 1000 per month from 1 Jan 2000 to 31 August 2015
R 298,335
R 600,000
R 500,000
R 400,000
R 300,000
R 200,000
R 100,000
R 0
2000 2002 2004 2006 2008 2010 2012 2014 2016
BULLION GOLD FACILITY BANK SAVINGS ACCOUNT
230% GROWTH 60% GROWTH
1 No fees or bank charges have been considered. The return on cash in the bank assumes monthly compounding of the FNB call rate.
Past performance is not an indication of future performance. Source: Profiledata / SA Bullion Research (2015)
5. For more Information speak to
your trusted financial advisor or
visit www.sabullion.co.za.
How it works
OPTIMAL INTEREST
ACCUMULATED ON
CONTRIBUTED CASH
SEAMLESSLY CONVERT
CASH INTO GOLD
PREFERENTIAL
PRICING ON BULLION
KRUGERRANDS
TOTAL SECURITY OF
GOLD HOLDINGS
PERFECTLY LIQUID
100% FLEXIBILITY ON
CONTRIBUTIONS
NO FIXED-TERM
OBLIGATIONS
INFLATION-RESILIENT
SAVINGS
STEP 3 Enjoy your hard earned savings 3
With easy access to your account and zero
withdrawal charges, you can sell your gold
and convert back to cash as effortlessly as
you bought it. All we need is 24 hours notice.
Benefits
STEP 2 Convert to Gold and grow your savings 2
Our facility automatically converts your cash
into gold each time you accumulate enough
cash in your account.
STEP 1 Sign up and Contribute 1
Open a facility and decide how much you
would like to contribute.
1 Min. Contribution of R 500 per month required. 1%
Contribution Charge (advice fees may be levied by your
accredited financial advisor).
2 Gold Pricing: Krugerrands are priced at the previous
day’s LBMA Afternoon Fix converted to Rands + 3%
refining and minting premium.
3 An Annual Fee of 2% is charged monthly in arrears and
includes secure vaulting and comprehensive insurance
for your gold.
7. INVESTING IN
A BEDROCK
FOUNDATION
At SA Bullion, we believe in a foundation of
Bedrock Investing, where people own their
homes and allocate a portion of their wealth to
physical gold bullion - enduring assets which
possess intrinsic value.
These bedrock assets enable inter-generational
wealth transfer, ensuring a secured financial fu-
ture for you and your family. To this end, we see
gold as the ultimate currency and an alternative
to cash in the bank.
9. The BullionGold Facility is a universal
alternative to cash in the bank
STORE OF VALUE
Gold provides an investment opportunity,
free from the risks of currency debasement.
A thousand years ago, an ounce of gold would
feed a family for a month or more. The same
is true today; unlike all other currencies, gold
truly provides an enduring store of value.
PORTFOLIO DIVERSIFIER &
CURRENCY HEDGE
Having a very low correlation to other
assets such as shares and bonds makes
gold a natural portfolio diversifier, offering
a means of currency diversification and
hedging against one’s own currency.
1 Data is based on an initial investment of $100,000 and R100,000 from 1 January 2000 to 30 August 2015. No fees or bank charges
have been considered. The return on cash in the bank assumes monthly compounding of interest at the 1 month CD rate (US) and
the FNB call rate (RSA). Past performance is not an indication of future performance.
Source: Profiledata / US Federal Reserve / SA Bullion Research (2015)
1 SEP, 1970
THE VALUE OF 1 OZ GOLD, THE INTER-GENERATIONAL STORY
1 SEP, 2015
R 15,141R 25
$1,200$35
10. 600,000
700,000
800,000
900,000
R 820,000
720%
15% p.a.
$390,000
290%
9% p.a.
R280,000
180%
7% p.a.
$140,000
40%
2% p.a.
500,000
GOLD VS CASH IN THE BANK, THE MODERN STORY
400,000
300,000
200,000
100,000
2000 2002 2004 2006 2008 2010 2012 2014 2016
($) GOLD VALUE (R) GOLD VALUE
($) BANK DEPOSIT (R) BANK DEPOSIT
HELD OUTSIDE OF
THE BANKING SYSTEM
In today’s interconnected banking system,
the global build-up of debt has introduced
significant currency risks for investors. These
risks often translate into banking crises,
ultimately resulting in bank failures. Physical
gold, on the other hand, cannot go broke.
THE PERFECT FACILITY
The BullionGold Facility allows investors to
acquire brand new Krugerrands directly from
the South African Reserve Bank, thereby
removing all risk of counterfeit or contami-
nation. The facility offers the lowest friction
charges for buying and redeeming physical
gold and clients enjoy secure vaulting and
comprehensive insurance of gold assets.
The graph below compares the investment performance of gold vs. cash in the bank for both
USD ($) and ZAR (R) investors over the 15 year period since the turn of the century. 1
11. All fees VAT exclusive
How the Facility works
CONTRIBUTE
Deposit cash
● Call account established in your name to
hold your cash contributions
● Contribute via EFT or debit order
● Manage your contributions with
our online management tool
BUY
Acquire gold
● Cash is immediately applied toward the
purchase of brand new Krugerrands.
● Pricing occurs at the lowest
cost in the world.
1 2
SELL OR
BEQUEATH
Redeem gold / Leave to Heirs
● Perfectly liquid at full value
● Redeem any amount at anytime
● 24 hour notice required
● Guaranteed buy-back arrangement with
South African Reserve Bank
● Transfer ownership to Heirs
INTERACT
Conveniently Manage
● Online access
● Secure instructions
● Real time portfolios
● Monthly statements
● Quarterly reports
4 5
Krugerrands are priced at the previous day’s
LBMA Afternoon Fix converted to Rands + 3%
refining and minting premium.
Manage your facility both online or offline.
A 1% initial fee is levied on cash contributions.
Possible advice fees may be levied by your
financial advisor.
No charges on redemption of gold.
12. For more information
speak to your trusted
financial advisor or visit:
www.sabullion.co.za
The BullionGold Facility is proudly brought
to you by SA Bullion, licensed financial ser-
vices providers, with SA Bullion Management
(Pty) Ltd holding FSP license no. 21984,
and SA Bullion Investor Services (Pty) Ltd
holding license no. 45151
VAULT
Secure custody
● Directly owned gold
● Vaulting at Rand Refinery
● Insured by Lloyds of London
● Lowest vaulting and insurance cost
● Physical delivery always available *
3
CASH OUT
Payment to bank account
● Real time, secure transfers to
bank account
6
Fees of 2% per annum are charged monthly in arrears.
* In the first 2 years, additional charges may apply.
No charges on transfers.
