These multi-asset class portfolios invest in equities, bonds, money market instruments and property, both locally and offshore. The portfolios aim to achieve long-term capital growth through active stockpicking and asset allocation within the parameters of Regulation 28 of the Pensions Funds Act, which governs retirement fund investments. This means that the different portfolios cater to different combinations of income, growth and risk levels, enabling you to invest in a portfolio that matches your investment needs and preferences.
The table below shows the strategic asset allocation, and consequently the corresponding risk levels of our balanced portfolios:
Conservative (low risk)
Moderate (medium risk)
Aggressive (high risk)
Flexible (not Reg 28 compliant)
To preserve capital and generate income through consistent, stable income and capital growth.
To generate capital and income growth; higher long-term returns mean there may be short-term return fluctuations.
To generate capital growth with a high equity exposure; higher long-term returns may mean significant short-term return fluctuations.
To generate long-term capital growth by investing in local and offshore assets, the portfolio manager has complete flexibility to follow an active asset allocation strategy; short-term return fluctuations are less than for focussed equity portfolios.