Unit Trusts, Retirement Annuities and Tax Free Savings Account Options on Beanstalk

Beanstalk is an independent advisory which means we are able to offer you unit trusts from numerous financial service providers as well as the Allan Gray Retirement Annuity and the Investec Tax Free Investment Account which allows you to choose to invest in multiple funds including funds not managed by Allan Gray or Investec. We therefore remain impartial in our recommendations.

Below is a list of funds currently available on this site. We update the list every quarter so be sure to check back regularly.

Allan Gray Logo
Risk Profile: Aggressive
Fund Objectives

The Fund aims to outperform global stock markets over the long term, without taking on greater risk.

Investment Strategy

The objective of the Fund is to outperform the FTSE World Index at no greater than average risk of loss in its sector.

Performance

Return since inception: 15.08%

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Risk Profile: Aggressive
Fund Objectives

The Fund aims to create long-term wealth for investors without exceeding a maximum net equity exposure limit of 75%. It aims to outperform the average return of funds subject to similar constraints without taking on more than their average risk.

Investment Strategy

To achieve US Dollar-based capital growth that exceeds the benchmark over the medium to long term at no greater than average risk. The fund invests in a range of funds managed by Orbis Investment Management Limited and/or Allan Gray Unit Trust Management Limited.

Performance

Return since inception: 11.43%

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Risk Profile: Moderate
Fund Objectives

The Fund aims to provide a high degree of capital stability (when measured in the foreign currency denominations of the underlying Orbis Funds), while producing long-term returns that are superior to foreign currency bank deposits.

Investment Strategy

The investment objective of this portfolio is to seek capital appreciation in a low risk global portfolio. The portfolio's returns are intended to be largely independent of the returns of major asset classes such as cash, equities and bonds. In order to achieve this objective, the Manager will predominantly invest in a mixture of Orbis mutual funds with similar objectives to the portfolio. Investments to be included in the portfolio will, apart from assets in liquid form, consist solely of participatory interests of collective investment schemes or similar schemes. Nothing shall preclude the Manager from varying the ratios of securities and assets in liquid form, to maximise capital growth and investment potential (with a portfolio limit/constraint of a max of 20% in cash).

Performance

Return since inception: 9.03%

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Risk Profile: Aggressive
Fund Objectives

The Fund aims to outperform African equity markets over the long term without taking on greater risk of loss.

Investment Strategy

The Fund seeks higher returns in US dollars than the Benchmark, without greater risk of loss.

Performance

Return since inception: 4.47%

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Risk Profile: Aggressive
Fund Objectives

The Fund seeks higher returns than the Australian stock market without greater risk of loss.

Investment Strategy

The Fund employs the Allan Gray investment philosophy to search for ASX investments based on defined investment restrictions.

Performance

Return since inception: no data available

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Risk Profile: Conservative
Fund Objectives

The fund aims to provide a long-term return that exceeds the Reserve Bank of Australia (RBA) cash rate, with less volatility than the Australian sharemarket.

Investment Strategy

The Fund’s default position will be investments in cash and money market instrument issued by, or with, entities that have at least an investment grade credit rating issued by Standard & Poor's or Moody's, such as Australian banks. The only time the Fund will not invest in such cash and money market instruments is if Allan Gray identifies an investment opportunity that offers long-term value. Such investments can only comprise up to 50% of the Fund’s net asset value at any one time.

Performance

Return since inception: no data available

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Risk Profile: Moderate
Fund Objectives

The Fund aims to create long-term wealth for investors within the constraints governing retirement funds. It aims to outperform the average return of similar funds without assuming any more risk.

Investment Strategy

The Fund's investment strategy is to earn a higher rate of return than the market value-weighted average of the domestic prudential unit trust sector excluding the Allan Gray Balanced Fund without assuming any greater monetary risk.

Performance

Return since inception: 16.69%

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Risk Profile: Conservative
Fund Objectives

The Fund aims to provide investors with a real return over the long-term and outperform the All Bond Index at no greater risk.

Investment Strategy

To provide investors with a return superior to the All Bond Index, at no greater risk, over an interest rate cycle. The fund will seek to preserve at least the nominal value of investors' capital.

Performance

Return since inception: 8.94%

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Risk Profile: Aggressive
Fund Objectives

The Fund aims to create long-term wealth for investors. It aims to outperform the average return of South African General Equity Funds over the long term, without taking on greater risk of loss.

Investment Strategy

The fund seeks to earn a higher total rate of return than that of the average South African - Equity - General portfolios as represneted by the market value-weighted average return of the South African - Equity - General sector, excluding Allan Gray funds, without assuming greater risk.

Performance

Return since inception: 22.11%

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Risk Profile: Conservative
Fund Objectives

The Fund aims to preserve capital, maintain liquidity and generate a sound level of income.

Investment Strategy

The central objectives of this fund are to provide investors with a low risk investment opportunity, capital security, a high income yield and immediate liquidity. In order to achieve this objective, the Fund will invest in selected money market instruments with a maturity of no greater than one year and the average term to maturity may not exceed 90 days.

Performance

Return since inception: 7.99%

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Risk Profile: Conservative
Fund Objectives

The Fund aims to provide investors with long-term positive returns higher than those available in the money market sector, irrespective of stock market returns.

Investment Strategy

The central objective of the Fund is to provide investors with an investment alternative based on careful share selection which aims to offer long-term absolute (i.e. positive) returns higher than those available in the money market sector, with less risk of loss than a traditional share portfolio.

Performance

Return since inception: 8.06%

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Risk Profile: Conservative
Fund Objectives

The Fund aims to provide a high degree of capital stability and to minimise the risk of loss over any two-year period, while producing long-term returns that are superior to bank deposits.

Investment Strategy

The Fund aims to provide a return that exceeds the return of bank deposits (both on an after tax basis). The Fund also seeks to provide a high level of capital stability. The risk of loss over any two-year period is low. Figures only available at quarter end.

Performance

Return since inception: 12.22%

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Risk Profile: Moderate
Fund Objectives

The Fund aims to create long-term wealth for investors within the constraints governing retirement funds. It aims to outperform the average return of similar funds without assuming any more risk.

Investment Strategy

The Fund's investment strategy is to earn a higher rate of return than the market value-weighted average of the domestic prudential unit trust sector excluding the Allan Gray Balanced Fund without assuming any greater monetary risk.

Performance

Return since inception: 9.84%

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Ashburton Logo
Risk Profile: Moderate
Fund Objectives

This Fund aims to achieve an increase in value whilst suppressing volatility and risk, through a conservative allocation of assets between, primarily, international equities, fixed interest securities and cash or money market instruments. Exposure to equities is limited to a maximum of 50% and exposure to fixed income securities is limited to a maximum of 70%. Exposure to currencies, other than US dollars, after hedging, will not exceed 50%.

Investment Strategy

This fund aims to suppress volatility and risk, through a conservative allocation of assets between, primarily, international equities, fixed interest securities and cash or money market instruments. Exposure to equities is limited to a maximum of 50% and exposure to fixed income securities is limited to a maximum of 70%. Exposure to currencies, other than US dollars, after hedging, will not exceed 50%.

Performance

Return since inception: 4.78%

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Risk Profile: Moderate
Fund Objectives

This Fund aims to achieve an increase in value whilst suppressing volatility and risk, through a conservative allocation of assets between, primarily, international equities, fixed interest securities and cash or money market instruments. Exposure to equities is limited to a maximum of 50% and exposure to fixed income securities is limited to a maximum of 70%. Exposure to currencies, other than base currency, after hedging, will not exceed 50%.

Investment Strategy

This Fund aims to achieve an increase in value whilst suppressing volatility and risk, through a conservative allocation of assets between, primarily, international equities, fixed interest securities and cash or money market instruments. Exposure to equities is limited to a maximum of 50% and exposure to fixed income securities is limited to a maximum of 70%. Exposure to currencies, other than base currency, after hedging, will not exceed 50%.

Performance

Return since inception: 2.44%

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Risk Profile: Moderate
Fund Objectives

This Fund aims to achieve an increase in value whilst suppressing volatility and risk, through a conservative allocation of assets between, primarily, international equities, fixed interest securities and cash or money market instruments. Exposure to equities is limited to a maximum of 50% and exposure to fixed income securities is limited to a maximum of 70%. Exposure to currencies, other than Euro, after hedging, will not exceed 50%.

Investment Strategy

This Fund aims to achieve an increase in value whilst suppressing volatility and risk, through a conservative allocation of assets between, primarily, international equities, fixed interest securities and cash or money market instruments. Exposure to equities is limited to a maximum of 50% and exposure to fixed income securities is limited to a maximum of 70%. Exposure to currencies, other than base currency, after hedging, will not exceed 50%.

Performance

Return since inception: 3.33%

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Risk Profile: Conservative
Fund Objectives

This Fund aims to achieve an increase in value whilst suppressing volatility and risk, through a conservative allocation of assets between, primarily, international equities, fixed interest securities and cash or money market instruments. Exposure to equities is limited to a maximum of 50% and exposure to fixed income securities is limited to a maximum of 70%. Exposure to currencies, other than base currency, after hedging, will not exceed 50%.

Investment Strategy

This Fund aims to achieve an increase in value whilst suppressing volatility and risk, through a conservative allocation of assets between, primarily, international equities, fixed interest securities and cash or money market instruments. Exposure to equities is limited to a maximum of 50% and exposure to fixed income securities is limited to a maximum of 70%. Exposure to currencies, other than base currency, after hedging, will not exceed 50%.

Performance

Return since inception: 1.38%

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Risk Profile: Moderate
Fund Objectives

This Fund aims to achieve an increase in value whilst suppressing volatility and risk, through a conservative allocation of assets between, primarily, international equities, fixed interest securities and cash or money market instruments. Exposure to equities is limited to a maximum of 50% and exposure to fixed income securities is limited to a maximum of 70%. Exposure to currencies, other than Sterling, after hedging, will not exceed 50%.

Investment Strategy

This Fund aims to achieve an increase in value whilst suppressing volatility and risk, through a conservative allocation of assets between, primarily, international equities, fixed interest securities and cash or money market instruments. Exposure to equities is limited to a maximum of 50% and exposure to fixed income securities is limited to a maximum of 70%. Exposure to currencies, other than base currency, after hedging, will not exceed 50%.

Performance

Return since inception: 5.34%

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Risk Profile: Moderate
Fund Objectives

This Fund aims to achieve an increase in value whilst suppressing volatility and risk, through a conservative allocation of assets between, primarily, international equities, fixed interest securities and cash or money market instruments.

Investment Strategy

This Fund aims to achieve an increase in value whilst suppressing volatility and risk, through a conservative allocation of assets between, primarily, international equities, fixed interest securities and cash or money market instruments. Exposure to equities is limited to a maximum of 50% and exposure to fixed income securities is limited to a maximum of 70%. Exposure to currencies, other than base currency, after hedging, will not exceed 50%.

Performance

Return since inception: 1.74%

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36ONE Logo
Risk Profile: Aggressive
Fund Objectives

The objective of the Fund is to maximize returns over the longer term with the possibility of short term volatility of capital values.

Investment Strategy

The primary investment objective of the Truffle Flexible Fund is to maximize returns over the longer term at the risk of greater short term volatility of capital values. The investment manager has substantial flexibility to vary the asset allocation in such a manner as he deems appropriate. The portfolio may also include participatory interest or any other form of participatory interest in collective investment schemes or other similar schemes. Where the aforementioned schemes are operated in territories other than South Africa, participatory interest or any form of participation in these schemes will be included in the portfolio only where the regulatory environment is, to the satisfaction of the manager and trustee, of a sufficient standard to provide investor protection at least equivalent to that in South Africa. The Manager will be permitted to invest on behalf of the Truffle Flexible Fund in offshore investments as legislation permits. For the purpose of this portfolio, the manager shall reserve the right to close the portfolio to new investors on a date determined by the manager. This will be done in order to be able to manage the fund in accordance with its mandate. The manager may, once a portfolio has been closed, open that portfolio again to new investors on a date determined by the manager.

Performance

Return since inception: 12.94%

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Coronation Logo
Risk Profile: Conservative
Fund Objectives

The Fund aims to provide a reasonable level of current income and seeks to preserve capital in real terms, with lower volatility over the medium to long-term. The Fund's return objective is to outperform cash plus 3%.

Investment Strategy

The Coronation Balanced Defensive Fund aims to provide growing income and capital while remaining focused on the stability of capital in the medium term. The fund will seek to balance a reasonable level of current income with long-term preservation of capital in real terms. In order to achieve these objectives the portfolio will use an active asset allocation strategy, combined with an appropriate security selection process. The exposure to equity securities, interest-bearing securities, financial instruments and assets in liquid form in the portfolio will be managed to reflect changing economic and market conditions both locally and abroad. The portfolio may be invested in either of these securities or in any combination thereof, subject to the following limitations: In addition to the normal statutory investment limitations, allocations will be appropriate for retirement schemes and exposure to a combination of domestic and foreign equities may not exceed 40%.

Performance

Return since inception: 9.58%

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Risk Profile: Conservative
Fund Objectives

The Fund is in the first instance managed to protect capital over any twelve-month period. In addition, we aim to achieve reasonable investment growth over the long run.

Investment Strategy

The Coronation Balanced Defensive Fund aims to provide growing income and capital while remaining focused on the stability of capital in the medium term. The fund will seek to balance a reasonable level of current income with long-term preservation of capital in real terms. In order to achieve these objectives the portfolio will use an active asset allocation strategy, combined with an appropriate security selection process. The exposure to equity securities, interest-bearing securities, financial instruments and assets in liquid form in the portfolio will be managed to reflect changing economic and market conditions both locally and abroad. The portfolio may be invested in either of these securities or in any combination thereof, subject to the following limitations: In addition to the normal statutory investment limitations, allocations will be appropriate for retirement schemes and exposure to a combination of domestic and foreign equities may not exceed 40%.

Performance

Return since inception: 9.00%

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Risk Profile: Moderate
Fund Objectives

The Fund aims to deliver long-term capital growth within the constraints of Regulation 28 at lower risk than that of the market as represented by its composite benchmark. This Fund reflects Coronation's best house view.

Investment Strategy

The fund is managed according to prudential investment requirements, which govern the mandate of pension and provident funds. The fund's primary objective is to consistently outperform a composite benchmark of 63% equity, 22% bonds 10% International and 5% cash over a 3-year period while striving to achieve upper quartile performance, as measured by the Consulting Actuaries Investment Performance Survey over the long term.

Performance

Return since inception: 14.45%

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Risk Profile: Moderate
Fund Objectives

The Fund aims to achieve the best possible investment growth for retirement savers (within the constraints of Regulation 28 of the Pension Funds Act) over the long term.

Investment Strategy

The fund is managed according to prudential investment requirements, which govern the mandate of pension and provident funds. The fund's primary objective is to consistently outperform a composite benchmark of 63% equity, 22% bonds 10% International and 5% cash over a 3-year period while striving to achieve upper quartile performance, as measured by the Consulting Actuaries Investment Performance Survey over the long term.

Performance

Return since inception: 10.74%

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Risk Profile: Moderate
Fund Objectives

The Fund aims to maintain a real growth of assets in excess of CPIX + 4% per annum and to preserve capital over rolling 12-month periods. This is not a guaranteed Fund.

Investment Strategy

The fund aims to maintain a real growth in assets of 4% per annum and never to lose money over rolling 12-month periods. In addition, the fund is structured to reflect lower volatility of monthly returns than a typical equity fund. The fund has a defensive portfolio incorporating stocks with high dividend yields and low price/book ratios.

