We understand that choosing investments can be daunting - there are thousands of investment funds on offer but how do you know which one is right for you?
We have simplified the process by offering a range of funds aimed at meeting the needs of a broad range of investors reflecting their risk profiles.
Each of our funds, known as Model Portfolios, invests in a selection of underlying funds, managed by some of the most experienced and trusted investment managers in South Africa and globally.
These managers are researched, selected and monitored by experienced investment professionals.
Cautious
Cautious
- The Aspire Cautious Fund aims to provide stable growth of capital over the medium term.
- The Fund seeks to minimise the possibility of capital loss over the short term through active management.
- The Fund aims to achieve returns in excess of inflation over 3 years and longer.
- This Fund complies with regulation 28 of the Pensions Funds Act.
Benchmark
- CPI plus 2% per annum over rolling 24 months
Description of the Fund
- The Aspire Cautious Fund is a low moderately conservative risk multi-asset class balanced portfolio.
- This Fund is a specialist model portfolio that seeks to invest primarily in South African fixed income and money market unit trusts, with some exposure to listed equity and property shares with tactical low offshore asset allocation.
- The underlying investments are allocated to a number of specialist asset managers selected by Aspire based on their skills, experience and investment philosophy, after a thorough due diligence and continuous monitoring programme.
- The Fund offers investors access to the best asset managers in their field, while ensuring that the risk profile of the strategy remains consistent over time.
Moderate
Moderate
- The Aspire Moderate Fund aims to provide relatively stable capital growth over the medium to long term, while minimising the possibility of capital loss through active management.
- The Fund will exhibit moderate levels of return volatility, however the risk profile is lower than that attributable to a full equity based investment.
- The Fund aims to achieve returns in excess of inflation over 5 years and longer.
- This Fund complies with Regulation 28 of the Pension Funds Act
Benchmark
- CPI plus 4% per annum over rolling 24 months
Description of the Fund
- The Aspire Moderate Fund is a medium risk multi-asset class balanced portfolio.
Aggressive
Aggressive
- The Aspire Aggressive Fund aims to achieve higher than average capital growth over the longer term at the risk of greater short-term volatility of capital values, with income generation as a secondary objective.
- The probability of capital loss over the short to medium term is higher than other asset classes due to the increased volatility of equity returns.
- The Fund aims to achieve returns in excess of inflation over 5 years and longer.
Benchmark
- CPI plus 6% per annum over rolling 60 months
Description of the Fund
- The Aspire Aggressive Fund is a higher risk multi-asset class portfolio
- The Fund is aggressively managed with a high-risk portfolio that aims to deliver capital growth over the long term (greater than 5 years).
- The Fund will be focused on delivering sustainable alpha and will therefore have as few underlying managers as is necessary. The underlying managers will be chosen for their stock picking abilities and the composite portfolio will reflect the sum of their bottom up valuations.
- The underlying investments are allocated to a number of specialist asset managers selected by Aspire based on their skills, experience, performance and operational and financial soundness.
- The aim of the Fund is to offer investors access to the best asset managers in their field, while ensuring that the risk profile of the strategy remains consistent over time.
