Risk Profiles

At Beanstalk we guide you to an appropriate risk profile based on your age, reason for saving, product choice and term (the length of time you expect to be saving for).

We have classified all available funds on this website as either Aggressive (meaning it carries more risk but offers higher potential returns), Moderate (where we believe the fund strikes a balance between risk and security) and Conservative (meaning the risks are likely to be lower with that fund, but so are the possible returns).

Aggressive Risk Funds

Beanstalk's aggressive risk fund selection is best defined as funds we believe might offer you the best possible return on your money. These funds are however more volatile which means that they have a greater risk associated with them.

These figures reflect what R100,000 invested 10 years ago could have been worth today.

  Average Return p.a. Average Scenario Maximum Loss Worst Scenario
Allan Gray Equity Fund A 8.72% R238,513 -28.33% R71,672
Coronation Optimum Growth Fund P * 12.92% R361,329 -14.84% R85,162
Coronation Top 20 Fund P * 6.50% R191,146 -20.40% R79,597
Foord Equity Fund B2 * 2.58% R129,389 -33.58% R66,424
Foord Equity Fund B4 * 1.46% R115,712 -35.90% R64,103
Investec Equity Fund H 10.90% R295,894 -36.60% R63,401
Investec Equity Fund R 10.91% R296,217 -35.73% R64,272
Investec Property Equity Fund H 1.35% R114,420 -65.06% R34,937
Investec Value Fund H 5.77% R177,835 -36.69% R63,311
Investec Value Fund R 5.96% R181,181 -35.70% R64,299
Kagiso Islamic Equity Fund A 8.06% R223,362 -22.92% R77,076
Kagiso Islamic Equity Fund B * 6.22% R185,883 -22.84% R77,164
Marriott Dividend Growth Fund C * 4.64% R158,857 -16.73% R83,266
Nedgroup Investments Property Fund A1 0.81% R108,429 -65.62% R34,376
Nedgroup Investments Rainmaker Fund B2 * 3.11% R136,378 -33.93% R66,074
Nedgroup Investments Value Fund B2 * 2.14% R123,779 -32.16% R67,841
Old Mutual SA Quoted Property Fund B4 * -1.23% R88,454 -56.33% R43,674
Prescient Equity Defender Fund A2 * 5.54% R173,797 -8.14% R91,864
Prudential Dividend Maximiser Fund B 9.56% R259,090 -24.30% R75,704
Prudential Enhanced SA Property Tracker Fund D 2.18% R124,307 -63.59% R36,411
Prudential Equity Fund B 10.27% R277,959 -25.95% R74,055
PSG Equity Fund F * 3.95% R148,289 -42.76% R57,242
PSG Flexible Fund A 8.77% R239,712 -36.42% R63,578
Rezco Value Trend Fund C * 7.17% R204,399 -9.95% R90,050
Satrix Quality Index Fund B1 * 2.71% R131,040 -31.68% R68,323
Truffle SCI Flexible Fund C 12.87% R359,674 -9.92% R90,083
Average across all aggressive funds 5.92% R194,040 -32.54% R67,460
Average across Beanstalk-recommended aggressive funds 6.33% R200,124 -32.89% R67,110
Best Performer
Worst Performer

* Funds marked with an asterix do not yet have 10 year performance figures and so the performance figures available for the longest duration are shown. Data source: Morningstar

Back to top

Moderate Risk Funds

Beanstalk's moderate risk fund selection is best defined as those funds having a balance between the risk of losing money and the average long term gain that the fund has yielded.

These figures reflect what R100,000 invested 10 years ago could have been worth today.