Performance

Return since inception: 11.95%

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Risk Profile: Moderate
Fund Objectives

The Fund is in the first instance managed to achieve reasonable investment growth over the medium to long term. Our intent is that the fund should produce an annualised return of at least inflation plus 4% over time. In addition, we aim to preserve capital over any 18 month period.

Investment Strategy

The fund aims to maintain a real growth in assets of 4% per annum and never to lose money over rolling 12-month periods. In addition, the fund is structured to reflect lower volatility of monthly returns than a typical equity fund. The fund has a defensive portfolio incorporating stocks with high dividend yields and low price/book ratios.

Performance

Return since inception: 7.99%

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Risk Profile: Moderate
Fund Objectives

To achieve real returns on capital in US dollars over a 3 5 year period while preserving capital (in US dollars) over any 12-month period by way of diversified exposure to global assets.

Investment Strategy

The investment objective is to provide investors with steady growth over the medium to long term, measured against a benchmark comprising 50% 3 month USD LIBOR Index and 50% 3-month EURIBOR Index, by investing across multiple asset classes and global markets in a manner that is consistent with prudent investment management. In order to achieve this objective the portfolio will use an active security selection process, combined with a strategy of flexible exposure across asset classes, regions, themes and market sectors. The exposure to equity securities, interest-bearing securities, financial instruments and assets in liquid form may be actively managed and depending on the view of the manager the portfolio may be invested in any of these securities or in any combination thereof. The manager will be permitted to invest in offshore investments and it may also include participatory interests or any other form of participation in collective investment schemes or other similar schemes.

Performance

Return since inception: 9.47%

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Risk Profile: Moderate
Fund Objectives

The Fund is in the first instance managed to achieve reasonable investment growth over time. Our intent is that the fund should meaningfully outperform an investment in developed market cash over any five-year period. In addition, we aim to preserve capital over any 24 month period.

Investment Strategy

The Fund aims to achieve real returns on capital over a 3 – 5 year period while preserving capital over any 12-month period.

Performance

Return since inception: 2.30%

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Risk Profile: Moderate
Fund Objectives

The Fund is in the first instance managed to achieve reasonable investment growth over time. Our intent is that the fund should meaningfully outperform an investment in developed market cash over any five-year period. In addition, we aim to preserve capital over any 24 month period.

Investment Strategy

The investment objective is to provide investors with steady growth over the medium to long term, measured against a benchmark comprising 50% 3 month USD LIBOR Index and 50% 3-month EURIBOR Index, by investing across multiple asset classes and global markets in a manner that is consistent with prudent investment management. In order to achieve this objective the portfolio will use an active security selection process, combined with a strategy of flexible exposure across asset classes, regions, themes and market sectors. The exposure to equity securities, interest-bearing securities, financial instruments and assets in liquid form may be actively managed and depending on the view of the manager the portfolio may be invested in any of these securities or in any combination thereof. The manager will be permitted to invest in offshore investments and it may also include participatory interests or any other form of participation in collective investment schemes or other similar schemes.

Performance

Return since inception: 12.72%

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Risk Profile: Moderate
Fund Objectives

The Fund provides investors with access to the best investment ideas from around the world, with the aim of achieving long-term capital growth while preserving capital. It blends individual asset selection with limited exposure to some of the best global investment managers to reflect Coronation's view across asset classes. Our objective is to achieve real returns on capital over a 3-5 year period while preserving capital over any 12-month period.

Investment Strategy

The Fund aims to achieve real returns on capital over a 3 – 5 year period while preserving capital over any 12-month period.

Performance

Return since inception: 4.27%

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Risk Profile: Moderate
Fund Objectives

The fund provides investors with access to the best investment ideas from around the world, with the aim of achieving long-term capital growth while preserving capital. It blends individual asset selection with limited exposure to some of the best global investment managers to reflect Coronation's view across asset classes, regions and currencies. The objective is to achieve real returns on capital over a 3-5 year period while preserving capital over any 12-month period.

Investment Strategy

The Fund aims to achieve real returns on capital over a 3 – 5 year period while preserving capital over any 12-month period.

Performance

Return since inception: 4.62%

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Risk Profile: Aggressive
Fund Objectives

Aims to provide long-term capital appreciation by investing in global emerging markets.

Investment Strategy

The investment objective of the portfolio is long-term capital appreciation, achieved with lower long-term volatility than available from investing in relevant equity market indices. In order to achieve this objective, the portfolio will primarily invest in equity securities of companies based in developing countries or in equity securities of any other company regardless of where it is based, if the manager determines that a significant portion of the company's assets or revenues (generally 20% or more) is attributable to developing countries. In addition, the portfolio may invest in non-equity securities of similar corporate and government issuers. The portfolio may also hold other non-equity securities, assets in liquid form and appropriate financial instruments. The portfolio will, under normal market conditions, maintain an equity bias, but no limits are placed on the asset class composition of its portfolio.

Performance

Return since inception: 8.74%

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Risk Profile: Aggressive
Fund Objectives

The Fund aims to give investors access to the best opportunities in emerging equity markets. The fund actively seeks out attractively valued shares to maximise long-term growth. Our intent is to outperform the emerging equity benchmark over all periods of five years and longer.

Investment Strategy

The investment objective of the portfolio is long-term capital appreciation, achieved with lower long-term volatility than available from investing in relevant equity market indices. In order to achieve this objective, the portfolio will primarily invest in equity securities of companies based in developing countries or in equity securities of any other company regardless of where it is based, if the manager determines that a significant portion of the company's assets or revenues (generally 20% or more) is attributable to developing countries. In addition, the portfolio may invest in non-equity securities of similar corporate and government issuers. The portfolio may also hold other non-equity securities, assets in liquid form and appropriate financial instruments. The portfolio will, under normal market conditions, maintain an equity bias, but no limits are placed on the asset class composition of its portfolio.

Performance

Return since inception: 7.91%

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Risk Profile: Aggressive
Fund Objectives

The Fund aims to deliver capital growth with lower volatility than the relevant indices. This will be achieved through focused stock picking within the emerging markets. The Fund aims to provide investors with access to the best opportunities presented in the emerging markets equity universe.

Investment Strategy

The fund predominantly invests in equity securities of companies based in emerging markets or in equity securities that derive a significant portion of their revenue from emerging economies. In addition, the fund can invest in cash but will remain biased towards equities at all times. Cash exposure will normally be investment-grade USD and Euro denominated instruments. The fund is constructed on a clean-slate basis and therefore has no reference to a benchmark. Portfolio construction is from the bottom-up, with a focus on holding those shares which offer the most attractive risk adjusted upside to fair values relative to current market prices. In calculating fair values through our proprietary research, we place the emphasis on normalised earnings and/or free cash flows using a long-term time horizon (5 years), rather than focusing on news flow and current earnings. We have a valuation-driven approach and strive to buy shares trading well below what we believe the business is worth.

Performance

Return since inception: 0.03%

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Risk Profile: Aggressive
Fund Objectives

The Fund aims to give investors access to the best opportunities in global equity markets. The Fund is biased to developed markets and actively seeks out attractively valued shares to maximise long-term growth. The intent is to outperform the global equity benchmark over all periods of five years and longer.

Investment Strategy

The investment objective of the Fund is to produce long term out-performance of the MSCI Daily Total Return ACWI (dividends reinvested net of withholding taxes) USD Index (NDUEACWF as quoted by Bloomberg) primarily through investment in equities and equity related securities in global markets and collective investment 236 schemes ("CIS") which gain exposure to equities and equity related securities in global markets. The Fund’s return will be measured against that of the MSCI Daily Total Return ACWI (dividends reinvested net of withholding taxes) USD Index (NDUEACWF as quoted by Bloomberg) but there is no intention to track the index. It will simply be used as a measurement tool. The MSCI Daily Total Return ACWI (dividends reinvested net of withholding taxes) USD Index is a widely used measure of the performance of equities listed or traded on Recognised Exchanges in global markets.

Performance

Return since inception: 3.16%

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Risk Profile: Moderate
Fund Objectives

The objective is to outperform the global markets as measured by the composite MSCI/Bond benchmark over 3-5 year period.

Investment Strategy

To maximise long-term capital appreciation, measured against a benchmark comprising 60% MSCI (TR) Index and 40% Citigroup World Government Bond Index, by investing across multiple asset classes and global markets. In order to achieve this objective the portfolio will use an active security selection process, combined with a strategy of variable exposure across asset classes, regions, themes and market sectors. While the portfolio will be managed with an equity bias over time with an expected average equity exposure of between 60% and 70% over any rolling 5 year period, the exposure to equity securities, interest-bearing securities, financial instruments and assets in liquid form in the portfolio may be actively managed according to the investment manager’s view of changing economic and market conditions. The portfolio may be invest in any of these securities or in any combination thereof, subject only to the statutory investment limitations.

Performance

Return since inception: 13.51%

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Risk Profile: Moderate
Fund Objectives

The Fund aims to maximise long-term investment growth by investing in a range of opportunities available in public asset markets from around the world. Our intent is to outperform an equity biased benchmark over all five year periods.

Investment Strategy

To maximise long-term capital appreciation, measured against a benchmark comprising 60% MSCI (TR) Index and 40% Citigroup World Government Bond Index, by investing across multiple asset classes and global markets. In order to achieve this objective the portfolio will use an active security selection process, combined with a strategy of variable exposure across asset classes, regions, themes and market sectors. While the portfolio will be managed with an equity bias over time with an expected average equity exposure of between 60% and 70% over any rolling 5 year period, the exposure to equity securities, interest-bearing securities, financial instruments and assets in liquid form in the portfolio may be actively managed according to the investment manager’s view of changing economic and market conditions. The portfolio may be invest in any of these securities or in any combination thereof, subject only to the statutory investment limitations.

Performance

Return since inception: 15.75%

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Risk Profile: Moderate
Fund Objectives

Global Managed is managed with the aim of maximizing risk adjusted returns available from a global portfolio. The portfolio is constructed on a clean slate basis and is broadly diversified across countries, including the developed economies of the US, Europe and Japan as well as emerging markets.

Investment Strategy

The Fund aims is to outperform the global markets as measured by the an equity-biased composite benchmark over a 3 – 5 year period.

Performance

Return since inception: 5.73%

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Risk Profile: Moderate
Fund Objectives

The Fund's objective is to maximise long-term investment growth by investing in public asset markets from around the world. The intent is to outperform an equity-biased benchmark over all five year periods.

Investment Strategy

The Fund aims is to outperform the global markets as measured by the an equity-biased composite benchmark over a 3 – 5 year period.

Performance

Return since inception: 4.07%

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Risk Profile: Aggressive
Fund Objectives

The investment objective of the portfolio is to provide investors with long-term capital growth in US dollar terms, through exposure to global equity markets.

Investment Strategy

The objective is to achieve long-term US dollar-based capital growth that exceeds the Morgan Stanley World Index in dollar terms. The fund invests offshore by selecting a small number of highly skilled international managers. The portfolio is managed to ensure lower volatility of returns, particularly on the downside, than conventional index-linked equity portfolios.

Performance

Return since inception: 12.57%

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Risk Profile: Aggressive
Fund Objectives

The Fund seeks to give investors access to some of the best fund managers across the globe. Our intent is to outperform its benchmark over any five year period.

Investment Strategy

The objective is to achieve long-term US dollar-based capital growth that exceeds the Morgan Stanley World Index in dollar terms. The fund invests offshore by selecting a small number of highly skilled international managers. The portfolio is managed to ensure lower volatility of returns, particularly on the downside, than conventional index-linked equity portfolios.

Performance

Return since inception: 14.24%

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Risk Profile: Aggressive
Fund Objectives

To provide investors with a steady growth in the US Dollar value of investments through exposure to global equities with a developed market bias.

Investment Strategy

The Fund will endeavour to provide investors with a steady growth in the US Dollar value of investments through the allocation of assets to mutual funds and collective investment schemes managed by international fund managers, invested primarily in listed equities on a long-only basis.

Performance

Return since inception: no data available

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Risk Profile: Conservative
Fund Objectives

The investment objective of the Fund is to maximise total return, consisting of current income and capital gains, consistent with prudent investment management, by investing primarily in debt securities listed or traded on Recognised Exchanges worldwide.

Investment Strategy

The investment objective of the Fund is to maximize total return, consisting of current income and capital gains, consistent with prudent investment management, by investing primarily in debt securities listed or traded on Recognised Exchanges worldwide.

Performance

Return since inception: 2.39%

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Risk Profile: Conservative
Fund Objectives

The Fund aims to achieve a higher return than a US dollar term bank deposit. It is mainly focused on delivering short-term income.

Investment Strategy

The investment objective of the Fund is to maximize total return, consisting of current income and capital gains, consistent with prudent investment management, by investing primarily in debt securities listed or traded on Recognised Exchanges worldwide.

Performance

Return since inception: 1.80%

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Risk Profile: Moderate
Fund Objectives

The Fund aims to achieve a real growth of assets in excess of CPIX + 5% per annum over the medium- to long-term. The Fund aims to invest in the most attractively priced asset classes and individual assets anywhere in the world.

Investment Strategy

The fund will optimise the spread between different asset classes and maximise the returns to the investor. It will be aggressively managed and will invest in any asset class that fall within the legal requirements of the unit trust control act.

Performance

Return since inception: 14.01%

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Risk Profile: Aggressive
Fund Objectives

The Fund aims to maximise long-term investment growth by investing in a range of opportunities available in public asset markets from both South Africa and around the world.

Investment Strategy

The fund will optimise the spread between different asset classes and maximise the returns to the investor. It will be aggressively managed and will invest in any asset class that fall within the legal requirements of the unit trust control act.

Performance

Return since inception: 13.25%

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Risk Profile: Conservative
Fund Objectives

The Fund aims to provide a higher level of income with greater diversification than a traditional money market or pure income fund with moderate capital growth.

Investment Strategy

The fund aims to provide high income with greater diversification than a pure income fund, as well as to seek opportunities to maximise capital gains. The fund has a very flexible mandate for investing in a diverse combination of quality fixed income instruments.

Performance

Return since inception: 10.31%

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Risk Profile: Conservative
Fund Objectives

The Fund aims to achieve a higher return than a traditional money market or pure income fund.

Investment Strategy

The fund aims to provide high income with greater diversification than a pure income fund, as well as to seek opportunities to maximise capital gains. The fund has a very flexible mandate for investing in a diverse combination of quality fixed income instruments.

Performance

Return since inception: 8.47%

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Risk Profile: Aggressive
Fund Objectives

The Fund aims to significantly outperform the FTSE/JSE Top 40 Index and achieve long term capital appreciation. The Fund is an aggressively managed concentrated portfolio of no more than 20 large cap stocks selected from the top 50 domestic shares as measured by market cap.

Investment Strategy

The fund will only invest in listed shares included in the top 50 companies by market capitalisation on the JSE . The fund's objective is to achieve long-term capital appreciation that is in excess of the JSE ALSI 40 Index. The funds holdings will be very concentrated. It will at all times invest in between ten and twenty large cap shares, with between 5% and 10% of the fund's total value invested in each share. The fund invests in between ten and twenty large-cap shares in the JSE. The fund will not invest in shares outside the top 50 companies by market capitalisation on the JSE. Equity exposure will vary between 75% and 90% of the fund value.

