One strategy that actually works
Our strategy is based on a formula:
Invest 15% of your salary for 40 years,
in a high-growth Index fund,
paying fees of less than 1%.
Fees are the single most reliable predictor of your investment’s performance. Ours are less than half the industry average.Read more
The industry charges an average of 3%* in fees. We always charge less than 1% before VAT. Paying 2% more may not sound like much but, compounded over 40 years, it can eat away 40% or more of your savings.
Investment value at retirementThe value of R100,000, growing at 11.3%pa
(10X’s 10-year annualised returns), after 40 years.
Trying to pick winning stocks usually fails. By tracking an index, we deliver higher returns than most fund managers.Read more
Index tracking funds do exactly that – they track an index, or “passively” follow the stock market as a whole. Instead of choosing what to buy, they buy a bit of everything. And they’ve been proven to do very well over time.
Performance of SA Equity Funds versus Index*S&P SPIVA Statistics and Reports. Five-year data as of December 29 2017
We invest your money locally and internationally, in a high performing mix of shares, property, bonds and cash.Read more
Our High Equity portfolio, which most of our clients are invested in, allocates 80% of your money to high growth shares and property.
|Top 10 shares as a % of SA equity||Top 10 shares as a % of international equity|
|BHP Billiton Plc 6.7%||Apple, Inc 1.8%|
|Anglo American Plc 6.6%||Microsoft Corp 1.4%|
|Richemont SA 6.1%||Amazon.com, Inc 1.3%|
|Sasol Ltd 5.6%||Alphabet, Inc (C) 0.7%|
|Naspers Ltd 5.3%||Facebook, Inc 0.6%|
|Standard Bank Ltd 4.6%||JPMorgan Chase 0.6%|
|FirstRand Ltd 4.5%||Johnson & Johnson 0.6%|
|BAT Plc 3.5%||Exxon Mobil Corp 0.6%|
|MTN Group Ltd 3.4%||Alphabet, Inc (A) 0.5%|
|Sanlam Ltd 2.8%||Berkshire Hathaway 0.5%|
Since its inception 10 years ago, our High Equity portfolio has outperformed the average return of large fund managers, even before fees. We save most individual investors 2% in fees, so 10X’s return after those costs is even greater.
How much would R100,000 have grown to?*Returns are based on a R100,000 lump sum invested on
31 December 2007 to 31 December 2017.
We automatically adjust your portfolio according to your investing time horizon, maximising growth and minimising risk.Read more
For most of your investing lifetime, 80% of your portfolio is allocated to shares and property. The industry typically equates high equity with high risk, but this isn’t true in the long term: over periods of five years and longer, a High Equity portfolio has always delivered superior returns, with similar risk to Medium or Low Equity portfolios.
Then, when you have five years and less until retirement, we automatically and gradually shift your asset allocation to less volatile assets to protect your savings.