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 13.59% R386,295.13 -24.63% R75,366.3
Coronation Optimum Growth Fund P * 10.98% R298,349.75 -14.84% R85,162.2
Coronation Top 20 Fund P * 11.20% R304,797.88 -19.18% R80,815.4
Foord Equity Fund B2 * 8.83% R241,033.84 -19.51% R80,490
Foord Equity Fund B4 * 1.80% R119,715.15 -20.77% R79,226.4
Investec Equity Fund H 14.15% R408,267.35 -36.60% R63,401.1
Investec Equity Fund R 13.68% R389,543.89 -35.73% R64,271.6
Investec Property Equity Fund H 12.30% R340,085.22 -24.10% R75,898.4
Investec Value Fund H 11.37% R309,980.79 -36.69% R63,310.5
Investec Value Fund R 10.92% R296,448.87 -35.70% R64,299.3
Kagiso Islamic Equity Fund A * 9.26% R251,558.4 -14.14% R85,857
Kagiso Islamic Equity Fund B * 5.73% R177,100.42 -13.90% R86,104.6
Marriott Dividend Growth Fund C * 7.05% R202,019.82 -8.17% R91,834.9
Nedgroup Investments Property Fund A1 * 6.67% R194,386.02 -29.28% R70,720.8
Nedgroup Investments Rainmaker Fund B2 * 5.39% R171,191.72 -15.56% R84,439.5
Nedgroup Investments Value Fund B2 * 4.05% R149,845.97 -10.55% R89,454.5
Old Mutual SA Quoted Property Fund B4 * 6.98% R200,499.14 -18.29% R81,705.1
Prescient Equity Defender Fund A2 * 5.54% R173,796.55 -8.14% R91,864
Prudential Dividend Maximiser Fund B 13.99% R401,881.43 -13.31% R86,694.2
Prudential Enhanced SA Property Tracker Fund D * 9.27% R251,738.2 -25.29% R74,711.2
Prudential Equity Fund B 14.62% R427,663.15 -12.26% R87,745
PSG Equity Fund F * 6.15% R184,634.97 -19.31% R80,689.1
PSG Flexible Fund A 15.59% R470,596.82 -21.78% R78,216.1
Rezco Managed Plus Fund C * 6.45% R190,190.31 -9.56% R90,445
Rezco Value Trend Fund C * 6.33% R188,045.8 -9.95% R90,050.1
Satrix Quality Index Fund B1 * 7.54% R212,064.56 -13.07% R86,930
Truffle SCI Flexible Fund C * 11.75% R321,940.17 -7.77% R92,227.7
Average across all aggressive funds 9.30% R269,024.86 -19.19% R80,812.22
Average across Beanstalk-recommended aggressive funds 10.37% R297,016.14 -23.86% R76,141.85
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

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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 * 7.31% R207,158.77 -6.20% R93,799.8
Allan Gray Balanced Fund A 11.91% R327,253.25 -10.21% R89,794.5
Allan Gray Tax-Free Balanced Fund C * 7.81% R217,727.06 -9.11% R90,891.8
Coronation Balanced Plus Fund P * 11.03% R299,941.56 -9.12% R90,879.5
Coronation Capital Plus Fund P * 5.82% R178,700.93 -6.47% R93,532.3
Foord Balanced Fund B2 * 9.48% R257,145.9 -11.30% R88,703.5
Foord Balanced Fund B4 * 5.13% R166,898.43 -11.45% R88,548.8
Foord Flexible Fund of Funds B2 * 12.38% R342,758.36 -12.80% R87,201.7
Foord Flexible Fund of Funds B4 * 2.52% R128,670.54 -13.44% R86,559
Investec Managed Fund H 12.19% R336,298.95 -23.27% R76,728.9
Investec Managed Fund R 12.35% R341,694.73 -23.38% R76,617.4
Investec Opportunity Fund E 12.20% R336,502.09 -18.33% R81,667.3
Kagiso Balanced Fund B * 7.47% R210,621.66 -7.84% R92,157.9
Kagiso Islamic Balanced Fund A * 8.12% R224,663.59 -7.49% R92,505.3
Kagiso Islamic Balanced Fund B * 5.78% R178,028.18 -7.18% R92,820.5
Kagiso Protector Fund B * 7.57% R212,752.68 -7.34% R92,663.8
Marriott Dividend Growth Fund R 14.06% R404,775.75 -25.59% R74,412.2
Nedgroup Investments Managed Fund B2 * -3.30% R71,882.04 -5.09% R94,912.3
Nedgroup Investments Opportunity Fund B2 * 7.52% R211,536.25 -9.37% R90,632.2
Prescient Balanced Fund A2 * 5.94% R180,773.91 -7.73% R92,273
Prudential Balanced Fund B 13.73% R391,544.06 -22.23% R77,769
Prudential Inflation Plus Fund B 11.28% R307,284.12 -8.29% R91,705.1