Performance

Return since inception: 17.60%

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Risk Profile: Aggressive
Fund Objectives

The Top 20 Fund aims to outperform the South African equity market over the longer term by investing in a concentrated, large cap biased portfolio of JSE listed equity securities

Investment Strategy

The fund will only invest in listed shares included in the top 50 companies by market capitalisation on the JSE . The fund's objective is to achieve long-term capital appreciation that is in excess of the JSE ALSI 40 Index. The funds holdings will be very concentrated. It will at all times invest in between ten and twenty large cap shares, with between 5% and 10% of the fund's total value invested in each share. The fund invests in between ten and twenty large-cap shares in the JSE. The fund will not invest in shares outside the top 50 companies by market capitalisation on the JSE. Equity exposure will vary between 75% and 90% of the fund value.

Performance

Return since inception: 10.17%

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Dodge & Cox Logo
Risk Profile: Aggressive
Fund Objectives

The Fund`s objective is to provide shareholders with an opportunity for long-term growth of principal and income. Investors should recognise that the market risks inherent in investing in securities cannot be avoided, and there is no assurance that the investment objectives of the Fund will be achieved.

Investment Strategy

The Fund’s objective is to provide shareholders with an opportunity for long-term growth of principal and income. The Fund seeks to achieve its objective by investing primarily in a diversified portfolio of equity securities from at least three different countries located anywhere in the world, including Emerging Market Countries. Under normal circumstances, the Fund will invest at least 40% of its Net Asset Value in securities of non-U.S. companies, excluding non-U.S. companies included in the S&P 500 Index. Under normal circumstances, the Fund will invest at least 80% of its Net Asset Value in common stocks, preferred stocks, certain securities convertible into common stocks, and securities that carry the right to buy common stocks, including ADRs, EDRs, and GDRs. The Fund may invest up to 5% of the Fund’s Net Asset Value directly in Russian securities.

Performance

Return since inception: 4.88%

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Fidelity Logo
Risk Profile: Aggressive
Fund Objectives

The aim of the Fidelity Funds Emerging Markets Fund is to provide investors with long-term capital growth from a diversified and actively managed portfolio of equity securities in less developed countries that are experiencing rapid economic growth.

Investment Strategy

Invests principally in areas experiencing rapid economic growth including countries in Latin America, South East Asia, Africa, Eastern Europe (including Russia) and the Middle East. The fund may invest its net assets directly in China A and B Shares.

Performance

Return since inception: 2.02%

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Risk Profile: Aggressive
Fund Objectives

The aim of the Fidelity Funds European Growth Fund is to provide investors with long-term capital growth from a diversified and actively managed portfolio of equity securities quoted on European stock exchanges. The portfolio manager's style attempts to reduce downside risk in turbulent periods.

Investment Strategy

The fund’s objective is to invest principally in equity securities quoted on European stock exchanges. The aim of the fund is to provide investors with long-term capital growth from diversified and actively managed portfolios of securities. Unless otherwise specified in the investment objective, the income of the fund is expected to be low. The fund will invest principally (at least 70% and normally 75% in value) in equities in the markets and sectors reflected in the name of the fund and in companies established outside those markets but which derive a significant proportion of their earnings from those markets.

Performance

Return since inception: 5.35%

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Risk Profile: Aggressive
Fund Objectives

The aim of the Fidelity Funds World Fund is to provide investors with long-term capital growth from a diversified and actively managed portfolio of global equity securities.

Investment Strategy

The fund aims to achieve long-term capital growth from a portfolio primarily made up of the equity securities of companies around the world. The Investment Manager is not restricted in its choice of companies either by region, industry or size, and will select equity securities primarily based on the availability of attractive investment opportunities.

Performance

Return since inception: 8.17%

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Foord Logo
Risk Profile: Moderate
Fund Objectives

The Fund seeks to have a steady growth of income and capital as well as the preservation of real capital (capital as adjusted for inflation) and to exceed the benchmark return.

Investment Strategy

The fund aims to achieve the steady growth of income and capital as well as the preservation of real capital (capital as adjusted for inflation). The portfolio is managed to comply with the statutory investment limits set for retirement funds in South Africa (Regulation 28). The fund is suitable for investors whose risk tolerance is below that of a pure equity fund investor and those who require the asset allocation decision to be made for them, within prudential guidelines. Because the fund complies with Regulation 28, it is ideally suited to being a substantial component of any retirement savings portfolio and is especially suitable for retirement funds, pension fund members and holders of contractual savings products.

Performance

Return since inception: 9.84%

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Risk Profile: Moderate
Fund Objectives

The fund aims to achieve the steady growth of income and capital as well as the preservation of real capital (capital is adjusted for inflation). The portfolio is managed to comply with the statutory investment limits set for retirement funds in South Africa (Regulation 28)

Investment Strategy

The fund aims to achieve the steady growth of income and capital as well as the preservation of real capital (capital as adjusted for inflation). The portfolio is managed to comply with the statutory investment limits set for retirement funds in South Africa (Regulation 28). The fund is suitable for investors whose risk tolerance is below that of a pure equity fund investor and those who require the asset allocation decision to be made for them, within prudential guidelines. Because the fund complies with Regulation 28, it is ideally suited to being a substantial component of any retirement savings portfolio and is especially suitable for retirement funds, pension fund members and holders of contractual savings products.

Performance

Return since inception: 6.10%

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Risk Profile: Conservative
Fund Objectives

The fund seeks to provide investors with a net-of-fee return of 4% per annum above the annual change in the South African Consumer Price Index, measured over rolling three-year periods. The portfolio is managed to comply with the statutory limits set for retirement funds in South Africa (Regulation 28).

Investment Strategy

The portfolio will be a specialist portfolio investing in a broad spectrum of securities, the allocation of which will be appropriate for South African retirement funds and investors seeking a low to medium risk of capital loss over rolling twelve month periods. The Manager, in selecting asset classes and securities for the Portfolio will seek to procure optimum overall returns for unit holders, that is to say, steady growth of income and capital so that the latter is, as far as possible, maintained in real terms over rolling three year periods and in absolute terms over rolling 12 month periods. The benchmark return for the portfolio shall be CPI plus 4% per annum. The portfolio shall not be a mirror of any other portfolio in the Foord Unit Trust Scheme. The portfolio will be managed to comply, at all times, with the statutory investment limits set for retirement funds in South Africa to the extent allowed by the Act.

Performance

Return since inception: 6.32%

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Risk Profile: Aggressive
Fund Objectives

The Fund seeks to earn a higher total rate of return than that of the South African equity market, as represented by the return of the FTSE/JSE All Share Index including income, without assuming greater risk.

Investment Strategy

The fund aims to earn a higher total rate of return than that of the South African equity market, as represented by the return of the FTSE/JSE All Share Index including income, without assuming greater risk. Suitable for investors requiring long-term capital growth and who are able to withstand investment volatility in the short- to medium- term.

Performance

Return since inception: 8.77%

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Risk Profile: Aggressive
Fund Objectives

The Fund aims to earn a higher total rate of return than that of the South African equity market, as represented by the return of the FTSE/JSE All Share Index including income, without assuming greater risk.

Investment Strategy

The fund aims to earn a higher total rate of return than that of the South African equity market, as represented by the return of the FTSE/JSE All Share Index including income, without assuming greater risk. Suitable for investors requiring long-term capital growth and who are able to withstand investment volatility in the short- to medium- term.

Performance

Return since inception: 3.66%

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Risk Profile: Moderate
Fund Objectives

The Fund seeks to provide investors with a net-of-fee return of 5% per annum above the annual change in the South African Consumer Price Index, measured over rolling three year periods. It aims to achieve this objective by exploiting the benefits of global diversification in a portfolio that continually reflects Foord Asset Management's prevailing view on all available asset classes, both in South Africa and abroad.

Investment Strategy

The portfolio will be a fund of funds portfolio with a flexible mandate. The objective of the portfolio is to provide investors with a net-of-fee return in excess of the annual change in the headline South African Consumer Price Index (CPI for all urban areas) over rolling one year periods. The assets of the portfolio shall, apart from assets in liquid form, be solely invested in a mix of participatory interests in portfolios invested in South African and global equity securities, property securities, non equity securities and money market investment. The underlying portfolios of collective investment schemes shall be registered in South Africa or other similar schemes operated in territories with a regulatory environment which is to the satisfaction of the manger and the trustee of a sufficient standard to provide protection at least equivalent to that in South Africa.

Performance

Return since inception: 13.25%

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Risk Profile: Moderate
Fund Objectives

Investment Strategy

The portfolio will be a fund of funds portfolio with a flexible mandate. The objective of the portfolio is to provide investors with a net-of-fee return in excess of the annual change in the headline South African Consumer Price Index (CPI for all urban areas) over rolling one year periods. The assets of the portfolio shall, apart from assets in liquid form, be solely invested in a mix of participatory interests in portfolios invested in South African and global equity securities, property securities, non equity securities and money market investment. The underlying portfolios of collective investment schemes shall be registered in South Africa or other similar schemes operated in territories with a regulatory environment which is to the satisfaction of the manger and the trustee of a sufficient standard to provide protection at least equivalent to that in South Africa.

Performance

Return since inception: 3.73%

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Risk Profile: Aggressive
Fund Objectives

To achieve optimum risk adjusted total return by investing primarily in a diversified portfolio of global equities. The fund aims to achieve a higher total rate of return than the MSCI All Country World Net Total Return Index, without assuming great risk.

Investment Strategy

The investment objective of the Fund is to achieve optimum risk adjusted total return which aims to exceed the MSCI AC World Daily TR Net USD Index return by investing primarily in a diversified portfolio of global equities (including equity‐related instruments). Subject to the restrictions and requirements set out in paragraph 6.3 of this Prospectus, for efficiency and economies of scale, these investments may be made directly or indirectly by investing in other collective investment schemes.

Performance

Return since inception: 2.74%

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Risk Profile: Moderate
Fund Objectives

The Fund seeks to maximise the return with minimum risk from a portfolio of international assets, including equities, fixed interest investments, commodities and cash. This is achieved through direct investment into the Foord International Trust, which aims to produce an annualised return over time in excess of 10% in US$, thereby expecting to outperform world equity indices, but with significantly lower variability of returns.

Investment Strategy

The portfolio will be a feeder fund. The objective of the portfolio is to provide investors with exposure to a portfolio of international equity and fixed interest securities, with the view to maximize returns with minimum levels of risk. The Manager’s specific aim is to produce an annualized return over time in excess of 10% in US Dollars, thereby expecting to outperform world equity indices.Investments to be included in the portfolio will, apart from assets in liquid form, consist solely of participatory interest of one collective scheme portfolio, namely the Foord International Trust, a class of the Foord International Trust Scheme, being a collective investment scheme in securities, or an alternative portfolio of a collective investment scheme that complies with the investment policy of the portfolio as determined by the Manager form time to time, and agreed by the Trustee.

Performance

Return since inception: 14.94%

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Risk Profile: Aggressive
Fund Objectives

To maximise return with minimum risk from a portfolio of international assets, including equities, fixed interest investments, to outperform world equity indices but with significantly lower variability of returns. A flexible asset allocation policy is followed, with a diversified, but focused portfolio of undervalued, high quality investments.

Investment Strategy

The primary investment objective of the Sub-Fund is total return primarily by way of investment in listed securities on global exchanges –including in equities, exchange traded funds, UCITS and Other UCIs, convertible bonds, interest-bearing securities and warrants as well as cash deposits. The Investment Manager will allocate assets across those asset classes in a fully flexible manner in variable weightings as appropriate to achieve its investment objective by for example increasing the exposure to equities when expected returns relative to the risk are high. The performance benchmark is the USD based total return on the Morgan Stanley Capital International World Equity Index (developed markets) but the Investment Manager aims also to achieve a total return in USD in excess of 10% p.a. over time.

Performance

Return since inception: 2.46%

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Franklin Templeton Logo
Risk Profile: Aggressive
Fund Objectives

The Fund aims to achieve capital appreciation by investing principally in equity securities of US companies believed to possess sustainable growth characteristics and which meet growth, quality and valuation criteria. These include small, medium, and large capitalisation companies with strong growth potential across a wide range of sectors that have exceptional growth potential and fast growing, innovative companies within these sectors.

Investment Strategy

The Fund’s investment objective is capital appreciation. The Fund invests principally in equity securities of US companies demonstrating accelerating growth, increasing profitability, or above-average growth or growth potential as compared with the overall economy. The Fund principally invests in small, medium and large-capitalisation companies with strong growth potential across a wide range of sectors.

Performance

Return since inception: 3.04%

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Risk Profile: Aggressive
Fund Objectives

The Fund aims to achieve long-term capital appreciation by investing primarily in equity securities listed in Asia (excluding Australia, New Zealand and Japan).

Investment Strategy

The Fund’s investment objective is long-term capital appreciation. The Fund seeks to achieve its objective through investing primarily in equity securities listed in Asia. The Fund may also invest in equity securities, which are listed on recognised exchanges in capital markets of the Asia Region (excluding Australia, New Zealand and Japan).

Performance

Return since inception: 10.19%

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Risk Profile: Moderate
Fund Objectives

The Fund seeks capital appreciation and current income by investing principally in equity securities and government debt securities issued by entities throughout the world, including emerging markets. The portfolio manager anticipates that the majority of the Fund's portfolio is normally invested in equity or equity-linked securities.

Investment Strategy

The Fund’s investment objective is to seek capital appreciation and current income, consistent with prudent investment management. The Fund seeks to achieve its objective by investing principally in equity securities and government debt securities issued by entities throughout the world, including Emerging Markets. The Investment Manager anticipates that the majority of the Fund’s portfolio is normally invested in equity or equity-linked securities, including debt or preferred stock convertible or exchangeable into equity securities, selected principally on the basis of their capital growth potential.

Performance

Return since inception: 4.99%

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GinsGlobal Logo
Risk Profile: Conservative
Fund Objectives

The Fund seeks to provide a return on investment that tracks, as consistently as possible, international government bond markets, as measured by the Citigroup World Government Bond Index.

Investment Strategy

The Index seeks to provide a return on investment that tracks, as consistently as possible, international government bond markets, as measured by the Citigroup World Government Bond Index.

Performance

Return since inception: 3.21%

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Risk Profile: Aggressive
Fund Objectives

The Fund seeks to provide a return on investment that tracks, as consistently as possible, international equity markets, as measured by the MSCI World index.

Investment Strategy

Funds are invested in a global portfolio consisting of equities and high-grade fixed interest securities

Performance

Return since inception: 5.07%

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Investec Logo
Risk Profile: Conservative
Fund Objectives

The Investec Cautious Managed Fund aims to grow income and capital over the medium term. The objective is to achieve returns in excess of the fund's peer group average, measured over three to five year periods.

Investment Strategy

The objective of the Investec Cautious Managed Fund is to provide investors with returns in excess of inflation comprising both capital and income over the medium term. It will achieve this by investing across a well-diversified mix of asset classes, including equities, bonds, cash and listed property in a manner similar to that usually employed by retirement funds. The portfolio will attempt to achieve a moderate to low risk profile by actively managing the exposure to various asset classes and typically would have an actual equity exposure below 40%. The manager will be permitted to invest on behalf of the Investec Cautious Managed Fund in offshore investments as legislation permits. The portfolio will be managed in accordance with the investment requirements prescribed, from time to time, for retirement funds in South Africa.

Performance

Return since inception: 9.08%

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Risk Profile: Conservative
Fund Objectives

The Investec Diversified Income Fund aims to provide investors with returns in excess of the benchmark, measured over rolling three year periods.

