Unit Trusts and Retirement Annuities 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 which allows you to choose to invest in multiple funds including funds not managed by Allan Gray. 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.

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Allan Gray

Allan Gray Stable Fund A

Risk Profile: Conservative
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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.

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Allan Gray Equity Fund A

Risk Profile: Aggressive
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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.

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Allan Gray - Orbis Global Optimal Fund of Funds

Risk Profile: Offshore
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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).

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Allan Gray Balanced Fund A

Risk Profile: Moderate
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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.

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Allan Gray Bond Fund A

Risk Profile: Conservative
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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.

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Allan Gray - Orbis Global Equity Feeder Fund

Risk Profile: Offshore
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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.

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Allan Gray Money Market Fund

Risk Profile: Conservative
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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.

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Allan Gray - Orbis Global Fund of Funds

Risk Profile: Offshore
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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.

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Allan Gray Optimal Fund A

Risk Profile: Conservative
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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.

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Coronation

Coronation Balanced Defensive Fund A

Risk Profile: Conservative
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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%.

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Coronation Balanced Plus Fund A

Risk Profile: Moderate
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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.

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Coronation Global Managed [ZAR] Feeder Fund A

Risk Profile: Moderate
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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.

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Coronation Balanced Defensive Fund P

Risk Profile: Conservative
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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%.

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Coronation Optimum Growth Fund A

Risk Profile: Moderate
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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.

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Coronation Balanced Plus Fund P

Risk Profile: Moderate
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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.

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Coronation Global Managed [ZAR] Feeder Fund P

Risk Profile: Moderate
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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.

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Coronation Global Emerging Markets Flexible [ZAR] Fund A

Risk Profile: Aggressive
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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.

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Coronation Top 20 Fund A

Risk Profile: Aggressive
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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.

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Coronation Capital Plus Fund

Risk Profile: Moderate
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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.

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Coronation Global Capital Plus [ZAR] Feeder Fund A

Risk Profile: Moderate
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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.

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Coronation Global Opportunities Equity [ZAR] Feeder Fund A

Risk Profile: Aggressive
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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.

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Coronation Strategic Income Fund

Risk Profile: Conservative
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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.

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Foord

Foord Equity Fund B2

Risk Profile: Aggressive
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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.

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Foord Balanced Fund B2

Risk Profile: Moderate
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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.

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Foord International Feeder Fund B2

Risk Profile: Not Specified
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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.

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Foord Balanced Fund R

Risk Profile: Moderate
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Fund Objectives

The 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.

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Foord Flexible Fund of Funds B2

Risk Profile: Moderate
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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.

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Prudential

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Nedgroup Investments

Nedgroup Investments Stable Fund A2

Risk Profile: Not Specified
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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.

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Nedgroup Investments Core Diversified Fund B

Risk Profile: Not Specified
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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.

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Nedgroup Investments Core Guarded Fund B

Risk Profile: Not Specified
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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.

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Nedgroup Investments Global Flexible Feeder Fund B2

Risk Profile: Aggressive
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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.

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Nedgroup Investments Global Equity Feeder Fund B2

Risk Profile: Aggressive
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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.

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Nedgroup Investments Stable Fund C

Risk Profile: Not Specified
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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.

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Nedgroup Investments Flexible Income Fund A2

Risk Profile: Not Specified
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Fund Objectives

The Fund aims to maximise income and identify opportunistic capital gains by actively repositioning the Portfolio across a dynamic mix of cash, bonds and other fixed interest securities.

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.

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Nedgroup Investments Global Equity Feeder Fund A

Risk Profile: Aggressive
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Fund Objectives

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

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.

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Investec

Investec Global Strategic Managed Feeder Fund H

Risk Profile: Not Specified
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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 objective of the fund is to provide a long-term return to investors in excess of that obtainable from holding bank deposits at a relatively low risk profile. The portfolio is a feeder fund which invests in the Financial Services Board approved, Investec GSF Global Balanced Fund under the Investec Global Strategy Fund Limited umbrella scheme domiciled in Guernsey.

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Investec Managed Fund H

Risk Profile: Moderate
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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

To achieve long term capital growth by investing in a spread of equities, gilts and cash. The Fund complies with Regulation 28 of the Pension Funds Act and is therefore suitable for Pension and Provident Funds

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Investec Cautious Managed Fund H

Risk Profile: Conservative
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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 the 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.

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Investec Diversified Income Fund H

Risk Profile: Conservative
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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 is a fixed interest portfolio. The investment objective of the fund is to provide investors with a high level of income while seeking opportunities to maximise capital growth. Investable universe: Local and international government bonds, corporate bonds, preference shares, listed property shares, property related securities, cash (assets in liquid form as allowed by the Act), participatory interests and other securities that offer a high return of income. The manager will be permitted to invest in offshore investments as legislation permits. The portfolio will achieve this objective by investing in a diversified range of fixed income instruments. The portfolio will achieve this objective by investing in a diversified range of fixed income instruments as specified above. Majority of the time, the Investec Diversified Income Fund will have a property allocation of more than 5% and equal to or less than 25%.