  Average Return p.a. Average Scenario Maximum Loss Worst Scenario
27four Shari'ah Balanced Prescient Fund of Funds A1 * 5.23% R168,486 -10.26% R89,737
Allan Gray Balanced Fund A 9.23% R250,908 -16.45% R83,554
Allan Gray Tax-Free Balanced Fund C * 4.55% R157,452 -15.57% R84,428
Coronation Balanced Plus Fund P * 7.17% R204,440 -15.95% R84,047
Coronation Capital Plus Fund P * 5.89% R179,993 -12.76% R87,243
Foord Balanced Fund B2 * 6.49% R191,000 -11.30% R88,704
Foord Balanced Fund B4 * 6.06% R183,095 -11.45% R88,549
Foord Flexible Fund of Funds B2 * 8.86% R241,815 -12.80% R87,202
Foord Flexible Fund of Funds B4 * 5.81% R178,601 -13.44% R86,559
Investec Managed Fund R 11.18% R304,348 -23.38% R76,617
Investec Managed Fund E E 11.10% R302,029 -23.38% R76,617
Investec Opportunity Fund E 10.29% R278,690 -18.33% R81,667
Kagiso Balanced Fund B * 7.21% R205,187 -20.88% R79,120
Kagiso Islamic Balanced Fund A * 6.30% R187,467 -15.08% R84,917
Kagiso Islamic Balanced Fund B * 6.65% R194,154 -14.98% R85,017
Kagiso Protector Fund B * 7.29% R206,945 -18.42% R81,583
Marriott Dividend Growth Fund R 7.98% R221,429 -25.59% R74,412
Nedgroup Investments Managed Fund B2 * 6.98% R200,489 -16.06% R83,937
Nedgroup Investments Opportunity Fund B2 * 6.67% R194,394 -20.59% R79,413
Prescient Balanced Fund A2 * 5.71% R176,703 -14.61% R85,385
Prudential Balanced Fund B 10.08% R272,741 -22.23% R77,769
Prudential Inflation Plus Fund B 8.48% R232,716 -15.68% R84,318
PSG Balanced Fund E * 5.44% R172,063 -32.01% R67,994
Rezco Value Trend Fund T * 4.90% R163,096 -9.66% R90,344
STANLIB Balanced Fund B1 8.97% R244,400 -33.40% R66,596
Average across all moderate funds 7.38% R212,506 -17.77% R82,229
Average across Beanstalk-recommended moderate funds 7.73% R219,420 -18.81% R81,193
Best Performer
Worst Performer

* Funds marked with an asterix do not yet have 10 year performance figures and so the performance figures available for the longest duration are shown. Data source: Morningstar

Back to top

Conservative Risk Funds

Beanstalk's conservative risk selection includes those funds we believe are the safest to invest in relative to the moderate and aggressive fund selections. They will generally offer a better return than cash, but this will be lower than the returns that you may earn if you select either a moderate or aggressive fund. On the other hand, these funds are pretty safe and you shouldn't suffer major losses if you invest in them.

These figures reflect what R100,000 invested 10 years ago could have been worth today.

  Average Return p.a. Average Scenario Maximum Loss Worst Scenario
Allan Gray Bond Fund A 8.59% R235,305 -9.29% R90,710
Allan Gray Money Market Fund A 6.63% R193,774 0.00% R100,000
Allan Gray Optimal Fund A 5.19% R167,777 -8.97% R91,033
Allan Gray Stable Fund A 8.14% R224,994 -10.85% R89,146
Coronation Balanced Defensive Fund P * 7.23% R205,671 -10.36% R89,643
Coronation Strategic Income Fund P * 8.07% R223,566 -4.16% R95,843
Investec Cautious Managed Fund H 9.03% R245,837 -3.59% R96,407
Investec Diversified Income Fund H 8.07% R223,562 -1.85% R98,153
Investec High Income Fund H 7.60% R213,348 -1.59% R98,408
Investec Money Market Fund B 6.68% R194,661 0.00% R100,000
Kagiso Stable Fund B * 6.70% R195,044 -16.09% R83,905
Nedgroup Investments Flexible Income Fund B1 * 8.29% R228,539 -3.27% R96,729
Nedgroup Investments Stable Fund A2 * 7.43% R209,686 -6.24% R93,765
Old Mutual Real Income Fund B 7.83% R218,156 -5.64% R94,356
Prescient Income Provider Fund A2 8.76% R239,334 -2.84% R97,163
Prescient Positive Return QuantPlus Fund A2 5.40% R171,432 -10.04% R89,960
Prescient Yield QuantPlus Fund A2 7.06% R202,247 0.00% R100,000
Prudential Enhanced Income Fund D * 7.13% R203,548 -3.32% R96,685
SIM Active Income Fund B4 7.56% R212,543 -2.33% R97,668
SIM Inflation Plus Fund B4 9.15% R248,721 -7.58% R92,417
Average across all conservative funds 7.53% R212,887 -6.35% R93,646
Average across Beanstalk-recommended conservative funds 7.96% R221,547 -7.76% R92,240
Best Performer
Worst Performer