Investment Strategy

The Investec Diversified Income Fund aims to provide investors with returns in excess of the benchmark, measured over rolling three year periods.

Performance

Return since inception: 8.93%

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Risk Profile: Aggressive
Fund Objectives

The Investec Equity Fund aims to provide investors with capital growth over the long term. The objective is to achieve returns well in excess of the benchmark, measured over three year periods. The fund is actively managed and invests in South African equities.

Investment Strategy

The Investec Equity Fund aims to provide investors with capital growth over the long term. The objective is to achieve returns well in excess of the benchmark, measured over three year periods. The fund is actively managed and invests in South African equities. The mandate is not restricted to any specific investment style. The investment strategy is underpinned by extensive research focusing on three sector groupings: resources, industrials and financials. The focus is predominantly on individual stock selection. However, macro-economic considerations such as interest rates and the performance of the rand also play an integral part in constructing the portfolio.

Performance

Return since inception: 16.32%

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Risk Profile: Aggressive
Fund Objectives

Investment Strategy

The Investec Equity Fund aims to provide investors with capital growth over the long term. The objective is to achieve returns well in excess of the benchmark, measured over three year periods. The fund is actively managed and invests in South African equities. The mandate is not restricted to any specific investment style. The investment strategy is underpinned by extensive research focusing on three sector groupings: resources, industrials and financials. The focus is predominantly on individual stock selection. However, macro-economic considerations such as interest rates and the performance of the rand also play an integral part in constructing the portfolio.

Performance

Return since inception: 16.82%

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Risk Profile: Aggressive
Fund Objectives

The Investec Global Franchise Feeder Fund aims to achieve long-term capital growth.

Investment Strategy

The Investec Global Franchise Feeder Fund aims to achieve long term capital growth. The Fund aims to achieve this by investing in the Investec Global Franchise Fund, a sub-fund in the Investec Global Strategy Fund umbrella scheme domiciled in Luxembourg. The underlying fund primarily invests in shares of companies around the world. The underlying fund will have a blend of investments and will be unrestricted in its choice of companies either by size or industry or in terms of geographical make-up of the portfolio. It will focus investment on securities deemed to be of high quality which are typically associated with global brands or franchises. The Feeder Fund consists solely of participatory interests in the underlying fund and other securities (including financial instruments and assets in liquid form) as allowed by the Act.

Performance

Return since inception: 11.74%

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Risk Profile: Aggressive
Fund Objectives

The Fund aims to grow the value of your investment over the long term. The Fund invests around the world primarily in the shares of companies. The Fund focuses investment on companies deemed by the Investment Manager to be of high quality which are typically those associated with global brands or franchises. The Fund may use derivatives (financial contracts whose value is linked to the price of an underlying asset) for efficient portfolio management purposes e.g. with the aim of either managing the Fund risks or reducing the costs of managing the Fund.

Investment Strategy

The Fund aims to achieve long-term capital growth primarily through investment in shares of companies around the world. The Fund will have a blend of investments and will be unrestricted in its choice of companies either by size or industry, or in terms of the geographical make-up of the portfolio. The Fund will focus investment on stocks deemed to be of high quality which are typically associated with global brands or franchises.

Performance

Return since inception: 7.34%

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Risk Profile: Conservative
Fund Objectives

The Fund aims to provide an income with the opportunity to grow the value of your investment over the long term.

Investment Strategy

The Investec Global Multi-Asset Income Feeder Fund aims to provide income with the opportunity for long term capital growth. The portfolio is a feeder fund which invests in the Investec Global Multi-Asset Income Fund under the Investec Global Strategy Fund umbrella scheme domiciled in Luxembourg. The underlying fund will invest primarily in a diversified portfolio of fixed interest instruments, equities and portfolio of fixed instruments, equities and derivatives, the underlying assets of which are fixed interest instruments and equities. The feeder fund consists solely of participatory interests in the underlying fund and other securities (including financial instruments and assets in liquid form) as allowed by the Act.

Performance

Return since inception: 0.96%

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Risk Profile: Conservative
Fund Objectives

The Fund aims to provide an income with the opportunity to grow the value of your investment over the long term.

Investment Strategy

The Fund aims to provide income with the opportunity for long-term capital growth. The Fund will invest primarily in a diversified portfolio of fixed interest instruments, equities and derivatives, the underlying assets of which are fixed interest instruments and equities. Normally, the Sub-Fund’s maximum equity exposure will be limited to 50% of its assets.

Performance

Return since inception: 3.73%

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Risk Profile: Aggressive
Fund Objectives

The Fund aims to grow the value of your investment over the long term. The Fund invests around the world primarily in the shares of companies which are expected to increase their profits and value by making improvements to the way they operate. For example, companies that are experiencing a significant change in ownership or business conditions. The Fund may use derivatives (financial contracts whose value is linked to the price of an underlying asset) for efficient portfolio management purposes e.g. with the aim of either managing the Fund risks or reducing the costs of managing the Fund.

Investment Strategy

The Fund aims to provide long-term capital growth primarily through investment in shares of companies around the world that are believed to offer above average opportunities for capital gains.

Performance

Return since inception: 7.30%

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Risk Profile: Moderate
Fund Objectives

The Investec Global Strategic Managed Feeder Fund aims to grow capital and income over the long term. The objective is to outperform its benchmark, measured over three year periods.

Investment Strategy

The Investec Global Strategic Managed Feeder Fund aims to grow capital and income over the long term. The fund’s objective is to outperform its benchmark, measured over three year periods. This rand-denominated fund invests in international fixed-income assets, cash, convertible securities and equities. Exposure to international assets is obtained by investing directly into our top performing Investec GSF Global Strategic Managed Fund. This balanced fund aims to be fully invested offshore, with a maximum equity exposure of 75%. The investment team utilises Investec’s proprietary 4Factor™ process to assist in screening and selection of companies. The emphasis is on valuation, strategy, earnings dynamics and technical analysis.

Performance

Return since inception: 9.58%

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Risk Profile: Moderate
Fund Objectives

The Fund aims to grow the value of your investment over the long term. The Fund invests around the world in a mix of different assets including: bonds (contracts to repay borrowed money which typically pay interest at fixed times); money market instruments (tradeable securities where money can be invested for short periods); company shares; convertible securities (bonds which can typically be turned into company shares); and other funds. The bonds and money market instruments are issued by governments, institutions or companies. The fund may invest more than 35% of its assets in securities issued or guaranteed by an EEA state. Normally no more than 75% of the Fund is invested in the shares of companies. The Fund may use derivatives (financial contracts whose value is linked to the price of an underlying asset) for efficient portfolio management purposes e.g. with the aim of either managing the Fund risks or reducing the costs of managing the Fund.

Investment Strategy

The Fund aims to provide long-term income and capital growth through investment in a diversified and actively managed portfolio consisting of any combination of cash instruments, fixed income securities, convertible securities, equity securities, and derivatives on an international basis. Normally, the maximum equity content will be limited to 75% of the Fund.

Performance

Return since inception: 4.90%

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Risk Profile: Conservative
Fund Objectives

Investment Strategy

The Investec High Income Fund aims to maximise income and grow capital. The fund targets returns in excess of the benchmark, measured over rolling one year periods. The fund invests in high-yielding South African fixed-income assets, including government and corporate bonds, fixed deposits and money market instruments. The fund is actively managed and the maximum average duration of assets is two years.

Performance

Return since inception: 11.13%

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Risk Profile: Moderate
Fund Objectives

The Investec Managed Fund aims to provide investors with stable growth of capital over the long term. The objective is to achieve returns well in excess of the Fund's peer group average, measured over three to five year periods.

Investment Strategy

The Investec Managed Fund aims to provide investors with stable growth of income and capital over the long term. The objective is to achieve returns well in excess of the fund’s peer group average, measured over three to five year periods. The fund invests in a mix of South African equities, bonds and money market instruments, as well as international equity and fixed interest investments. Regulation 28 currently limits equity exposure to 75% of the fund (90% with listed property) and international exposure to 25% (for retirement funds exempted from the 15% limit). The allocation of assets is actively managed with a strong bias towards equities.

Performance

Return since inception: 14.31%

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Risk Profile: Moderate
Fund Objectives

Investment Strategy

The Investec Managed Fund aims to provide investors with stable growth of income and capital over the long term. The objective is to achieve returns well in excess of the fund’s peer group average, measured over three to five year periods. The fund invests in a mix of South African equities, bonds and money market instruments, as well as international equity and fixed interest investments. Regulation 28 currently limits equity exposure to 75% of the fund (90% with listed property) and international exposure to 25% (for retirement funds exempted from the 15% limit). The allocation of assets is actively managed with a strong bias towards equities.

Performance

Return since inception: 14.41%

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Risk Profile: Conservative
Fund Objectives

Investment Strategy

The Investec Money Market Fund aims to earn a higher level of income than fixed deposits and call deposits over time, while protecting capital and providing investors with immediate liquidity. The fund targets returns in excess of the benchmark, measured over one year periods.

Performance

Return since inception: 7.08%

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Risk Profile: Moderate
Fund Objectives

The Investec Opportunity Fund aims to produce dependable inflation-beating returns, while minimising downside risk. The objective is to achieve returns well in excess of inflation measured over three to five year periods (CPI + 6% under current market conditions).

Investment Strategy

The Investec Opportunity Fund aims to produce dependable inflation-beating returns, while minimising downside risk. The objective is to achieve returns well in excess of inflation measured over three to five year periods (CPI + 6% pa under current market conditions). The fund invests in a mix of South African equities, bonds and money market instruments, as well as international equity and fixed interest investments. Equity exposure is currently limited to 75% and the international exposure to 25%. The allocation of assets is actively managed with a bias towards equities that are attractively priced given their inherent value.

Performance

Return since inception: 16.62%

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Risk Profile: Aggressive
Fund Objectives

The Investec Property Equity Fund aims to grow income and capital. The fund targets returns in excess of the benchmark, measured over three year periods. The fund maintains an exclusive focus on interest-income generating South African listed property stocks, specifically Property Unit Trusts (PUTs) and Property Loan Stocks (PLSs).

Investment Strategy

The Investec Property Equity Fund aims to provide income yield and capital growth over the long term. The fund targets returns in excess of the benchmark, measured over three year periods. The fund maintains an exclusive focus on interest-income generating South African listed property stocks, specifically Property Unit Trusts (PUTs) and Property Loan Stocks (PLSs). The investment team utilises Investec Property Investments’ proprietary research platform to assist in the screening and selection of listed property securities. The focus is on sourcing lines of stock at attractive prices and identifying value opportunities relative to the sector in order to achieve outperformance.

Performance

Return since inception: 17.98%

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Risk Profile: Conservative
Fund Objectives

The Fund aims to give holders access to income at wholesale market interest rates in Sterling.

Investment Strategy

The Fund aims to give holders of the relevant Shares access to income at wholesale Eurocurrency market interest rates in Sterling. This Fund is a short term money market fund and while the Fund aims to preserve capital, this is not guaranteed.

Performance

Return since inception: 5.08%

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Risk Profile: Aggressive
Fund Objectives

The Investec Value Fund aims to provide investors with capital growth over the long term. The objective is to achieve returns well in excess of the benchmark, measured over three year periods. The fund invests in value shares, which are equities trading at a discount to their fair value.

Investment Strategy

The Investec Value Fund aims to provide investors with capital growth over the long term. The objective is to achieve returns well in excess of the benchmark, measured over three year periods. The fund invests in value shares, which are equities trading at a discount to their fair value. The fund manager seeks value by selecting shares whose ratings are low relative to their historic performance, their earnings potential, their net asset value, or the ratings of other shares in the same sector. The fund also favours equities with attractive dividend yields and strong cash flows that are undervalued by the market.

Performance

Return since inception: 15.20%

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Risk Profile: Aggressive
Fund Objectives

Investment Strategy

The Investec Value Fund aims to provide investors with capital growth over the long term. The objective is to achieve returns well in excess of the benchmark, measured over three year periods. The fund invests in value shares, which are equities trading at a discount to their fair value. The fund manager seeks value by selecting shares whose ratings are low relative to their historic performance, their earnings potential, their net asset value, or the ratings of other shares in the same sector. The fund also favours equities with attractive dividend yields and strong cash flows that are undervalued by the market.

Performance

Return since inception: 15.36%

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Risk Profile: Aggressive
Fund Objectives

The Investec Worldwide Equity Feeder Fund's primary objective is to grow capital over the long term. The fund aims to outperform the benchmark, measured over three year periods.

Investment Strategy

The Investec Worldwide Equity Feeder Fund’s primary objective is to grow capital over the long term, whilst providing a reasonable level of income. The fund aims to outperform the benchmark, measured over three year periods. This rand-denominated fund invests in shares listed worldwide. Exposure to international equities is obtained by investing directly into the Investec Worldwide Equity Fund. The majority of the fund’s investments are in developed markets, such as the United States, Europe, UK and Asia. The focus is on individual stock picking. The investment team uses Investec’s proprietary 4Factor™ process to assist in the screening and selection of companies. The emphasis is on valuation, strategy, earnings dynamics and technical analysis.

Performance

Return since inception: 11.60%

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Risk Profile: Moderate
Fund Objectives

The Investec Worldwide Flexible Fund aims to maximise the total returns comprising both capital and income, through active and unconstrained management across asset classes.

Investment Strategy

The Investec Worldwide Flexible Fund aims to maximise the total returns comprising both capital and income, through active and unconstrained management across asset classes.

Performance

Return since inception: 1.20%

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Kagiso Islamic Logo
Risk Profile: Moderate
Fund Objectives

The Fund aims to provide investors with high long-term capital growth, within the constraints of the statutory investment restrictions for retirement funds. The fund seeks to provide a moderate exposure to volatility in the short term.

Investment Strategy

The investment objective of the Fund is to provide investors with high long-term returns with optimised income over the shorter term and capital growth over the long term, within the constraints of the statutory investment restrictions for retirement savings. The fund has a moderate level of risk and therefore seeks to provide a moderated exposure to volatility in the short term. In order to achieve these objectives the portfolio will apply best investment views to optimise the combination of asset classes to maximise long term returns and to moderate exposure to volatility in the short term. As the portfolio is managed to achieve high long-term results, it will typically have a strong bias towards equities. The portfolio may invest to a maximum of 75% in equities (excluding listed properties).

Performance

Return since inception: 7.80%

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Risk Profile: Moderate
Fund Objectives

This is a Shari'ah compliant fund that aims to maximise returns and capital growth over the long term with a moderate level of risk.

Investment Strategy

To Provide steady long term returns and capital growth over the long term and a total portfolio return that is better than the average domestic – asset allocation – prudential – variable equity funds category. The portfolio has a moderate level of risk and therefore seeks to provide a moderated exposure to volatility over the short term. The Portfolio may invest in a wide variety of asset classes such as listed shares, sukuks, and listed property, both domestically and internationally subject to Shari’ah compliance. The portfolio may invest offshore to the maximum extent permitted by the Association for Savings and Investments South Africa (ASISA) domestic funds category. The portfolio may include participatory interests or any other form of participation in portfolios of collective investment schemes or other similar schemes only where the scheme has been approved in South Africa.

Performance

Return since inception: 6.98%

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Risk Profile: Moderate
Fund Objectives

This is a Shariah-compliant Fund that aims to provide steady long-term returns and capital growth within the constraints of the statutory investment restrictions for retirement funds.