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Investec Value Fund H

Risk Profile: Aggressive
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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 fund aims to achieve capital growth through investment in the equity market.

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Investec Equity Fund H

Risk Profile: Aggressive
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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

To achieve long term capital growth through exposure to the South African equity market

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Investec Equity Fund A

Risk Profile: Aggressive
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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 FTSE/JSE All Share Index, measured over three-year periods.

Investment Strategy

To achieve long term capital growth through exposure to the South African equity market

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Investec Opportunity Fund E

Risk Profile: Moderate
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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% 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 foreign exposure is currently limited to 25%. The allocation of assets is actively managed with a bias towards equities that are attractively priced given their inherent value.

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Investec Opportunity Fund H

Risk Profile: Moderate
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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% pa 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% 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 foreign exposure is currently limited to 25%. The allocation of assets is actively managed with a bias towards equities that are attractively priced given their inherent value.

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Investec Opportunity Fund A

Risk Profile: Moderate
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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.

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% 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 foreign exposure is currently limited to 25%. The allocation of assets is actively managed with a bias towards equities that are attractively priced given their inherent value.

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Investec Property Equity Fund H

Risk Profile: Aggressive
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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 fund aims to grow income and capital. The fund targets returns in excess of the benchmark, the SA Listed Property Index, measured over three year periods. The fund maintains an exclusive focus on income generating South African listed property stocks, specifically Property Unit Trusts (PUTs) and Property Loan Stocks (PLSs). The focus is on sourcing lines of stock at attractive prices and identifying value opportunities relative to the sector in order to achieve outperformance.

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RE:CM

RECM Global Flexible Fund E

Risk Profile: Not Specified
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Fund Objectives

To generate returns greater than inflation over the long term with lower than average risk for investors.

Investment Strategy

The primary objective of the portfolio is to seek above average returns with below average risk for investors. The portfolio is a worldwide asset allocation flexible portfolio with specific focus on generating returns in excess of inflation. The portfolio will invest in a flexible combination of securities in the equity, bond, money and property markets. The portfolio will be managed with assets being shifted between various investment markets to reflect the changing economic and market conditions, in order to maximise returns for investors.

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27four

Prescient RECM Global Feeder Fund D

Risk Profile: Not Specified
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Fund Objectives

The Prescient RECM Global Feeder Fund is a Rand denominated fund that provides local investors with access to the RECM Global Fund. The RECM Global Fund is a US dollar denominated global fund that may invest in a wide array of assets without any restrictions. The Fund's aim is to generate returns significantly greater than US inflation and commensurate with equities over the long term. The Fund invests mainly in large global companies at a significant discount to intrinsic value, while using the flexibility of the mandate to protect capital and enhance returns by investing in other mispriced global assets from time to time. We consider risk as the possibility of losing money, not in terms of volatility. Our main risk management tool is our investment philosophy. As value investors, we aim to buy and hold good quality companies and do so with a margin of safety. Our ability to move between asset classes assists in reducing the risk in the fund.

Investment Strategy

The fund aims to achieve long-term capital appreciation. It will apart from assets in liquid form consist solely of participatory interest in the approved RECM Global Fund under the RECM Global Fund Limited domiciled in Guernsey. The underlying fund will seek to achieve its objective primarily though investing in securities listed on Recognized Exchanges around the world. These assets will primarily consist of listed equity investments. The underlying fund is permitted to invest in listed and unlisted financial instruments for the exclusive purpose of hedging exchange risks. Nothing shall preclude the manager from varying the ratios of asset allocation and securities, to maximize absolute return and investment potential in changing economic environments or market conditions and from retaining cash or placing cash on deposit. The manager shall reserve the right to close the portfolio to new investors, in order to be able to manage the portfolio in accordance with its mandate.

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27four Shari'ah Balanced Prescient Fund of Funds A1

Risk Profile: Not Specified
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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.

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36ONE

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Atlantic

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Kagiso Islamic

Kagiso Islamic Balanced Fund

Risk Profile: Not Specified
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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.

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Kagiso Islamic Equity Fund

Risk Profile: Not Specified
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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.

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Marriott

Marriott Dividend Growth Fund R

Risk Profile: Not Specified
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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.

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Sanlam

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Stanlib

STANLIB Balanced Fund A

Risk Profile: Not Specified
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Fund Objectives

The Fund aims to achieve a reasonable level of current income and capital growth by investing in a diversified spread of equity and fixed income securities in a manner similar to retirement schemes.

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.

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Rezco

Rezco Value Trend Fund C

Risk Profile: Not Specified
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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.

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