PSG Balanced Fund E * 7.39% R208,932.93 -7.67% R92,334
Rezco Value Trend Fund T * 3.96% R148,457.53 -9.66% R90,344
STANLIB Balanced Fund B1 11.55% R315,616.64 -33.40% R66,595.5
Average across all moderate funds 8.45% R248,304.8 -12.56% R87,441.97
Average across Beanstalk-recommended moderate funds 10.03% R275,630.62 -11.60% R88,396.08
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

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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 9.13% R248,336.32 -6.17% R93,830.4
Allan Gray Money Market Fund A 6.78% R196,535.76 0.00% R100,000
Allan Gray Optimal Fund A 6.57% R192,573.45 -4.66% R95,344.6
Allan Gray Stable Fund A 9.07% R246,785.97 -5.68% R94,324.6
Coronation Balanced Defensive Fund P * 7.52% R211,563.58 -3.79% R96,206.2
Coronation Strategic Income Fund P * 8.79% R240,052.41 -0.58% R99,416.9
Foord Conservative Fund B2 * 6.67% R194,401.49 -7.04% R92,963.5
Investec Cautious Managed Fund H 9.71% R262,971.2 -3.43% R96,569.5
Investec Diversified Income Fund H 8.89% R242,384.69 -1.85% R98,152.9
Investec High Income Fund H 7.89% R219,647.68 -1.59% R98,407.6
Investec Money Market Fund B 6.88% R198,525.41 0.00% R100,000
Kagiso Stable Fund B * 8.40% R230,913.97 -6.38% R93,621.2
Nedgroup Investments Flexible Income Fund B1 * 8.40% R230,943.78 -0.82% R99,181.7
Nedgroup Investments Stable Fund A2 * 8.65% R236,778.96 -6.24% R93,764.7
Old Mutual Real Income Fund B 9.46% R256,496.13 -1.57% R98,428.3
Prescient Income Provider Fund A2 8.99% R244,822.04 -0.46% R99,538.6
Prescient Positive Return QuantPlus Fund A2 6.50% R191,258.32 -2.48% R97,518.8
Prescient Yield QuantPlus Fund A2 7.19% R204,804.23 0.00% R100,000
Prudential Enhanced Income Fund D * 8.03% R222,584.47 -2.07% R97,928.5
SIM Active Income Fund B4 7.64% R214,239.85 -4.27% R95,725.2
SIM Inflation Plus Fund B4 10.20% R276,170.45 -3.81% R96,185.9
Average across all conservative funds 8.16% R226,799.53 -3.49% R96,506.06
Average across Beanstalk-recommended conservative funds 8.74% R239,524.93 -4.78% R95,216.25
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

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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 15.77% R479,009.4 -17.61% R82,392.2
Allan Gray - Orbis Global Fund of Funds A 11.18% R304,248.77 -15.93% R84,074.7
Allan Gray - Orbis Global Optimal Fund of Funds A * 9.29% R252,240.82 -15.33% R84,668.2
Catalyst Global Real Estate Prescient Feeder Fund B * 16.00% R490,084.42 -26.05% R73,947.4
Coronation Global Capital Plus [ZAR] Feeder Fund P(acc) * 2.13% US$123,738.57 -9.40% US$90,599.5
Coronation Global Capital Plus [ZAR] Feeder Fund P * 8.18% R226,067.09 -18.93% R81,070.6
Coronation Global Emerging Markets Flexible [ZAR] Fund P * 7.87% R219,015.76 -22.06% R77,944.8
Coronation Global Managed [ZAR] Feeder Fund P * 9.34% R253,618.7 -17.52% R82,481
Coronation Global Opportunities Equity [ZAR] Feeder Fund P * 13.27% R374,276.72 -18.61% R81,393.9
Foord International Feeder Fund B2 * 13.48% R382,195.42 -17.35% R82,649.1
Investec Global Franchise Feeder Fund H 15.68% R475,007.3 -31.85% R68,153
Investec Global Multi Asset Income Feeder Fund H * 3.12% R136,569.7 -18.16% R81,841.9
Investec Global Strategic Managed Feeder Fund H 12.70% R353,737.88 -28.27% R71,733.9
Investec Worldwide Equity Feeder Fund H 14.66% R429,437.13 -35.15% R64,849.9
Investec Worldwide Flexible Fund E * 1.24% R113,160.42 -15.93% R84,071
Nedgroup Investments Global Cautious Feeder Fund B2 * 5.69% R176,495.12 -19.86% R80,139.2