* Funds marked with an asterix do not yet have 10 year performance figures and so the performance figures available for the longest duration are shown. Data source: Morningstar

Back to top

Offshore Feeder Funds Funds

These figures reflect what R100,000 invested 10 years ago could have been worth today.

  Average Return p.a. Average Scenario Maximum Loss Worst Scenario
Allan Gray - Orbis Global Equity Feeder Fund A 17.60% R573,794 -30.36% R69,640
Allan Gray - Orbis Global Fund of Funds A 13.52% R383,445 -15.93% R84,075
Allan Gray - Orbis Global Optimal Fund of Funds A 7.89% R219,475 -16.10% R83,901
Catalyst Global Real Estate Prescient Feeder Fund B * 12.10% R333,309 -26.05% R73,947
Coronation Global Capital Plus [ZAR] Feeder Fund P * 9.16% R249,136 -18.93% R81,071
Coronation Global Emerging Markets Flexible [ZAR] Fund P * 10.59% R286,975 -22.06% R77,945
Coronation Global Managed [ZAR] Feeder Fund P * 11.16% R303,734 -17.52% R82,481
Coronation Global Opportunities Equity [ZAR] Feeder Fund P * 13.76% R392,901 -18.61% R81,394
Foord International Feeder Fund B2 * 9.67% R261,901 -17.35% R82,649
Investec Global Franchise Feeder Fund H 17.96% R594,649 -44.84% R55,156
Investec Global Multi Asset Income Feeder Fund H * 6.62% R193,562 -15.51% R84,495
Investec Global Strategic Managed Feeder Fund H 14.37% R417,064 -28.27% R71,734
Investec Worldwide Equity Feeder Fund H 15.62% R471,946 -46.04% R53,959
Investec Worldwide Flexible Fund E * 3.88% R147,243 -15.93% R84,071
Nedgroup Investments Global Cautious Feeder Fund B2 * 4.32% R153,871 -19.86% R80,139
Nedgroup Investments Global Equity Feeder Fund B2 * 15.96% R488,072 -17.71% R82,289
Nedgroup Investments Global Flexible Feeder Fund B2 * 12.07% R332,367 -16.31% R83,691
Old Mutual Global Equity Fund B1 * 14.61% R427,211 -19.52% R80,475
Average across all offshore feeder funds funds 11.71% R346,148 -22.60% R77,395
Best Performer
Worst Performer

* Funds marked with an asterix do not yet have 10 year performance figures and so the performance figures available for the longest duration are shown. Data source: Morningstar

Back to top

Offshore Funds

These figures reflect what 100,000 of the fund's currency invested 10 years ago could have been worth today in the same currency. This does not consider exchange rate fluctuations which may have positively or negatively influenced the returns of these funds.

