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Investment Management
Sanlam Private Wealth manages a range of model portfolios across different risk categories. We’ll select the most suitable model portfolio and customise it for your requirements.
BALANCED (MULTI-ASSET) PORTFOLIOS
These portfolios are, in varying degrees, invested in equities, bonds, money market instruments and property, both locally and offshore. Our investment team expertly blends these asset classes to cater for your desired outcome over the longer term, in terms of both the returns generated, and the amount of risk taken.
Market value-weighted average return of funds in the SA – multi-asset – low equity category.
Cautious
This portfolio aims for long-term capital growth through active stock-picking and asset allocation. This portfolio may have a maximum effective equity exposure (including international equity) of up to 40% and a maximum effective property exposure (including international property) of up to 25% of the market value of the portfolio. Total allowable offshore exposure is 30%. Due to the lower exposure to equities in the portfolio, lower levels of volatility can be expected.
MODERATE BALANCED
Market value-weighted average return of funds in the SA – multi-asset – low equity category
Moderate
This portfolio aims for long-term capital growth by active stock-picking and asset allocation. This portfolio may have a maximum effective equity exposure (including international equity) of up to 60% and a maximum effective property exposure (including international property) of up to 25% of the market value of the portfolio. Total allowable offshore exposure is 30%. Due to the lower exposure to equities than in the Balanced portfolio, lower levels of volatility can be expected in this portfolio.
BALANCED
Market value-weighted average return of funds in the SA – multi-asset – high equity category
Moderate Aggressive
This portfolio aims for long-term capital growth. However, a higher exposure to growth assets (equities and property) is likely to lead to higher volatility over the short term. Investment performance will be driven by active stock-picking and asset allocation. This portfolio may have a maximum effective equity exposure (including international equity) of up to 75% and a maximum effective property exposure (including international property) of up to 25% of the market value of the portfolio. Total allowable offshore exposure is 30%.
FLEXIBLE
SA consumer inflation rate + 4%
Aggressive
The mandate allows for an unconstrained view from both an asset allocation and a stock-picking perspective. The portfolio management is likely to reflect high-conviction calls and high levels of trading activity, which will at times reflect tactical investment calls. The asset classes and holdings will be selected according to potential of generating nominal performance and not on a relative valuation perspective.
EQUITY PORTFOLIOS
Our equity portfolios cater to different combinations of income, growth and risk levels.
EQUITY
FTSE / JSE All Share Index
Aggressive
The portfolio aims to outperform the JSE All Share Index on a total return basis over an investment horizon of three years or more, by investing in companies that we feel are undervalued. The portfolio offers a carefully selected, well-diversified basket of shares from all sectors on the JSE. It may also provide exposure to unlisted shares. The investments in the portfolio are subject to rigorous, in-depth research.
WORLDWIDE EQUITY
75% JSE All Share Index and
25% MSCI Developed Markets
Aggressive
This is an equity portfolio that predominantly invests in local shares as well as offshore listed companies. The portfolio aims to achieve capital and income growth over an investment horizon of three years or more, by investing in companies that are undervalued relative to their intrinsic value. The local portion of the portfolio offers a carefully selected, well-diversified basket of shares from all sectors on the JSE. It may also provide exposure to unlisted shares. The investments in the portfolio are subject to rigorous, in-depth research and adhere to our pragmatic value investment philosophy. Offshore exposure is obtained through investment in direct equities or equity funds.
DIVIDEND INCOME
JSE Dividend Income Plus Index
Aggressive
This is a diversified local equity portfolio which may include investments in both ordinary and preference shares. The portfolio aims to outperform the JSE Dividend Plus Index over an investment horizon of three years. The objective of the portfolio is to provide a combination of income and capital growth with an emphasis on growing the income stream in real terms over an investment horizon of three years.
SHARIAH EQUITY
Average of the Shariah-compliant unit trust ASISA category
Aggressive
The primary objective is to provide Shariah-compliant, above-average total returns over an investment horizon of three years or more by investing in Shariah-compliant ordinary shares listed on the JSE.
UNIT TRUST FUNDS
Investors that don’t qualify for the minimum investment amounts can access the investment expertise of the Sanlam Private Wealth team by investing in the SPW Balanced Fund, the Balanced Fund B2 Class and the SPW Equity Fund.
Using your equity portfolio to secure credit allows you fast access to capital.
Sizwe Mkhwanazi has spent 14 years in Investment Management.
Have a question for Sizwe?