Nedgroup Investments Global Equity Feeder Fund B2 * 13.09% R367,551.91 -17.71% R82,288.8
Nedgroup Investments Global Flexible Feeder Fund B2 * 11.12% R302,631.29 -16.31% R83,690.7
Old Mutual Global Equity Fund B1 * 13.80% R394,352.85 -19.52% R80,475.1
Average across all offshore feeder funds funds 10.40% R308,075.75 -20.08% R79,919.21
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

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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 Africa ex-SA Equity Fund (USD) A * 1.71% US$118,684.4 -53.03% US$46,966.2
Allan Gray Australia Equity Fund (AUD) (inc) * n/a n/a -17.53% A$82,470.8
Allan Gray Australia Stable Fund (AUD) (inc) * n/a n/a -3.38% A$96,619.1
Ashburton Replica Dollar Asset Management Fund (USD) R(acc) 3.91% US$147,694.48 -43.73% US$56,269.6
Ashburton Replica Dollar Asset Management Fund (USD) D(acc) * 1.84% US$120,237.46 -7.86% US$92,140.5
Ashburton Replica Euro Asset Management Fund (EUR) R(acc) 3.74% €145,199.7 -18.23% €81,774.5
Ashburton Replica Euro Asset Management Fund (EUR) D * 1.58% €117,078.72 -9.15% €90,854.5
Ashburton Replica Sterling Asset Management Fund (GBP) R(acc) 3.95% £148,284.51 -15.28% £84,716
Ashburton Replica Sterling Asset Management Fund (GBP) I(acc) * 0.63% £106,492.41 -6.33% £93,667.5
Catalyst Global Real Estate UCITS Fund A(acc) 12.12% US$334,138.57 -18.60% US$81,402.7
Coronation Global Capital Plus Fund (GBP hedged) G(acc) * 3.86% £147,004.17 -8.62% £91,376.5
Coronation Global Capital Plus Fund (USD hedged) F(acc) * 4.39% US$155,008.31 -7.63% US$92,365.8
Coronation Global Emerging Markets Fund B(acc) * 3.95% US$148,401.32 -40.03% US$59,974.1
Coronation Global Equity Select Fund P(acc) * 3.82% US$146,483.43 -23.89% US$76,107
Coronation Global Managed Fund (USD) A(acc) * 5.57% US$174,260.79 -17.41% US$82,594.4
Coronation Global Opportunities Equity Fund (USD) A 10.67% US$289,159.56 -18.70% US$81,303.6
Coronation Global Strategic Income Fund (USD) A * 2.09% US$123,228.25 -1.19% US$98,810.2
Coronation Global Strategic USD Income Fund (USD) P * 1.74% US$119,003.63 -1.01% US$98,990
Dodge & Cox Worldwide Global Stock Fund (USD) (acc) 12.56% US$348,698.34 -24.33% US$75,673.5
Fidelity Funds Emerging Markets Fund (USD) Y(acc) 10.47% US$283,708.21 -27.18% US$72,816.7
Fidelity Funds European Growth Fund (EUR) Y(acc) 10.39% €281,467.01 -22.85% €77,150.8
Fidelity Funds World Fund (USD) Y(acc) * 7.78% US$217,206.34 -15.49% US$84,506.1
Foord Global Equity Fund B1 * 4.01% US$149,245.32 -20.21% US$79,791.5
Foord International Fund R1 * 2.71% US$131,024.68 -13.31% US$86,691.2
FTIF Franklin US Opportunities Fund (USD) W(acc) 15.17% US$451,396.24 -51.00% US$49,002.5
FTIF Templeton Asian Growth Fund (USD) W 9.34% US$253,472.78 -67.57% US$32,428.8
FTIF Templeton Global Balanced Fund (USD) W(acc) 7.18% US$204,547.88 -44.21% US$55,789.5
GinsGlobal Global Bond Index Fund (acc) 0.92% US$109,618.38 -14.01% US$85,986.6
GinsGlobal Global Equity Index Fund (acc) 10.00% US$270,784.7 -57.54% US$42,455.1
Investec Global Franchise Fund (USD) I(acc) 13.56% US$385,307.09 -10.12% US$89,879.7
Investec Global Multi-Asset Income Fund (USD) I(acc) * 4.27% US$153,072.87 -3.49% US$96,512.2
Investec Global Strategic Equity Fund (USD) I(acc) 12.37% US$342,195.65 -60.10% US$39,896.1
Investec Global Strategic Managed Fund (USD) I(acc) 8.82% US$240,742.1 -45.12% US$54,877.7
Investec Sterling Money Fund (GBP) A(acc) 0.13% £101,285.12 -0.24% £99,763.3
M&G Recovery Fund (GBP) I(acc) 8.57% £234,922 -36.85% £63,148.9
