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Balanced Portfolios

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Portfolio Management

Balanced Portfolios

Benefit from the security of a diversified multi-asset portfolio that matches your needs.

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:

Asset allocation Conservative (low risk) Moderate (medium risk) Aggressive (high risk) Flexible (not Reg 28 compliant)
Equities 10%-40% 40%-65% 60%-75% Manager can decide on asset mix depending on your needs and objectives
Bonds 15%-35% 15%-30% 10%-20%
Cash 25%-55% 15%-30% 5%-10%
Property 5%-25% 5%-15% 0%-15%
Foreign 10%-25% 10%-25% 10%-25%

Conservative (low risk)

Equities: 10%-40%
Bonds: 15%-35%
Cash: 25%-55%
Property: 5%-25%
Foreign: 10%-25%

Moderate (medium risk)

Equities: 40%-65%
Bonds: 15%-30%
Cash: 15%-30%
Property: 5%-15%
Foreign: 10%-25%

Aggressive (high risk)

Equities: 60%-75%
Bonds: 10%-20%
Cash: 5%-10%
Property: 0%-15%
Foreign: 10%-25%

Flexible (not Reg 28 compliant)

Equities:
Manager can decide on asset mix depending on your needs and objectives

Conservative Balanced Portfolio

Who is this for?
  • You have a low risk tolerance
  • Your primary goal is to protect your capital
Objective

To preserve capital and generate income through consistent, stable income and capital growth.

Moderate Balanced Portfolio

Who is this for?
  • You have a moderate risk tolerance
  • Your primary goal is to grow your capital
  • You aim to stay invested for a minimum of 3 years
Objective

To generate capital and income growth; higher long-term returns mean there may be short-term return fluctuations.

Balanced Portfolio

Who is this for?
  • You have a high risk tolerance
  • Your primary goal is to grow your capital over the long term
  • You aim to stay invested for a minimum of 3 years
Objective

To generate capital growth with a high equity exposure; higher long-term returns may mean significant short-term return fluctuations.

Flexible Portfolio

Who is this for?
  • You have a medium to high risk tolerance
  • Your primary goal is to grow your capital over the long term
  • You aim to stay invested for a minimum of 3-5 years
Objective

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.

Would you like to know more about our balanced portfolios?

Complete the form on the right and one of our
specialists will contact you.

Sanlam Life Insurance is a licensed financial service provider.
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