  Average Return p.a. Average Scenario Maximum Loss Worst Scenario
Allan Gray Australia Equity Fund (AUD) (inc) * n/a n/a -34.82% A$65,184
Allan Gray Australia Stable Fund (AUD) (inc) * n/a n/a -7.29% A$92,713
Ashburton Replica Dollar Asset Management Fund (USD) R(acc) 2.86% US$133,122 -43.73% US$56,270
Ashburton Replica Dollar Asset Management Fund (USD) D(acc) * 2.91% US$133,741 -9.55% US$90,451
Ashburton Replica Euro Asset Management Fund (EUR) R(acc) 2.30% €125,870 -18.23% €81,775
Ashburton Replica Euro Asset Management Fund (EUR) D * 2.08% €123,039 -10.71% €89,286
Ashburton Replica Sterling Asset Management Fund (GBP) R(acc) 2.88% £133,358 -15.28% £84,716
Ashburton Replica Sterling Asset Management Fund (GBP) I(acc) * 2.72% £131,262 -9.34% £90,656
Catalyst Global Real Estate UCITS Fund A(acc) 6.23% US$186,181 -24.35% US$75,654
Coronation Global Capital Plus Fund P GBP Hedged Acc P(acc) * 3.07% £135,928 -10.61% £89,390
Coronation Global Capital Plus Fund P USD Hedged Acc P(acc) * 4.69% US$159,757 -9.56% US$90,436
Coronation Global Emerging Markets Fund B(acc) * 4.62% US$158,524 -40.03% US$59,974
Coronation Global Equity Select Fund P(acc) * 10.78% US$292,605 -23.89% US$76,107
Coronation Global Managed Fund (USD) P(acc) * 4.93% US$163,534 -16.80% US$83,199
Coronation Global Opportunities Equity Fund P USD Acc P(acc) * 7.43% US$209,678 -30.55% US$69,452
Coronation Global Strategic Income Fund (USD) A * 1.65% US$117,972 -4.49% US$95,509
Coronation Global Strategic USD Income Fund (USD) P * 1.95% US$121,556 -4.42% US$95,580
Dodge & Cox Worldwide Global Stock Fund (USD) (acc) 8.56% US$234,619 -31.11% US$68,893
Fidelity Funds Emerging Markets Fund (USD) Y(acc) 6.72% US$195,528 -27.18% US$72,817
Fidelity Funds European Growth Fund (EUR) Y(acc) 6.05% €182,794 -24.70% €75,299
Fidelity Funds World Fund (USD) Y(acc) * 11.80% US$323,599 -19.81% US$80,186
Foord Global Equity Fund B1 * 10.29% US$278,527 -20.21% US$79,792
Foord International Fund R1 * 5.18% US$167,606 -13.31% US$86,691
FTIF Templeton Global Balanced Fund (USD) W(acc) 5.09% US$166,137 -44.21% US$55,790
GinsGlobal Global Bond Index Fund (acc) 0.87% US$109,097 -14.01% US$85,987
GinsGlobal Global Equity Index Fund (acc) 8.26% US$227,807 -57.54% US$42,455
Investec Global Franchise Fund (USD) I(acc) 11.40% US$311,134 -14.24% US$85,758
Investec Global Multi-Asset Income Fund (USD) I(acc) * 4.35% US$154,427 -7.38% US$92,622
Investec Global Strategic Equity Fund (USD) I(acc) 9.74% US$263,815 -60.10% US$39,896
Investec Global Strategic Managed Fund (USD) I(acc) 6.72% US$195,472 -45.12% US$54,878
Investec Sterling Money Fund (GBP) A(acc) 0.08% £100,775 -0.28% £99,722
M&G Recovery Fund (GBP) I(acc) 2.11% £123,481 -42.92% £57,079
Marriott International Real Estate Fund (USD) A(acc) 4.48% US$156,316 -30.79% US$69,208
Naviga BCI Balanced Growth Fund of Funds C * 5.98% US$181,582 -20.17% US$79,829
Nedgroup Investments Core Global Fund (USD) C * 9.64% US$261,115 -15.96% US$84,043
Nedgroup Investments Global Cautious Fund (USD) A 2.48% US$128,091 -7.27% US$92,726
Nedgroup Investments Global Cautious Fund (USD) C * 3.32% US$139,346 -6.19% US$93,810
Nedgroup Investments Global Equity Fund (USD) A 9.80% US$265,369 -18.10% US$81,899
Nedgroup Investments Global Equity Fund (USD) C * 9.66% US$261,693 -18.03% US$81,970
Nedgroup Investments Global Flexible Fund (USD) A(acc) 5.76% US$177,596 -20.27% US$79,728
Nedgroup Investments Global Property Fund (USD) C * 5.99% US$181,741 -21.69% US$78,313
Orbis SICAV Emerging Markets Equity Fund (USD) (inc) 5.09% US$166,182 -33.31% US$66,689
Orbis SICAV Japan Equity Fund (EUR) (inc) 9.84% €266,352 -51.57% €48,428
Orbis SICAV Japan Equity Fund (JPY) (inc) 10.69% ¥289,952 -52.07% ¥47,933
PineBridge Global Dynamic Asset Allocation Fund (USD) Y 4.53% US$157,242 -33.94% US$66,063
Sarasin IE GlobalSar - Dynamic (GBP) P(acc) * 7.94% £220,597 -10.55% £89,446
Sarasin IE GlobalSar - Dynamic (USD) P(acc) * 7.04% US$201,815 -11.66% US$88,339
STANLIB Global Balanced Cautious Fund (USD) (acc) * 4.12% US$150,838 -9.48% US$90,523
STANLIB Global Bond Fund (USD) B1(acc) * 5.73% US$177,153 -11.50% US$88,504
Vulcan Value Equity Fund (USD) II(acc) * 10.35% US$280,156 -28.25% US$71,745
Average across all offshore funds 5.85% -22.73%
Best Performer
Worst Performer

