Total investment value
Annualised return
investment horizon
Medium term Fund options
Popular choice
Capital Plus
This fund is for long-term investors seeking steady, inflation-beating growth with less volatility than a typical balanced fund. It invests across shares, bonds, property, and cash — locally and offshore — while prioritising consistent returns and a smoother journey through market cycles.
- Aims for steady medium- to long-term growth with less volatility than typical balanced funds
- Diversified across shares, bonds, property, and cash, locally and offshore
- Regulation 28 compliant
Risk rating
Minimum investment term
3 years +
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Capital Plus
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 achieve less volatility than the average balanced fund. It is specifically managed to suit investors who want to draw an income over an extended period of time.
Investor profile
The fund is suitable for investors: Seeking a risk-conscious investment solution enabling an annual income drawdown over an extended period of time. Requiring a reasonable rate of real return over investment horizons of between 3 and 5 years, achieved at less volatility than that of the average balanced. When your objective is to accumulate capital over the long term, the fund is only suitable if a strong focus on managing downside risk and volatility is a priority. This fund can invest in a wide range of assets, such as shares, bonds, listed property and cash, both in South Africa and internationally, in a manner similar to that usually employed by retirement funds.
Benchmark
CPI + 4% p.a.
Risk rating
Minimum investment term
3 years +
Exposure to growth assets
Maximum: 75%
Annualised past performance (after fees)
| Returns | Fund | CPI | REAL RETURN |
|---|---|---|---|
| Since Launch (unannualised) | 1,302.5% | 267.8% | 1,034.7% |
| Since Launch (annualised) | 11.5% | 5.5% | 6.0% |
| Latest 20 years (annualised) | 10.1% | 5.4% | 4.6% |
| Latest 15 years (annualised) | 9.2% | 5.0% | 4.2% |
| Latest 10 years (annualised) | 8.6% | 4.8% | 3.8% |
| Latest 5 years (annualised) | 13.3% | 4.9% | 8.4% |
| Latest 3 years (annualised) | 17.2% | 4.1% | 13.1% |
| Latest 1 year | 18.8% | 3.1% | 15.7% |
| Year to date | 14.7% | 3.1% | 11.6% |
Balanced Defensive
This fund is for investors seeking steady growth while protecting their capital. It invests in a cautious mix of shares, bonds, property, and cash — locally and globally — while prioritising low volatility.
- Seeks to protect capital over any 12-month period
- Up to 50% in growth assets
- Regulation 28 compliant
Risk rating
Minimum investment term
3 years +
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Balanced Defensive
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. It is specifically managed to suit very cautious investors who want to draw an income over an extended period of time.
Investor profile
The fund is suitable for investors: Seeking a defensive investment solution enabling an annual income drawdown. Requiring a reasonable rate of return over investment horizons of 3 years and longer. With a low tolerance for the volatility of returns associated with equity investing. This fund is not suitable for investors seeking to aggressively accumulate capital over an extended period of time.
Benchmark
CPI + 3% p.a
Risk rating
Minimum investment term
3 years +
Exposure to growth assets
Maximum: 50%
Annualised past performance (after fees)
| Returns | Fund | CPI | REAL RETURN |
|---|---|---|---|
| Since Launch (unannualised) | 445.0% | 171.5% | 273.5% |
| Since Launch (annualised) | 9.6% | 5.5% | 4.0% |
| Latest 15 years (annualised) | 9.5% | 5.0% | 4.4% |
| Latest 10 years (annualised) | 8.5% | 4.8% | 3.7% |
| Latest 5 years (annualised) | 11.3% | 4.9% | 6.4% |
| Latest 3 years (annualised) | 14.6% | 4.1% | 10.5% |
| Latest 1 year | 15.7% | 3.1% | 12.6% |
| Year to date | 11.9% | 3.1% | 8.8% |