Investment Strategy

To Provide steady long term returns and capital growth over the long term and a total portfolio return that is better than the average domestic – asset allocation – prudential – variable equity funds category. The portfolio has a moderate level of risk and therefore seeks to provide a moderated exposure to volatility over the short term. The Portfolio may invest in a wide variety of asset classes such as listed shares, sukuks, and listed property, both domestically and internationally subject to Shari’ah compliance. The portfolio may invest offshore to the maximum extent permitted by the Association for Savings and Investments South Africa (ASISA) domestic funds category. The portfolio may include participatory interests or any other form of participation in portfolios of collective investment schemes or other similar schemes only where the scheme has been approved in South Africa.

Performance

Return since inception: 7.77%

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Risk Profile: Aggressive
Fund Objectives

A Shari'ah compliant fund that aims to provide steady capital growth and a total portfolio return that is better than the average general equity fund.

Investment Strategy

To provide steady capital growth and a total portfolio return that is better than the average general equity fund. The generation of income is of secondary importance. Investment Policy: In order to achieve these objectives the portfolio will employ a fundamental, bottom-up stock picking strategy, coupled with a proprietary multifactor investment model and process. The portfolio will generally be fully invested in a diversified portfolio of equity securities, have a minimum equity exposure of 75% and will not invest offshore. The portfolio will not invest in any interest bearing instruments. The portfolio's main bank account is with ABSA bank, making use of ABSA's Islamic banking services which cater specifically to Shari'ah Fund compliance. The portfolio may also include participatory interests or any other form of participation in portfolios of collective investment schemes or other similar schemes only where the scheme's initial registration is in South Africa.

Performance

Return since inception: 11.47%

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Risk Profile: Aggressive
Fund Objectives

This is a Sharia-compliant Fund that aims to provide steady capital growth and a total portfolio return that is better than the average general equity fund.

Investment Strategy

To provide steady capital growth and a total portfolio return that is better than the average general equity fund. The generation of income is of secondary importance. Investment Policy: In order to achieve these objectives the portfolio will employ a fundamental, bottom-up stock picking strategy, coupled with a proprietary multifactor investment model and process. The portfolio will generally be fully invested in a diversified portfolio of equity securities, have a minimum equity exposure of 75% and will not invest offshore. The portfolio will not invest in any interest bearing instruments. The portfolio's main bank account is with ABSA bank, making use of ABSA's Islamic banking services which cater specifically to Shari'ah Fund compliance. The portfolio may also include participatory interests or any other form of participation in portfolios of collective investment schemes or other similar schemes only where the scheme's initial registration is in South Africa.

Performance

Return since inception: 8.12%

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Risk Profile: Moderate
Fund Objectives

Investment Strategy

The Kagiso Protector Fund is a specialist fund aiming to provide steady capital growth and a total return that is better than an appropriate large cap index on a risk adjusted basis over the medium to longer term but with reduced volatility. The generation of income is of secondary importance. It will use a flexible and active asset allocation strategy. Exposure to equity securities, interest-bearing securities, financial instruments and assets in liquid form will be managed in accordance with the manager’s proprietary risk model to reflect changing market conditions. It may be fully invested in either of these securities or in any combination thereof. It will substantially replicate the composition of an appropriate SA large cap index, the initial index being the FTSE/JSE Top 40. It may also include participatory interests or any other form of participation in portfolios of collective investment schemes or other similar schemes only where the scheme’s initial registration is in SA.

Performance

Return since inception: 7.69%

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Risk Profile: Conservative
Fund Objectives

The Fund aims to provide total returns that are in excess of inflation over the medium term. It seeks to provide a high level of capital stability and to minimise loss over any one-year period, with the constraints of the statutory investment restrictions for retirement funds.

Investment Strategy

The investment objective of the Fund is to provide investors with total returns that are in excess of inflation over the medium term with a high level of capital stability and to minimise the loss to investors over any one year period, within the constraints of the statutory investment restrictions for retirement savings. In order to achieve these objectives the portfolio will apply best investment views to optimise the combination of asset classes to provide the required investment returns and capital stability, as appropriate to the needs of conservative investors. The portfolio is retirement fund regulation compliant and is suitable as a complete investment portfolio for investors in retirement annuities, preservation funds, pension funds and provident funds. The portfolio may invest to a maximum of 40% in equities (excluding listed property).

Performance

Return since inception: 8.39%

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M&G Logo
Risk Profile: Moderate
Fund Objectives

The Fund predominantly invests in a diversified range of securities issued by companies which are out of favour, in difficulty or whose future prospects are not fully recognised by the market. The sole aim of the Fund is capital growth.

Investment Strategy

The Fund predominantly invests in a diversified range of securities issued by companies which are out of favour, in difficulty or whose future prospects are not fully recognised by the market. The sole aim of the Fund is capital growth. There is no particular income yield target.

Performance

Return since inception: 13.70%

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Marriott Logo
Risk Profile: Moderate
Fund Objectives

This Fund aims to provide investors with an acceptable dividend yield and growing levels of dividend income.

Investment Strategy

This fund aims to provide Investors with an acceptable dividend yield and growing levels of dividend income. The fund will seek out fundamentally sound JSE-listed companies that currently pay dividends and possess the potential for consistent and sustainable dividend growth in the future. The fund aims to achieve a dividend yield for its unit holders in excess of the dividend yield of the Financial and Industrial Index and to grow distributions in excess of the dividend growth achieved by the Financial and Industrial Index measured over rolling two-year periods.

Performance

Return since inception: 13.95%

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Risk Profile: Aggressive
Fund Objectives

Investment Strategy

This fund aims to provide Investors with an acceptable dividend yield and growing levels of dividend income. The fund will seek out fundamentally sound JSE-listed companies that currently pay dividends and possess the potential for consistent and sustainable dividend growth in the future. The fund aims to achieve a dividend yield for its unit holders in excess of the dividend yield of the Financial and Industrial Index and to grow distributions in excess of the dividend growth achieved by the Financial and Industrial Index measured over rolling two-year periods.

Performance

Return since inception: 8.12%

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Risk Profile: Aggressive
Fund Objectives

The objective and mandate of this fund is to provide a high and growing income stream from a portfolio of internationally listed real estate securities as well as long-term capital growth.

Investment Strategy

The objective and mandate of this fund is to provide a high and growing income stream from a portfolio of internationally listed real estate securities as well as long-term capital growth. The investment universe for this fund is listed real estate securities on international stock markets. The fund benchmark is a yield comparable to the JP Morgan Global Bond Index Yield.

Performance

Return since inception: 3.18%

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MLC Logo
Risk Profile: Aggressive
Fund Objectives

The Fund will primarily invest in real estate securities listed on international stock exchanges and has a total return objective comprising of both income return and capital appreciation. The Fund has a medium to long term investment horizon.

Investment Strategy

The Fund aims to create positive income and capital returns over the medium to long term. The Fund will seek to pursue this objective by investing at least 75% of its net asset value ("NAV") in global listed equities of issuers operating in the Real Estate Sector.

Performance

Return since inception: 6.67%

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Nedgroup Investments Logo
Risk Profile: Moderate
Fund Objectives

The objective of this portfolio is to provide the investor with reasonable income with moderate capital growth.

Investment Strategy

The Sub-Fund’s objective will be to provide investors with long term capital growth.

Performance

Return since inception: 5.32%

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Risk Profile: Moderate
Fund Objectives

The objective of the Fund is to achieve total returns that are in excess of inflation while providing high capital growth. The portfolio is suitable for investors requiring high (equity-like) capital growth and aims to provide low cost exposure to a range of local and global asset classes.

Investment Strategy

The primary objective of the Nedgroup Investments Core Accelerated Fund is to achieve total returns that are in excess of inflation whilst at the same time providing a high capital growth. It aims to achieve the above objective by including a broad combination of securities as defined in the Act, including assets in liquid form, money market instruments, interest bearing instruments, bonds, debentures, corporate debt, equity securities, property securities, preference shares, convertible equities and non-equity securities. The portfolio may from time to time invest in listed and unlisted financial instruments, in accordance with the provision of the Act, and the Regulations thereto, as amended from time to time, in order to achieve the portfolio’s investment objective.

Performance

Return since inception: 4.40%

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Risk Profile: Moderate
Fund Objectives

The portfolio achieves its objectives through investment in a diversified portfolio of domestic equity, domestic fixed interest, foreign equity and foreign fixed interest portfolios. The asset allocation for the solution is determined by Nedgroup Investment Advisors who seek to achieve optimal diversification of the asset classes by making use of proprietary research and portfolio optimiser tools. A strategic asset allocation is set for the solution and built from various asset classes which track appropriate indices and is rebalanced periodically when target weights are exceeded.

Investment Strategy

The portfolio aims to secure for investors total returns of CPI + 5%, whilst at the same time providing a steady growth of capital by passively replicating a broad and fairly stable combination of securities, including equity, bond, money market, property or derivative instruments, both locally and abroad. The allocation of investments in the portfolio aims to comply with the provisions of Regulation 28 of the Pension Funds Act at all times and will therefore be appropriate for retirement funds. An asset allocation portfolio in which the equity holding lies between 50-75%, where the remainder is invested in less risky assets, and which passively replicates this combination of securities, should be able to provide returns of inflation of +5% (after fees) over an appropriate time frame. The equity exposure will typically not exceed 75% of the aggregate market value of the portfolio.

Performance

Return since inception: 11.11%

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Risk Profile: Moderate
Fund Objectives

The portfolio achieves its objectives through investment in a diversified portfolio of domestic equity, domestic fixed interest, foreign equity and foreign fixed interest portfolios. The asset allocation for the solution is determined by Nedgroup Investment Advisors who seek to achieve optimal diversification of the asset classes by making use of proprietary research and portfolio optimiser tools. A strategic asset allocation is set for the solution and built from various asset classes which track appropriate indices and is rebalanced periodically when target weights are exceeded.

Investment Strategy

The portfolio aims to secure for investors total returns of CPI + 5%, whilst at the same time providing a steady growth of capital by passively replicating a broad and fairly stable combination of securities, including equity, bond, money market, property or derivative instruments, both locally and abroad. The allocation of investments in the portfolio aims to comply with the provisions of Regulation 28 of the Pension Funds Act at all times and will therefore be appropriate for retirement funds. An asset allocation portfolio in which the equity holding lies between 50-75%, where the remainder is invested in less risky assets, and which passively replicates this combination of securities, should be able to provide returns of inflation of +5% (after fees) over an appropriate time frame. The equity exposure will typically not exceed 75% of the aggregate market value of the portfolio.

Performance

Return since inception: 5.72%

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Risk Profile: Aggressive
Fund Objectives

To provide capital growth through low cost exposure to a range of global asset classes.

Investment Strategy

Performance

Return since inception: 6.04%

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Risk Profile: Conservative
Fund Objectives

The portfolio achieves its objectives through investment in a diversified portfolio of domestic equity, domestic fixed interest, foreign equity and foreign fixed interest portfolios. The asset allocation for the solution is determined by Nedgroup Investment Advisors who seek to achieve optimal diversification of the asset classes by making use of proprietary research and portfolio optimiser tools. A strategic asset allocation is set for the solution and built from various asset classes which track appropriate indices and is rebalanced periodically when target weights are exceeded.

Investment Strategy

The portfolio aims to secure for investors total returns of CPI + 3%, whilst at the same time providing a steady growth of capital by passively replicating a broad and fairly stable combination of securities, including equity, bond, money market, property or derivative instruments, both locally and abroad. The allocation of investments in the portfolio aims to comply with the provisions of Regulation 28 of the Pension Funds Act at all times and will therefore be appropriate for retirement funds. The portfolio may also include participatory interests in portfolios of collective investment schemes, both locally and internationally, subject to the provisions of CISCA. The equity exposure of the portfolio will typically not exceed 25-40% of the aggregate market value of the portfolio.

Performance

Return since inception: 9.92%

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Risk Profile: Conservative
Fund Objectives

The portfolio achieves its objectives through investment in a diversified portfolio of domestic equity, domestic fixed interest, foreign equity and foreign fixed interest portfolios. The asset allocation for the solution is determined by Nedgroup Investment Advisors who seek to achieve optimal diversification of the asset classes by making use of proprietary research and portfolio optimiser tools. A strategic asset allocation is set for the solution and built from various asset classes which track appropriate indices and is rebalanced periodically when target weights are exceeded.

Investment Strategy

The portfolio aims to secure for investors total returns of CPI + 3%, whilst at the same time providing a steady growth of capital by passively replicating a broad and fairly stable combination of securities, including equity, bond, money market, property or derivative instruments, both locally and abroad. The allocation of investments in the portfolio aims to comply with the provisions of Regulation 28 of the Pension Funds Act at all times and will therefore be appropriate for retirement funds. The portfolio may also include participatory interests in portfolios of collective investment schemes, both locally and internationally, subject to the provisions of CISCA. The equity exposure of the portfolio will typically not exceed 25-40% of the aggregate market value of the portfolio.

Performance

Return since inception: 6.78%

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Risk Profile: Conservative
Fund Objectives

The portfolio is suitable for investors seeking enhanced money market returns, but who have a low tolerance for capital loss and who do not wish to make complex asset allocation decisions between cash, bonds, property and other fixed interest asset classes .

Investment Strategy

To maximise capital and income returns by actively repositioning the portfolio between cash, bonds and other fixed interest securities, depending on prevailing economic conditions.

Performance

Return since inception: 8.22%

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Risk Profile: Conservative
Fund Objectives

The portfolio is suitable for investors seeking medium to long term exposure to a diversified multi-asset portfolio of global investments, with a focus on fixed income, whilst being prepared to accept a degree of volatility in performance. The portfolio will have a maximum equity exposure of 30%. The portfolio will be subject to currency fluctuations due to its international exposure. The portfolio is rand-denominated, which provides investors who may have utilised their full individual offshore allowance an opportunity to obtain additional exposure to international markets.

Investment Strategy

To seek to provide investors with steady medium to long-term capital growth and income, whilst at the same time controlling the level of downside risk. Apart from assets in liquid form, the portfolio will consist solely of participatory interests in a single portfolio of a collective investment scheme operating in a territory outside South Africa, currently the NIF Global Cautious Fund, which is a sub-fund under the Nedgroup Investments Funds PLC Scheme, or such other foreign sub-fund as may be decided from time to time by the manager with the consent of the trustee. The foreign CIS is characterised by comprising securities of companies listed on exchanges outside of South Africa, bonds and other debt instruments issued by foreign sovereign states and companies, listed property securities and other securities which provide steady growth of capital and income. The equity exposure will typically not exceed 50% of the aggregate market value of the portfolio.

Performance

Return since inception: 8.68%

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Risk Profile: Moderate
Fund Objectives

To achieve, over a longer-term horizon, higher returns than those available from money market instruments denominated in US dollars; more specifically returns above US dollar LIBOR over a rolling three year period, with volatility below that of equities.

Investment Strategy

The Sub-Fund’s objective will be to achieve, over a longer-term horizon, higher returns than those available from money market instruments denominated in US Dollars. More specifically, this Sub-Fund will aim to generate a return above cash as measured by US Dollar one month LIBOR over a rolling three year period with volatility below that of equities.

Performance

Return since inception: 3.02%

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Risk Profile: Conservative
Fund Objectives

To achieve, over a longer term, higher returns than those available from money market instruments denominated in US dollars.

Investment Strategy

The Sub-Fund’s objective will be to achieve, over a longer-term horizon, higher returns than those available from money market instruments denominated in US Dollars. More specifically, this Sub-Fund will aim to generate a return above cash as measured by US Dollar one month LIBOR over a rolling three year period with volatility below that of equities.

