PENCITY participating merchant programme
Shop Where You Own. Own Where You Shop.
Your everyday purchases can support a broader vision of community investment and inclusive economic participation.
PENCITY subscribes to SWYO.OWYS
What is SWYO.OWYS?
SWYO.OWYS is a consumption-linked economic participation programme designed to connect everyday shopping with structured opportunities for investment participation.
Building a property fund through Consumption Linked Investment Funds
Under the programme, qualifying allocations from participating merchants may be directed into Consumption Linked Investment Funds, including a community property fund, managed by authorised providers under their own mandates.
How PENCITY participates
- 01
Shop at PENCITY
Purchase school stationery, office supplies and other everyday essentials.
- 02
Register with SAMBO
Eligible customers can apply to participate in the programme through the designated membership process.
- 03
Eligible transactions are recorded
Participating merchant transactions may be attributed to verified members under the approved programme rules.
- 04
Qualifying profit allocations
Where profits are realised and become distributable, amounts may be allocated under the applicable SWYO agreements and investment mandates.
- 05
Monitor your participation
Members can access their authorised programme or investment statements through the designated platform.
Important disclosure
Shopping at PENCITY does not automatically grant shares, ownership, investment units or guaranteed returns.
Creating a PENCITY shopping account does not make you a programme or investment participant. Participation requires separate, consent-based registration and verification.
Financial services and investment allocations are handled by appropriately authorised providers, subject to the relevant mandates and disclosures. Retail payments and investment records are kept separate.
PENCITY is a retailer and does not provide financial advice. Past allocations are not an indication of future allocations.