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Recommended Portfolios

At Investonline, we have five recommended model portfolios ranging from conservative (low-risk) to aggressive (high-risk).

Our portfolios invest into a diverse range of fund managers consisting of industry leading unit trust funds by asset managers such as Allan Gray, Coronation, Prudential, Nedgroup Investments and Investec.

Each portfolio is structured with the aim of meeting the individual goals of each investor, depending on the length of time that you would like to invest and risk tolerance of each individual.

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 9% p.a. 11%-13% p.a. 14%+ 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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Does your money work for you?

Calculate your optimal investment needs

Calculate my income in retirement
Calculate how much to save for retirement
How old are you?
How old are you?
What is your life expectancy?
What monthly income (pre-tax) do you currently require?
What is the total of your current retirement savings?
How old are you?
At what age do you want to retire?
What is your current monthly income?
What percentage of your current income will you require at retirement?
How much have you already saved for retirement?
How much can you contribute per month?
By how much can you increase your monthly contributions per year?