Performance

Return since inception: 1.97%

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Risk Profile: Aggressive
Fund Objectives

This portfolio is suitable for investors seeking exposure to global equity markets. The portfolio will be subject to currency fluctuations due to its international exposure.

Investment Strategy

A feeder fund seeking to provide investors with above average capital and income growth over the medium to long term. Apart from “assets in liquid form” the portfolio will consist solely of participatory interests in a single portfolio of a collective investment scheme operating in a territory outside South Africa with a regulatory environment, which is to the satisfaction of the manager and trustee, of a sufficient standard to provide investor protection at least equivalent to that in South Africa and that is characterised of being primarily of a “value” investment style. At least 85% of assets to be invested outside SA at all times. A minimum of 75% in equities.

Performance

Return since inception: 20.30%

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Risk Profile: Aggressive
Fund Objectives

A global equity portfolio that aims to provide investors with long-term capital growth through active stock selection in global equity markets.

Investment Strategy

The Sub-Fund is designed for long-term investors who wish to build capital over a number of years through investment in a focused portfolio of global companies.

Performance

Return since inception: 8.96%

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Risk Profile: Aggressive
Fund Objectives

For long term investors who wish to build up capital over a number of years through investment in a focussed portfolio of global companies.

Investment Strategy

The Sub-Fund is designed for long-term investors who wish to build capital over a number of years through investment in a focused portfolio of global companies.

Performance

Return since inception: 10.27%

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Risk Profile: Aggressive
Fund Objectives

This portfolio is suitable for investors seeking exposure to a fully flexible globally diversified portfolio (in respect of asset classes, regions and currencies) through a single entry point. The portfolio will be subject to currency fluctuations due to its offshore exposure.

Investment Strategy

A feeder fund seeking to provide investors with an optimum overall yield comprising both capital growth and income. Apart from the assets in liquid form, invest solely in participatory interests in a single portfolio of a collective investment scheme operating in a territory outside South Africa with a regulatory environment which is, to the satisfaction of the manager and trustee, of a sufficient standard to provide investor protection at least equivalent to that in South Africa and that, in turn, comprises of securities in companies listed on exchanges, primarily outside of South Africa, companies the business of which is mainly practiced outside South Africa, companies which trade in South Africa but with meaningful investments outside South Africa and the operating investment income is mainly derived from outside South Africa and the companies the income of which is determined in other currencies than the rand.

Performance

Return since inception: 16.45%

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Risk Profile: Aggressive
Fund Objectives

The objective of the Global Flexible Fund is to provide investors with long-term capital growth through investment in a diversified range of global asset classes and currencies. The fund aims to produce an equity-like return over the long-term but with less risk than equity markets; its broad mandate allows it to invest across asset classes and the capital structure, in a variety of market caps, geographies and sectors.

Investment Strategy

The Sub-Fund’s objective will be to provide investors with long term capital growth.

Performance

Return since inception: 6.70%

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Risk Profile: Aggressive
Fund Objectives

The objective of the portfolio is to provide investors with steady medium to long-term capital growth by investing primarily in listed real estate companies and REITS worldwide.

Investment Strategy

To achieve an annual total return that exceeds the total return of the FTSE EPRA/NAREIT Developed Index NET TRI after fees measured on a three year rolling basis

Performance

Return since inception: 0.35%

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Risk Profile: Moderate
Fund Objectives

The portfolio is suitable for investors requiring moderate levels of capital growth who do not wish to make complex asset allocation decisions between equities, cash and bonds, both locally and offshore. Diversification across asset classes and a maximum equity exposure of 75% helps to reduce risk and volatility relative to a general equity portfolio.

Investment Strategy

The Nedgroup Investments Managed Fund is a specialist portfolio and the manager in selecting securities for the Nedgroup Investments Managed Fund , will seek to follow an investment policy which will reflect a spread of securities aiming at high income and capital growth. In order to achieve this objective the securities to be acquired for the Nedgroup Investments Managed Fund will cover the full spectrum of securities and will include shares, participatory interests in trust schemes in property shares, loan stock, financial instruments and assets in liquid form. The manager will not be permitted to invest in offshore investments. The allocation of investments will comply with prudential investment guidelines applying to retirement funds in South Africa

Performance

Return since inception: 3.53%

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Risk Profile: Moderate
Fund Objectives

The portfolio is suitable for investors requiring moderate levels of capital growth who do not wish to make complex asset allocation decisions between equities, cash and bonds, both locally and offshore.

Investment Strategy

The portfolio aims to achieve total returns for investors that are in excess of inflation whilst displaying lower volatility than the average prudential variable equity fund. The portfolio invests in a combination of securities as defined in CISCA, including assets in liquid form, equity, bond, money market, property or derivative instruments, both locally and abroad. The asset allocation will be actively managed and will continually reflect the portfolio manager’s view of the relative attractiveness of these markets.

Performance

Return since inception: 8.36%

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Risk Profile: Aggressive
Fund Objectives

The portfolio is suitable for investors who require sector specific exposure to real estate securities as part of their overall investment strategy, with both income generation and capital appreciation as their primary goal over the long term.

Investment Strategy

A specialist portfolio aiming to secure an optimal overall yield comprising both income and long-term capital appreciation. The fund will invest primarily in listed real estate securities, collective investment schemes in property and property loan stock, but may include other high yielding fixed interest and other securities, including equity, bond, money market, or derivative instruments, both locally and abroad. At least 80% of the fund shall be invested in South African markets at all times and the portfolio shall maintain a minimum effective exposure to real estate securities of 50% or such other percentages as may be prescribed from time to time in the latest ASISA Classification Code. The asset allocation will be actively managed and will continually reflect the manager's view of the relative attractiveness of these markets.

Performance

Return since inception: 12.06%

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Risk Profile: Aggressive
Fund Objectives

The portfolio is suitable for investors seeking exposure to the domestic equity market with maximum capital appreciation as their primary goal over the long term. Investors should have a tolerance for short-term market volatility in order to achieve long-term objectives.

Investment Strategy

The portfolio is a general equity portfolio that aims to achieve superior medium to long-term capital growth through careful stock selection and exposure to selected themes within the equity market, both locally and abroad. The selected themes within the portfolio will change from time to time in accordance with changed market conditions and economic trends. The manager will, in selecting securities, follow an investment policy that will pursue capital growth as its primary objective. All these securities will be in financially sound companies, and may be either large, medium or small capitalisation stocks, purchased at fair market prices. The manager will be permitted to invest in offshore investments as legislation permits.

Performance

Return since inception: 7.49%

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Risk Profile: Conservative
Fund Objectives

The Fund seeks to offer investors total returns that are in excess of inflation over the medium-term. A maximum of 40% of the Fund's assets may be invested in domestic equities at all times. The portfolio complies with Regulation 28 of the South African Pension Funds Act.

Investment Strategy

To achieve total returns for investors that is in excess of inflation while displaying lower volatility than the average prudential portfolio. The fund will be managed according to prudential guidelines, ie Regulation 28compliant.

Performance

Return since inception: 8.85%

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Risk Profile: Conservative
Fund Objectives

The portfolio aims to offer investors total returns that are in excess of inflation over the medium-term and is suitable for conservative investors requiring a high level of capital protection, with the potential for some capital growth and who do not wish to make complex asset allocation decisions between equities, cash and bonds, both locally and offshore. Diversification across asset classes and a maximum equity exposure of 40% helps to reduce risk and volatility relative to an average prudential portfolio.

Investment Strategy

To achieve total returns for investors that is in excess of inflation while displaying lower volatility than the average prudential portfolio. The fund will be managed according to prudential guidelines, ie Regulation 28compliant.

Performance

Return since inception: 9.56%

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Risk Profile: Aggressive
Fund Objectives

Investment Strategy

Performance

Return since inception: 6.05%

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Old Mutual Logo
Risk Profile: Aggressive
Fund Objectives

The Fund aims to offer superior returns over the medium to longer term by investing in shares from around the world.

Investment Strategy

The fund provides an entry point to world stock markets by means of a broad-based exposure to quality shares across the globe. The fund remains as fully invested in equities as possible, given regulatory constraints. The fund maximises returns by managing country and sector exposure. Exposure to different geographic areas and individual shares is actively varied with the intention of outperforming the Morgan Stanley Capital World Index (MSCI) over rolling one-year periods. The fund should perform when world markets are buoyed by superior blue chip performance.

Performance

Return since inception: 23.44%

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Risk Profile: Conservative
Fund Objectives

Investment Strategy

The fund aims to provide the highest level of income payout that can be sustained without eroding the fund's inflation-adjusted capital base. The aim is to grow the income and the underlying capital of the fund in line with inflation. This portfolio will be actively managed in order to balance the twin objectives of inflation protection and income generation. Inflation protection will be achieved by diversification and by selective exposure to equities and listed property. Income will be maximized by seeking opportunities along the full spectrum of the yield curve and there is no constraint on duration. Derivatives may be used where appropriate.

Performance

Return since inception: 8.82%

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Risk Profile: Aggressive
Fund Objectives

Investment Strategy

The fund aims to generate sustainable pre-tax income whilst growing the original capital invested. To achieve this it invests in a careful selection of listed South African commercial and industrial property shares. Income is derived from property shares that offer a secure, escalating income. Capital growth is achieved from quality shares that show potential for an upward share price movement. Further factors influencing share selection are the quality and location of the properties as well as the rental growth potential, based on their tenant quality and lease profile. The fund aims to remain fully invested at all times, and may invest up to 20% of its value in the units of other suitable unit trusts.

Performance

Return since inception: 8.63%

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Orbis Logo
Risk Profile: Aggressive
Fund Objectives

The Fund remains fully invested in global equities. It aims to earn higher returns than world stock markets and has a benchmark of the FTSE World Index, including income (World Index). The Fund's currency exposure is managed relative to that of the World Index.

Investment Strategy

The Fund seeks higher returns than the average of the world’s equity markets, without greater risk.

Performance

Return since inception: 11.44%

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Risk Profile: Moderate
Fund Objectives

The Fund seeks capital appreciation on a low risk global portfolio. The Fund invests principally in a focused portfolio of selected global equities believed to offer superior relative value and employs stock market hedging to reduce risk of loss.

Investment Strategy

The Fund seeks capital appreciation on a low risk global portfolio and is offered in a choice of US dollars or euro. The Fund invests principally in a focused portfolio of selected global equities believed to offer superior relative value and employs stockmarket hedging to reduce risk of loss. The Fund is designed for investors seeking capital appreciation on a low risk global investment portfolio. The Fund’s returns are intended to be largely independent of the returns of major asset classes such as cash, equities and bonds.

Performance

Return since inception: no data available

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Risk Profile: Moderate
Fund Objectives

The Fund seeks capital appreciation on a low risk global portfolio. The Fund invests principally in a focused portfolio of selected global equities believed to offer superior relative value and employs stock market hedging to reduce risk of loss.

Investment Strategy

The Fund seeks capital appreciation on a low risk global portfolio and is offered in a choice of US dollars or euro. The Fund invests principally in a focused portfolio of selected global equities believed to offer superior relative value and employs stockmarket hedging to reduce risk of loss. The Fund is designed for investors seeking capital appreciation on a low risk global investment portfolio. The Fund’s returns are intended to be largely independent of the returns of major asset classes such as cash, equities and bonds.

Performance

Return since inception: no data available

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Risk Profile: Aggressive
Fund Objectives

The Fund seeks higher returns than the average of the emerging markets equity markets, without greater risk of loss. The Fund will invest in Emerging market securities; being those of companies domiciled in emerging (including frontier) market countries (EM), whose securities trade on EM exchanges, or whose businesses have significant links to EM.

Investment Strategy

The Fund seeks higher returns than the average of the equity stock markets of the world’s emerging market countries, without greater risk of loss. The Fund is designed to remain continuously invested in, and exposed to all the risks and rewards of, selected Emerging Market equities. The Fund expects to be not less than 90% invested in Emerging Market equity and equity-linked investments. The Fund identifies Emerging Market equity and equity-linked investments as those investments that are issued by a corporate body or other entity domiciled or primarily located in a country represented in the MSCI Emerging Markets Index or the MSCI Frontier Markets Index (together, “Emerging Markets”), or traded or listed on an exchange in an Emerging Market, or issued by a corporate body or other entity whose business is significantly linked to Emerging Markets; in each case, as measured at the time of the Fund’s opening position in the respective investment.

Performance

Return since inception: 6.48%

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Risk Profile: Moderate
Fund Objectives

The Fund seeks to balance appreciation of capital, income generation and risk of loss with a diversified global portfolio.

Investment Strategy

The Fund seeks to balance appreciation of capital, income generation and risk of loss with a diversified global portfolio.

Performance

Return since inception: 7.52%

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Risk Profile: Aggressive
Fund Objectives

The Fund remains fully invested in Japanese equities. It aims to earn higher returns than the Japanese stock market and has a benchmark of the TOPIX Index, including income measured in Japanese yen or hedged into Euro.

Investment Strategy

To seek higher returns than the Japanese stockmarket, without greater risk of loss

Performance

Return since inception: 8.39%

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Risk Profile: Aggressive
Fund Objectives

The Fund remains fully invested in Japanese equities. It aims to earn higher returns than the Japanese stock market and has a benchmark of the TOPIX Index, including income measured in Japanese yen or hedged into Euro.

Investment Strategy

To seek higher returns than the Japanese stockmarket, without greater risk of loss

Performance

Return since inception: 8.61%

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PineBridge Logo
Risk Profile: Aggressive
Fund Objectives

The Fund seeks to achieve capital appreciation by identifying new and changing worldwide economic and investment trends, through investment in equity, fixed income and short-term securities.

Investment Strategy

The Sub-Fund seeks long-term capital appreciation by identifying new and changing worldwide economic and investment trends and investing in assets globally to benefit therefrom. The Sub-Fund will select equity, equity-related, debt and short term securities of companies and debt securities of governments throughout the world, which are expected by the Investment Managers to benefit from such trends.

Performance

Return since inception: 4.60%

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Prescient Logo
Risk Profile: Moderate
Fund Objectives

The objective of the Fund is to diversify across asset classes for long term capital growth through a balanced approach.

Investment Strategy

The FUND OF FUNDS is an asset allocation prudential medium equity portfolio. The objective of the Fund is to diversify across asset classes for long term capital growth through a balanced approach. The manager in selecting collective investment schemes for the portfolio will seek to follow an investment policy which will secure for investors a combination of investments in equity, bond (sukuks), money and property markets. All collective investment schemes and assets will have been approved by the Shari’ah Supervisory Board for time to time. The portfolio will predominately invest in South African markets, but is however permitted to include investments in offshore jurisdictions subject to the investment conditions determined by the Registrar from time to time. The portfolio will be subject to the Prudential Investment Guidelines for South African Retirement Funds, being Regulation 28 of the Pension Funds Act, or such other Legislation published from time to time.

Performance

Return since inception: 6.89%

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Risk Profile: Moderate
Fund Objectives

The underlying fund will primarily invest in real estate securities listed on international stock exchanges. The Fund has a medium to long term investment horizon and has a total return objective comprising both income return and capital appreciation. Investors should be prepared for a minimum investment of at least three years.

