Investonline offers five model portfolios to match risk levels, from conservative to aggressive, investing in top unit trust funds managed by Allan Gray, Coronation, Prudential, Nedgroup, Ninety One, and more.
Each portfolio is structured to align with individual goals, taking into account the investment duration and risk tolerance of each investor.
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The various strategies can be summarised as follows:
| Strategy | Short-term | Medium-term | Long-term |
| Recommended time invested | 3 years | 5-7 years | 8-10 years+ |
| Recommended Portfolio | Conservative | Moderate | Aggressive |
| Targeted average return | 6% – 8% p.a. | 9%-11% p.a. | 12%+ p.a. |
Conservative
This is a well-diversified portfolio of premium funds, focusing on a conservative (low-risk) selection of unit trust funds, with exposure to both local and offshore assets and a large weighting in cash.
This portfolio can expect returns higher than money market funds, inflation and fixed deposits, and keeps your capital protected from equity movements. This investment focuses on capital preservation whilst targeting a stable return above inflation.
Moderately Conservative
This is a well-diversified portfolio of premium funds, focusing on a moderately conservative selection of unit trust funds, with exposure to both local and offshore assets and medium exposure to equities.
This portfolio can expect returns higher than money market funds, inflation and fixed deposits, and keeps your capital relatively protected from equity movements. This investment focuses on capital preservation whilst targeting a stable return above inflation over the medium term.
Moderate
This is a well-diversified portfolio of premium funds, focusing on a selection of balanced funds, with exposure to both local and offshore assets.
This portfolio can expect returns higher than money market funds, inflation and fixed deposits, and still keeps your portfolio reasonably protected in volatile market conditions.
Moderately Aggressive
This is a well-diversified portfolio of premium funds, focusing on a moderately aggressive investment. This portfolio invests into shares and other growth assets, both locally and offshore.
This portfolio is expected to outperform money markets, fixed deposits and funds with lower equity exposure over the medium to long term.
Aggressive
This is a well-diversified portfolio of premium funds, focusing on investing aggressively and taking on the risk associated with equity returns. Owing to its volatility, investors can expect either very high returns or very low returns in the short-term depending on the market conditions at the time.
This portfolio is ideal for the individual who not only can take the risk with their capital, but who wants to be invested for the long-term.
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