* Funds marked with an asterix do not yet have 10 year performance figures and so the performance figures available for the longest duration are shown. Data source: Morningstar

Back to top

Passive Funds

These figures reflect what R100,000 invested 10 years ago could have been worth today.

  Average Return p.a. Average Scenario Maximum Loss Worst Scenario
Nedgroup Investments Core Accelerated Fund B2 * 0.88% R109,190 -19.67% R80,332
Nedgroup Investments Core Diversified Fund B 9.50% R257,629 -15.36% R84,639
Nedgroup Investments Core Diversified Fund B2 * 4.94% R163,686 -15.34% R84,658
Nedgroup Investments Core Guarded Fund B2 * 6.17% R185,098 -9.12% R90,875
Satrix ALSI Index Fund B2 * 4.49% R156,470 -22.10% R77,900
Satrix Alsi Index Fund B1 * 4.49% R156,465 -22.10% R77,900
Satrix Balanced Index Fund B1 * 7.07% R202,362 -17.12% R82,877
Satrix Bond Index Fund B1 * 8.07% R223,613 -10.13% R89,868
Satrix Dividend Plus Index Fund B1 * 8.18% R225,968 -34.43% R65,573
Satrix Equally Weighted Top 40 Index Fund B1 * 0.52% R105,290 -31.98% R68,019
Satrix Low Equity Balanced Index Fund B1 * 5.28% R169,337 -10.22% R89,780
Satrix Momentum Index Fund B1 * 7.06% R202,213 -29.44% R70,563
Satrix Property Index Fund B1 * -11.41% R31,775 -62.77% R37,231
Satrix Rafi 40 Index Fund B1 * 5.41% R171,623 -30.89% R69,105
Satrix Top 40 Index Fund B1 * 6.59% R192,968 -20.27% R79,730
Average across all passive funds 4.48% R170,246 -23.40% R76,603
Best Performer
Worst Performer

* Funds marked with an asterix do not yet have 10 year performance figures and so the performance figures available for the longest duration are shown. Data source: Morningstar

Back to top

What's on this page?

Understanding risk profiles

How do we categorise funds into risk profiles?

We have done all the homework for you and selected top performing unit trusts for different savings and investment needs. For a more comprehensive breakdown of how we pick funds, please visit our how we work page.

In summary, every fund selected for the Beanstalk site has been extensively researched and assigned a risk score based on numerous fund metrics - not just those shown on this page. This risk score determines which risk category the fund gets assigned to.

Glossary

Average Return Scenario

The average return scenario simply reflects what R100,000 invested at the start of the ten year period would be worth today, and is based on the average annual return percentage.

Worst Scenario

The worst scenario figures reflect the value of a R100,000 investment made at the peak of the maximum drawdown period and sold at the bottom of it. In other words, if you happened to have invested over the exact period when the fund lost the most money in the past 10 years, this worst scenario figure is what you would have been left with.