Investment Strategy

The fund is a Rand denominated property equity Feeder Fund, feeding solely into the Catalyst Global Real Estate Fund (USD). The fund has a medium to long term investment horizon and has a total return objective comprising both income return and capital appreciation. In order to achieve the investment objective the securities normally to be included in the Catalyst Global Real Estate Fund (USD) will primarily consist of global real estate securities listed on international stock exchanges, comprising of equity securities and fixed income securities, regulated real estate derivative securities, securities in listed entities that are backed by real estate property, as well as closed ended property companies that are involved in the developing, letting and management of properties, and cash. Investments in foreign markets will be subject to any Exchange Control Regulations applicable in South Africa at the time.

Performance

Return since inception: 17.19%

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Risk Profile: Moderate
Fund Objectives

Investment Strategy

The Fund will aim to deliver long-term capital growth over time for investors through investing in a broad range of asset classes in a balanced manner. The Manager will invest in a diversified range of equities, bonds, preference shares, debentures, money market, property markets and listed and unlisted financial instruments. Asset allocation will be managed actively and the Fund will seek to capture value opportunities by switching between asset classes and also focus on equity selection opportunities. The portfolio will predominately invest in South African markets, but is however permitted to include investments in offshore jurisdictions. The portfolio may also include participatory interests or any other form of participation in portfolios of collective investment schemes. The portfolio will be subject to the Prudential Investment Guidelines for South African Retirement Funds, being Regulation 28 of the Pension Funds Act, or such other legislation published from time to time.

Performance

Return since inception: 6.87%

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Risk Profile: Aggressive
Fund Objectives

Investment Strategy

The Fund will be an equity portfolio and the manager will invest in a flexible combination of equity, equity derivatives, bonds, money and property markets. The portfolio is permitted to include investments in offshore jurisdictions subject to the investment conditions determined by the Registrar from time to time. The portfolio is permitted to invest in financial instruments in line with the conditions as determined by the Registrar from time to time. The portfolio may also include participatory interests or any other form of participation in portfolios of collective investment schemes or other similar schemes.

Performance

Return since inception: 6.06%

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Risk Profile: Conservative
Fund Objectives

The Fund aims to return CPI +3% per annum through a full interest rate cycle while providing stability by aiming never to lose capital over any rolling 3 month period

Investment Strategy

The fund’s objective is to provide as high a level of income as is consistent with capital preservation and liquidity. Capital gains will be of an incidental nature The manager may invest in high yielding securities and fixed interest stocks including gilt-edged securities, municipal, corporate and public corporations bonds, fixed deposits money market and derivative instruments as defined from time to time. Additionally the manager may invest in the participatory interests of other appropriate collective investment schemes both domestically and offshore The FUND is a fixed interest portfolio. The investment objective of the portfolio is to provide a medium whereby investors can obtain undivided participation in a diversified portfolio of income generating assets including high yielding equity, listed property shares, interest bearing stocks and financial instruments as defined from time to time.

Performance

Return since inception: 9.70%

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Risk Profile: Conservative
Fund Objectives

The Fund aims to achieve sustainable real returns over time. This achieved by generating consistent positive returns, while safeguarding the portfolio from downside risk. The Fund aims to protect capital over a 12 month rolling period. The Fund is Regulation 28 compliant.

Investment Strategy

The FUND is an asset allocation fund and will be subject to the “Prudential Investment Guidelines”, and it will be suitable for low risk and retirement fund investors. The portfolio will have as its primary objective a return in excess of zero on a rolling 12 monthly basis. It will have as a secondary objective a return in excess of the official Consumer Price Index. To the fullest extent possible, the securities to be included in the portfolio, would normally include the full spectrum of listed securities, including ordinary shares, preference shares, debenture stock, debenture bonds, unsecured notes, participatory interests in collective investment schemes in property shares, loan stock, long term fixed interest instrument or bonds, assets in liquid form and other financial instruments including futures, options, warrants and index tracking certificates. Investments in securities listed on any exchange outside the Republic of South Africa could be included as legislation permits.

Performance

Return since inception: 8.96%

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Risk Profile: Conservative
Fund Objectives

Investment Strategy

The Prescient Cash QuantPlus Fund is a fixed interest fund. The investment objective of the Fund is to provide a medium whereby investors can obtain undivided participation in a diversified portfolio of fixed interest stocks including gilt-edged securities, municipal and public corporation bonds, fixed deposits, money market and derivative instruments as defined from time to time. The primary performance objective of the Fund is to obtain as high a level of current income as is consistent with capital preservation and liquidity. Capital gains will be of an incidental nature. The maximum average duration of the portfolio will be 9 months. The maximum maturity per instrument within the portfolio will be 18 months.

Performance

Return since inception: 7.87%

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Prudential Logo
Risk Profile: Moderate
Fund Objectives

The Fund aims to achieve steady long term growth of capital and income by investing in a diversified combination of domestic and international assets where the asset allocation is tactically managed.

Investment Strategy

Fund Objective: To achieve steady long-term growth of capital and income by investing in a diversified combination of domestic and international assets, where the asset allocation is tactically managed. Investor profile: A suitable fund for retirement provision and for those individuals looking to tilt their portfolio to value with controlled risk exposure. The recommended investment horizon is 5 years or longer. Investment Mandate: The Fund conforms to the regulations governing retirement fund investments (Regulation 28). Intended maximum limits: Equity 75%, Listed Property 25%, Offshore 25%, plus additional 5% Africa (excl. SA).

Performance

Return since inception: 13.95%

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Risk Profile: Aggressive
Fund Objectives

To provide broad-based exposure to shares that offer value and medium to long term growth.

Investment Strategy

Fund Objective: To provide broad-based exposure to shares that offer value and medium- to long-term growth. The portfolio managers seek to invest in companies where returns can be achieved from any or all of growth in earnings, growth in dividends and a re-rating of its share price; however, there will be a bias towards companies offering high but sustainable dividend yields. Investor profile: Investors with a higher risk tolerance looking for out-performance of the average SA General Equity Fund without taking on greater risk of loss. The recommended investment horizon is 7 years or longer. Investment Mandate: The Fund invests in companies that meet the portfolio managers’ value criteria. The Fund will have a bias towards investment in companies offering high, sustainable dividend yields; however, it is not restricted from investing in companies offering earnings growth or possible market re-rating. The intended maximum limits are Equity 100%, Property 10%, Foreign 30% and Africa 5%.

Performance

Return since inception: 11.10%

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Risk Profile: Conservative
Fund Objectives

To maximise total returns in excess of the benchmark over a rolling 36 month period while seeking to protect capital and reduce volatility through active asset management

Investment Strategy

Fund Objective: To maximise total returns in excess of the benchmark over a rolling 36-month period, while seeking to protect capital and reduce volatility through active asset management. Investor profile: Individuals requiring an actively managed income solution that provides a high income return together with moderate capital growth. The recommended investment horizon is 1 to 3 years. Investment Mandate: The Fund invests in a flexible mix of high-yielding securities. The intended maximum limits are Equity 10%, Listed Property 25%, Offshore 20%, plus additional 5% Africa (excl. SA). No duration constraints apply. The Fund is managed to comply with regulations governing retirement fund investments (Regulation 28).

Performance

Return since inception: 8.29%

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Risk Profile: Aggressive
Fund Objectives

To provide a total return equal to or better than the benchmark (after fees) while providing long term capital growth.

Investment Strategy

Fund Objective: To provide a total return equal to or better than the benchmark (after fees) while providing long-term capital growth. Investor profile: Individuals with a medium-to-high risk tolerance requiring medium-to long-term capital and income growth through efficient and cost-effective exposure to the Listed Property sector in South Africa. The recommended investment horizon is 5 years or longer. Investment Mandate: The Fund invests in South African listed property instruments and assets in liquid form. No direct investment in physical property may be made. The Fund is managed to a maximum tracking error of 2%.

Performance

Return since inception: 12.08%

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Risk Profile: Aggressive
Fund Objectives

The Fund seeks to provide broadly based exposure to shares which offer value and medium to long term growth.

Investment Strategy

Fund Objective: To provide broad-based exposure to shares that offer value and medium- to long-term growth. The portfolio managers seek to invest in those companies where returns can be achieved from any or all of (a) growth in earnings, (b) growth in dividends and (c) a re-rating by the market of the company’s share price. Investor profile: Investors with a higher risk tolerance who are looking for out-performance of the average South African General Equity Fund without taking on greater risk of loss. The recommended investment horizon is 7 years or longer. Investment Mandate: The Fund invests in companies that meet the portfolio managers’ value criteria. The Fund seeks out value by attempting to capture all components of return over time, including high dividend yield, earnings growth and possible market re-rating. The intended maximum limits are Equity 100%, Listed Property 10%, Foreign 25% and Africa (excl. SA) 5%.

Performance

Return since inception: 11.57%

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Risk Profile: Moderate
Fund Objectives

Primary objective is to outperform CPI by 5% before fees. Secondary objective is to reduce the risk of capital loss over any rolling 12 month period.

Investment Strategy

Fund Objective: The primary objective is to outperform CPI by 5% (before fees) over a rolling 3-year period. The secondary objective is to reduce the risk of capital loss over any rolling 12-month period. Investor profile: Individuals looking for a low-to medium-risk multi-asset fund. Individuals and retirees who want to protect their investment from the detrimental effects of inflation over time. The recommended investment horizon is 3 years or longer. Investment Mandate: The Fund invests in an actively managed, diversified combination of domestic and international assets where the asset allocation is tactically managed. The intended maximum limits are Equity 40%, Listed Property 25%, Offshore 25%, plus additional 5% Africa (excl. SA).The Fund is managed to comply with regulations governing retirement fund investments (Regulation 28).

Performance

Return since inception: 12.17%

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PSG Logo
Risk Profile: Moderate
Fund Objectives

The PSG Balanced Fund will be a specialised portfolio, having the primary objective of long term growth of capital and a reasonable level of income for investors. The manager shall seek to achieve this objective through active management of a portfolio of assets in liquid form. The asset allocation will be actively managed and will continually reflect the portfolio managers view of the relative attractiveness of the equity, gilt and money markets, both locally and abroad.

Investment Strategy

The PSG Balanced Fund is a specialised portfolio, having the primary objective of long term growth of capital and a reasonable level of income for investors. The manager shall seek to achieve this objective through active management of a portfolio of assets which comprises a mix of securities, non-equity securities and assets in liquid form. The asset allocation will be actively managed and will continually reflect the portfolio manager’s view of the relative attractiveness of the equity, gilt and money markets, both locally and abroad. The selected sectors within the equity portion of the portfolio will change from time to time in accordance with changing economic trends. The portfolio may also include participatory interests or any other forms of participation in portfolios of collective investment schemes or other similar schemes consistent with the portfolio’s primary objective. The portfolio will comply with regulations governing retirement funds.

Performance

Return since inception: 9.95%

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Risk Profile: Aggressive
Fund Objectives

Investment Strategy

The PSG Equity Fund is a general fund and the manager, in selecting securities for the portfolio will seek to follow an investment policy which will allow it to secure for investors an optimum yield, that is to say the steady growth of income and the preservation of capital in real terms. In order to achieve these main objectives the investments to be acquired shall comprise a mix of securities and assets in liquid form, as defined in the Act and deed, all to be acquired at a fair market value. The portfolio may also include participatory interests or any other form of participation in portfolios of collective investment schemes or other similar schemes consistent with the portfolio’s primary objective. The portfolio will hold a minimum of 75% of the market value of the portfolio in equities at all times.

Performance

Return since inception: 10.93%

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Risk Profile: Aggressive
Fund Objectives

The Fund seeks to follow an investment policy which will aim to achieve superior medium- to long-term capital growth through exposure to selected sectors of the equity market and/or the gilt market and/or the money market.

Investment Strategy

The Fund is a managed flexible portfolio and will seek to follow an investment policy which will aim to achieve superior medium to long term capital growth through exposure to selected sectors of the equity market, and/or gilt market and/or the money market. The asset allocation will be actively managed and will continually reflect the portfolio manager’s view of the relative attractiveness of the equity, gilt and money markets, both locally and abroad. The selected sectors of the equity portion of the portfolio will change from time to time in accordance with changing market conditions and economic trends.

Performance

Return since inception: 11.92%

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Rezco Logo
Risk Profile: Aggressive
Fund Objectives

The Fund's primary objective is to create long term wealth for investors, while at the same time reducing the amount of risk. This is to be achieved within the constraints governing retirement funds.

Investment Strategy

The fund seeks to outperform its benchmark, the Weighted Average Return of the Domestic Asset Allocation Prudential Variable Equity Sector as calculated by I-net, and also to achieve this outperformance with less variation in returns through the market cycle. The objective of capital growth and simultaneous risk management necessitates the flexible nature of the fund; i.e. when the risk profile of the market changes the level of equity exposure will be adjusted. The fund's investment selection would be achieved through buying investments trading below their intrinsic long term worth. In order to achieve the portfolio’s investment objectives, the securities to be acquired for the fund will consist of a spectrum of investments in equities, listed gilts, interest bearing securities, money market instruments and property markets. The effective total equity exposure (including international equity) must be between 0% and 75% at all times.

Performance

Return since inception: 8.78%

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Risk Profile: Aggressive
Fund Objectives

The fund aims to outperform the South African equity market over the long term, without taking on greater risk. By preserving capital and creating wealth the fund delivers good returns across the cycle with low volatility. The funds's benchmark is the FTSE/JSE All Share Index (J203).

Investment Strategy

Aims to achieve the twin objectives of absolute return and out-performance of the All Share Index (J203) in both bull & bear markets. The fund may be invested in equities, cash & bonds. The funds may be invested Nil to 100% in equities & may hold up to 30% in foreign assets.

Performance

Return since inception: 8.93%

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Risk Profile: Moderate
Fund Objectives

Investment Strategy

Aims to achieve the twin objectives of absolute return and out-performance of the All Share Index (J203) in both bull & bear markets. The fund may be invested in equities, cash & bonds. The funds may be invested Nil to 100% in equities & may hold up to 30% in foreign assets.

Performance

Return since inception: 3.01%

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Sanlam Logo
Risk Profile: Conservative
Fund Objectives

This is an actively managed, flexible fixed interest fund which aims to provide a high level of income whilst maximising returns. Capital preservation is of primary importance and diversification across high yielding asset classes offers downside capital protection. This fund has no offshore exposure. The fund is Regulation 28 compliant.

Investment Strategy

The SIM Active Income Fund's objective is to provide a high level of income and maximize returns by actively positioning this portfolio between income yielding securities, depending on the investment manager's view prevailing economic environment and interest rate cycles.

Performance

Return since inception: 8.26%

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Risk Profile: Conservative
Fund Objectives

This is a flexible asset allocation fund which aims to deliver smooth,positive real returns (adjusted for the effects of inflation) targeting CPI +4% over a 3-year rolling period. The fund is managed in accordance with Regulation 28 guidelines, although this is not a stipulation in the investment policy of supplemental deed.

Investment Strategy

The fund invests in the flexible combination of investments in the equity, gilt and money markets, both locally and abroad. The Inflation Linked Fund will be run to explicitly satisfy two important needs of investors, firstly to keep their purchasing power ahead of the cost of living, and secondly not to lose money. The fund will be conservatively managed with the key focus on capital preservation and real returns at a lower volatility than that of equity funds. The aim of the fund is to outperform inflation (CPI) by 5% (before costs) over a rolling three-year period. Furthermore, the portfolio manager will also strive not to lose capital over a 12-month rolling period. This makes this unit trust ideally suited to cautious investors and especially retirees. The fund does not offer any guarantees.