Marriott International Real Estate Fund (USD) A(acc) 9.61% US$260,548.5 -18.43% US$81,574.3
Naviga BCI Balanced Growth Fund of Funds C * 5.32% US$170,024.85 -10.82% US$89,184.7
Nedgroup Investments Core Global Fund (USD) C * 7.43% US$209,721.41 -10.46% US$89,540.5
Nedgroup Investments Global Cautious Fund (USD) A 3.13% US$136,740.07 -7.27% US$92,726.1
Nedgroup Investments Global Cautious Fund (USD) C * 2.69% US$130,888.79 -5.90% US$94,099.3
Nedgroup Investments Global Equity Fund (USD) A 10.57% US$286,429.54 -14.48% US$85,517.1
Nedgroup Investments Global Equity Fund (USD) C * 7.00% US$200,904.21 -12.08% US$87,918.4
Nedgroup Investments Global Flexible Fund (USD) A(acc) 7.56% US$212,387.23 -12.81% US$87,186.5
Nedgroup Investments Global Property Fund (USD) C * 6.59% US$192,995.26 -8.35% US$91,654.4
Orbis Global Equity Fund (USD) (inc) 10.65% US$288,624.09 -49.76% US$50,238.6
Orbis Optimal SA Fund (EUR) (inc) 1.04% €110,993.86 -15.20% €84,800.5
Orbis Optimal SA Fund (USD) (inc) 1.65% US$117,887.09 -12.89% US$87,110.3
Orbis SICAV Emerging Markets Equity Fund (USD) (inc) 9.61% US$260,512.32 -27.79% US$72,207.1
Orbis SICAV Global Balanced Fund (USD) (inc) * 3.33% US$139,500.47 -18.94% US$81,061.9
Orbis SICAV Japan Equity Fund (EUR) (inc) 9.70% €262,720.89 -51.57% €48,428.2
Orbis SICAV Japan Equity Fund (JPY) (inc) 10.56% ¥286,256.4 -52.07% ¥47,933.2
PineBridge Global Dynamic Asset Allocation Fund (USD) Y 6.09% US$183,534.24 -33.94% US$66,063.4
Sarasin IE Global Real Estate Equity (GBP) P * 9.93% £268,956.68 -13.80% £86,203.2
Sarasin IE GlobalSar - Dynamic (GBP) P(acc) * 7.41% £209,265.44 -9.12% £90,878.3
Sarasin IE GlobalSar - Dynamic (USD) P(acc) * 5.41% US$171,596.1 -10.86% US$89,142.2
STANLIB Global Balanced Cautious Fund (USD) (acc) * 2.11% US$123,435.08 -9.48% US$90,523.2
STANLIB Global Bond Fund (USD) (acc) 4.22% US$152,339.42 -18.11% US$81,886
STANLIB Global Bond Fund (USD) B1(acc) * 1.48% US$115,943.03 -10.61% US$89,390.4
Vulcan Value Equity Fund (USD) II(acc) * 8.02% US$222,467.31 -16.87% US$83,126
Average across all offshore funds 6.23% -21.64%
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

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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 * 5.52% R173,466.43 -9.29% R90,707.5
Nedgroup Investments Core Diversified Fund B * 10.74% R291,224.71 -8.13% R91,865.8
Nedgroup Investments Core Diversified Fund B2 * 5.03% R165,195.38 -8.11% R91,894.5
Nedgroup Investments Core Guarded Fund B2 * 6.28% R187,023.48 -4.05% R95,952.6
Satrix ALSI Index Fund B2 * 6.35% R188,412.79 -13.18% R86,815.2
Satrix Alsi Index Fund B1 * 6.34% R188,231.08 -13.19% R86,815
Satrix Balanced Index Fund B1 * 7.62% R213,757.14 -6.91% R93,091.7
Satrix Bond Index Fund B1 * 8.09% R223,968.42 -7.69% R92,308.4
Satrix Dividend Plus Index Fund B1 * 7.39% R208,999.39 -24.97% R75,034.3
Satrix Equally Weighted Top 40 Index Fund B1 * 1.59% R117,278.83 -13.90% R86,104.2
Satrix Low Equity Balanced Index Fund B1 * 5.52% R173,383.57 -3.56% R96,437.3
Satrix Momentum Index Fund B1 * 9.06% R246,668.43 -19.78% R80,218.7
Satrix Property Index Fund B1 * 5.67% R176,031.97 -25.52% R74,475.8
Satrix Rafi 40 Index Fund B1 * 5.78% R177,976.81 -18.29% R81,708.9
Satrix Top 40 Index Fund B1 * 6.16% R184,838.98 -13.86% R86,140
Average across all passive funds 6.48% R194,430.49 -12.70% R87,304.66
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

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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.