Performance

Return since inception: 8.69%

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Sarasin Logo
Risk Profile: Aggressive
Fund Objectives

The investment objective of the Trust is to achieve long term capital growth.

Investment Strategy

The Fund seeks to achieve long-term growth though investment in the shares of global real estate companies and the global real estate investment trust market. The Fund invests mainly in Real Estate Investment Trusts, and company shares from around the world, which are linked to the property market. The Fund will hold mainly the shares of large or medium sized companies, but from time to time may invest in smaller companies. These companies are involved in land development or earn income from letting land or property. The Fund will not track an index. Derivatives (financial instruments whose value is linked to the expected future price movements of an underlying asset)may be used only with the aim of reducing risk or costs, or generating additional capital or income.

Performance

Return since inception: 8.86%

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Risk Profile: Aggressive
Fund Objectives

The investment objective of the Trust is to achieve long term capital growth and income generation with a lower risk profile than pure stock market alternatives by investment on a global basis.

Investment Strategy

The Fund seeks to achieve capital growth and income over the long-term with a lower risk profile than equity market alternatives through investment in a range of global asset classes. The Fund invests globally in a combination of assets. Predominately these are shares and company or government bonds. Shares held will satisfy Sarasin¡¯s thematic process and generally 30-90% of the Fund's assets will be invested in shares. It is not constrained by geography, sector or style but manages risk through a variety of theme characteristics. The bonds will mainly be priced in British pounds. The Fund will not track an index. Derivatives (financial instruments whose value is linked to the expected future price movements of an underlying asset)may be used only with the aim of reducing risk or costs, or generating additional capital or income.

Performance

Return since inception: 8.05%

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Risk Profile: Aggressive
Fund Objectives

The investment objective of the Trust is to achieve long term capital growth and income generation with a lower risk profile than pure stock market alternatives.

Investment Strategy

The Fund seeks to achieve capital growth and income over the long-term with a lower risk profile than equity market alternatives through investment in a range of asset classes. The Fund invests globally in a combination of assets. Predominately these are shares and company or government bonds. Shares held will satisfy Sarasin¡¯s thematic process and generally 30-90% of the Fund's assets will be invested in shares. It is not constrained by geography, sector or style but manages risk through a variety of theme characteristics. The bonds will mainly be priced in US Dollars. The Fund will not track an index. Derivatives (financial instruments whose value is linked to the expected future price movements of an underlying asset)may be used only with the aim of reducing risk or costs, or generating additional capital or income.

Performance

Return since inception: 6.20%

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Satrix Logo
Risk Profile: Aggressive
Fund Objectives

The investment objective of the portfolio is to provide investors with capital growth, through exposure to domestic equities, in the medium to long term by tracking the FTSE/JSE All Share Index (J203) as closely as possible. Income is of secondary importance.

Investment Strategy

The investment objective of the portfolio is to seek long term capital growth by investing in shares of the FTSE/JSE All Share Index (J203). Income will be of secondary importance. The Manager shall seek to achieve this objective by investing in shares listed on the JSE as well as assets in liquid form. The combination of shares will enable the investment manager to track the performance of the FTSE/JSE All Share Index as closely possible. When investing in derivatives, the Manager will adhere to prevailing derivative regulations. The Trustee shall ensure that the investment policy set out in the preceding clauses are adhered to, provided that nothing contained in this clause shall preclude the Manager from varying the proportions of securities in terms of changing economic factors or market conditions or from retaining cash in the portfolio and/or placing cash on deposit.

Performance

Return since inception: 4.18%

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Risk Profile: Aggressive
Fund Objectives

Investment Strategy

The investment objective of the portfolio is to seek long term capital growth by investing in shares of the FTSE/JSE All Share Index (J203). Income will be of secondary importance. The Manager shall seek to achieve this objective by investing in shares listed on the JSE as well as assets in liquid form. The combination of shares will enable the investment manager to track the performance of the FTSE/JSE All Share Index as closely possible. When investing in derivatives, the Manager will adhere to prevailing derivative regulations. The Trustee shall ensure that the investment policy set out in the preceding clauses are adhered to, provided that nothing contained in this clause shall preclude the Manager from varying the proportions of securities in terms of changing economic factors or market conditions or from retaining cash in the portfolio and/or placing cash on deposit.

Performance

Return since inception: 4.17%

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Risk Profile: Moderate
Fund Objectives

The Fund complies with the limitations of Regulation 28 and offers diversified exposure to all the key local and international asset classes, with a smart SA equity core. The Fund tracks a composite index benchmark, with a long term strategic asset allocation, rebalanced on a bi-annual basis in March and September.

Investment Strategy

The investment objective of the portfolio is to provide investors with income and capital growth in the medium to long term by tracking the proprietary Satrix Balanced Index as closely as possible. The Manager shall seek to achieve this by investing in a combination of equities, bonds, inflation linked bonds, assets in liquid form (including money market instruments), listed property and international equities, fixed interest and listed property. The investment manager will also be allowed to invest in derivatives as allowed by the Act from time to time in order to achieve its objective. This combination of investments will enable the investment manager to track the performance of the Satrix Balanced Index as closely as possible. When investing in derivatives, the Manager will adhere to prevailing derivative regulations.

Performance

Return since inception: 7.05%

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Risk Profile: Conservative
Fund Objectives

Investment Strategy

The investment objective of the Satrix Bond Index Fund is to achieve a return which will equate to the annual return of the portfolio benchmark of the BEASSA All Bond Index. This will be a passively managed portfolio which will track the BEASSA All Bond Index as closely as possible. This portfolio will invest in assets in liquid form, and in high yielding non-equity securities and interest bearing securities including but not limited to public, parastatel, municipal and corporate bonds, inflation linked bonds, loan stock, debentures, fixed deposits and money market instruments. When investing in derivatives, the Manager will adhere to prevailing derivative regulations. The portfolio manager will invest in derivatives for cash flow management purposes, as this is more cost effective, and to enable the investment manager to achieve the objective of tracking the BEASSA All Bond Index more effectively.

Performance

Return since inception: 6.86%

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Risk Profile: Aggressive
Fund Objectives

Investment Strategy

The investment objective of the portfolio is to provide investors with income and capital growth in the medium to long term by tracking the FTSE/JSE Dividend+ Index (J259) as closely as possible. The Manager shall seek to achieve this by investing in shares listed on the JSE as well as assets in liquid form. The combination of shares will enable the investment manager to track the performance of the FTSE/JSE Dividend+ Index (J259). When investing in derivatives, the Manager will adhere to prevailing derivative regulations.

Performance

Return since inception: 4.89%

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Risk Profile: Aggressive
Fund Objectives

Investment Strategy

The investment objective of this index tracker portfolio will be to focus on capital growth and achieving a compound annual return which will equate to the total compound annual return of the FTSE/JSE Equally Weighted Top 40 Index (J110) as adjusted to take into account transactions and other costs, and to comply with statutory requirements. Income generation will not be an objective of this portfolio. The Manager shall seek to achieve this objective by investing in assets in liquid form and securities that will consist of a selection of financially sound ordinary shares, to be acquired at fair market price, as included in the FTSE/JSE Equally Weighted Top 40 Index at proportions so determined as to best replicate the performance of the FTSE/JSE Equally Weighted Top 40 Index. This portfolio will be fully invested in equities subject to statutory investment limitations.

Performance

Return since inception: -0.21%

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Risk Profile: Moderate
Fund Objectives

The Satrix Low Equity Balanced Index Fund complies with the limitations of regulation 28 and offers diversified exposure to all the key local and international asset classes. The Fund tracks a composite index benchmark, with a long term strategic asset allocation, rebalanced on a bi-annual basis.

Investment Strategy

The Fund's objective is to provide income and capital growth in the medium to long term by tracking the proprietary Satrix Low Equity Balanced Index as closely as possible. The Manager shall seek to achieve this by investing in a combination of equities, bonds, inflation linked bonds, assets in liquid form (including money market instruments), listed property and international equities, fixed interest and listed property. The portfolio may include derivatives, as well as collective investment schemes registered in South Africa or in territories with a regulatory environment to provide for investor protection which is at least equivalent to that in South Africa. This combination of investments will enable the fund to track the Satrix Low Equity Balanced Index as closely as possible. Nothing shall preclude the Manager from varying the proportions of securities in terms of changing economic factors or market conditions or from retaining cash in the portfolio and/or placing cash on deposit

Performance

Return since inception: 6.08%

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Risk Profile: Aggressive
Fund Objectives

The Satrix Momentum Index Fund is an equity only portfolio. To capture this investment style and its effect, Satrix has developed the proprietary Satrix Momentum Index. It aims to capture the return of the equity market enhanced by the momentum risk premium. This is achieved by constructing a portfolio tilted toward stocks (or equities) that display positive momentum characteristics and away from stocks showing negative momentum characteristics.

Investment Strategy

The investment objective of the portfolio is to provide investors with income and capital growth in the medium to long term by tracking the proprietary Satrix Momentum Index as closely as possible. Income will be of secondary importance. The Manager shall seek to achieve this by investing in shares listed on the JSE as well as assets in liquid form. The combination of shares will enable the investment manager to track the performance of the Satrix Momentum Index. When investing in derivatives, the Manager will adhere to prevailing derivative regulations. The Trustee shall ensure that the investment policy set out in the preceding clauses are adhered to, provided that nothing contained in this clause shall preclude the Manager from varying the proportions of securities in terms of changing economic factors or market conditions or from retaining cash in the portfolio and/or placing cash on deposit.

Performance

Return since inception: 7.62%

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Risk Profile: Aggressive
Fund Objectives

The objective of the Satrix Word Equity Index Feeder Fund is to provide an investment vehicle for investors wishing to track the movement of the MSCI World Equity Index (Developed Markets) by investing in securities of global companies which are primarily constituents of the MSCI World Equity Index (Developed Markets).

Investment Strategy

The objective of the Feeder Fund is to provide an investment vehicle for investors wishing to track the movement of the MSCI World Equity Index (Developed Markets) by investing in securities of global companies which are primarily constituents of said Index. The portfolio will apart from assets in liquid form, invest in participatory interests of the Sanlam World Equity Tracker Fund established under the Sanlam Universal Funds PLC approved by the Irish Regulator in August 2011.

Performance

Return since inception: 15.14%

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Risk Profile: Aggressive
Fund Objectives

The Satrix Property Index Fund is a specialist index tracking fund which tracks the performance of the FTSE/JSE SA Listed Property Index (J253). The fund is rebalanced quarterly.

Investment Strategy

The Satrix Property Index Fund is a specialist portfolio. In selecting securities for this portfolio, the investment manager shall seek an investment medium for investors which shall have as its main objective the provision of a total compounded annual return of capital and income which substantially matches the notional performance of the FTSE/JSE SA Listed Property Index (J253) as closely as possible, after taking into consideration all costs and regulatory compliance requirements. In order to achieve these objectives, the securities normally to be acquired in the Satrix Property Index Fund portfolio shall consist of those shares, at fair market prices, which substantially make up the FTSE/JSE SA Listed Property Index with due regard to the weightings defined therein. Other securities (derivatives) may be included from time to time to accounts for liquidity and index fluctuations.

Performance

Return since inception: 6.40%

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Risk Profile: Aggressive
Fund Objectives

Investment Strategy

The investment objective of the portfolio is to provide investors with income and capital growth in the medium to long term by tracking the S&P Quality South Africa Index as closely as possible. The manager shall seek to achieve this objective by investing in shares listed on the JSE as well as assets in liquid form. When investing in derivatives, the manager will adhere to prevailing derivative regulations.

Performance

Return since inception: 3.64%

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Risk Profile: Aggressive
Fund Objectives

Investment Strategy

The investment objective of the portfolio is to seek long term capital growth by investing in shares of the FTSE/JSE Rafi 40 Index (J260). Income will be of secondary importance. The Manager shall seek to achieve this objective by investing in shares listed on the JSE as well as assets in liquid form. The combination of shares will enable the investment manager to track the performance of the FTSE/JSE Rafi 40 Index (J260) as closely as possible. When investing in derivatives, the Manager will adhere to prevailing derivative regulations.

Performance

Return since inception: 3.81%

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Risk Profile: Aggressive
Fund Objectives

Investment Strategy

The investment objective of the portfolio is to seek long term capital growth by investing in shares of the FTSE/JSE Top 40 Index. Income will be of secondary importance. The Manager shall seek to achieve this objective by investing in shares listed on the JSE as well as assets in liquid form. The combination of shares will enable the investment manager to track the performance of the FTSE/JSE Top 40 Index (J200) as closely as possible. When investing in derivatives, the Manager will adhere to prevailing derivative regulations.

Performance

Return since inception: 4.70%

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Risk Profile: Moderate
Fund Objectives

The Portfolio's main objective is to generate a reasonable level of current income and capital growth for the investor. The portfolio will consist of a diversified spread of investments in securities and non-equity securities, in a manner which is similar to that usually employed by retirement.

Investment Strategy

The STANLIB Balanced Fund aims to achieve a reasonable level of current income and capital growth by investing in a diversified spread of equities and fixed income securities in a manner similar to retirement schemes. Investments would include listed shares and preference shares, including property shares and property loan stock, non-equity securities and participatory interests of other collective investment schemes. This portfolio may have a maximum of 15% direct and/or indirect foreign exposure.

Performance

Return since inception: 12.87%

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Risk Profile: Conservative
Fund Objectives

The Stanlib Global Balanced Cautious Fund seeks to achieve its investment objective by investing in a conservatively balanced and well-diversified portfolio of international equities, fixed interest securities including government and corporate bonds. Investments may also be made in regulated collective investment schemes, money market instruments, cash deposits and real property to provide further diversification. It also seeks to limit downside risk, through a prudent asset allocation strategy.

Investment Strategy

The primary objective is to adopt a conservative approach to investment from a diversified and actively managed portfolio of equities, property company shares, bonds and cash. This Class Fund’s benchmarks are the MSCI AC World Index (20%), the Barclays Capital Aggregate Bond Index (40%), the UBS Global Real Estate Investors Index (8%) and the JP Morgan Global Cash 1 Month Index (32%), rebalanced monthly.

Performance

Return since inception: 1.80%

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Risk Profile: Moderate
Fund Objectives

The aim of the bond fund is to provide Investors with the possibility of capital growth.

Investment Strategy

N/A

Performance

Return since inception: 3.28%

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Risk Profile: Conservative
Fund Objectives

The aim of the bond fund is to provide Investors with the possibility of capital growth.

Investment Strategy

N/A

Performance

Return since inception: -0.54%

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Risk Profile: Aggressive
Fund Objectives

Primary objective is to minimize the risk of permanently losing capital over out long-term time horizon, which is five years. By concentrating on not losing money, making money will take care of itself. We control risk by demanding a substantial margin of safety in terms of value over price and limit investments to companies that have sustainable competitive advantages that will allow them to earn superior cash returns on capital. We are also business operators and recognise that we are investing in real businesses that are run by real people and face real issues. We evaluate business risks, assess people, and scrutinize competitive strengths to consider long term investment. If we would not be comfortable owning an investment for five years it does not qualify. We are not traders or speculators. We do not buy pieces of paper or dicrete random variables. We are long term owners in a collection of superior business enterprises.

Investment Strategy

The investment objective of the Fund will be to achieve capital appreciation over the long term primarily by investing directly or indirectly in equity securities. Exposure to equity securities may be achieved by investing in collective investment schemes, including exchange traded funds.

Performance

Return since inception: 9.06%

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