Individual Investors and Financial Advisors

Our retail product range includes a suite of unit trust portfolios, global solutions and fund of hedge fund portfolios, designed to cater for a wide spectrum of investor goals and appetite for risk. The portfolios are easily accessible through the various fund platforms or directly available through 27four.

Click here to view the 27four Unit Trust Portfolio Range.

Individual Investors and Financial Advisors
Discretionary Savings
Unit Trusts
Multi-Asset Class

Description

Multi-Asset Class Balanced fund of funds portfolios that caters for a wide range of investor goals and risk profiles. The portfolios are multi-managed across asset classes and funds investing in equity, bond, property and cash funds locally and globally. The portfolios comply with Regulation 28 of the South African Pension Funds Act.

 

Fund

27four Asset Select Prescient Fund of Funds

The portfolio has a medium to high risk profile and its primary objective is capital growth.

This portfolio is accessible through Momentum, as well as directly through 27four.

27four Balanced Prescient Fund of Funds

The portfolio has a medium risk profile and its primary objective is capital growth and income generation.

The portfolio is accessible through the following LISPS, as well as directly through 27four:

  • Momentum; Investec; Glacier; Stanlib; Old Mutual; PSG

27four Stable Prescient Fund of Funds

The portfolio has a low risk profile and its primary objective is capital preservation and income generation.

The portfolio is accessible through the following LISPS, as well as directly through 27four:

  • Momentum; Investec; Glacier; Stanlib; Old Mutual; PSG

Shari’ah Compliant

Description

Our Shari’ah compliant unit trust product range caters for different investor goals and appetite for risk. Our offering includes a domestic equity portfolio and a Balanced fund of funds portfolio.

The 27four Shari’ah Supervisory Board

Our supervisory board comprises three highly respected Islamic scholars with significant experience in Shari’ah Law:

– Mufti Ahmed Suliman (Chairman)

– Mufti Mohammed Ashraf

– Mufti Zaid Haspatel

The board plays an ongoing supervisory role responsible for monitoring ongoing Shari’ah compliance with regards to our investment offering, investment process implementation, mandates and legal documentation. All Shari’ah products are developed in consultation with and approved by the board. This ongoing process of product development, fund segregation and Shari’ah review ensures that 27four’s Shari’ah products are free of interest and within the guidelines prescribed by the Shari’ah. A semi-annual audit is completed by the board to verify Shari’ah compliance which is then certified through the issuance of a Shari’ah compliance certificate.

Click here to view our Shari’ah compliance certificate.

Fund

27four Shari’ah Income Prescient Fund

Shari’ah compliant, specialist fund of funds portfolio focusing on income generating assets. It aims to provide relative capital stability and optimal income returns. The fund will be Regulation 28 compliant. In order to achieve its investment objectives, the fund will utilise a combination of funds investing and direct investments in fixed income securities, listed property and other Income generating securities that are Shari’ah compliant in both South Africa and internationally, which have a fixed maturity date and either have a predetermined cash flow profile or are linked to benchmark yields.

27four Shari’ah Balanced Prescient Fund of Funds

The portfolio has a medium risk profile and is multi-managed across Shari’ah compliant asset classes and funds locally and globally. The primary objectives are capital growth and income generation. The portfolio complies with Regulation 28 of the South African Pension Funds Act.

 

The portfolio is accessible through the following LISPS, as well as through 27four:

  • Momentum
  • Glacier

27four Shari’ah Active Equity Prescient Fund

The portfolio invests in South African listed Shari’ah compliant shares, and hence is suitable for investors with a long term investment horizon. Portfolio returns are generated from a combination of both capital appreciation and dividends. The portfolio is managed by Visio Capital, one of South Africa’s premium fund managers.

 

The portfolio is accessible through 27four.

Global – Rand denominated

Description

A Rand feeder fund that provides investors access to our UCITS compliant global equity fund of funds portfolio that invests in the world’s leading equity funds. The fund is best suited for investors seeking foreign exposure. Manager selection is based on a thorough evaluation of the investment management team, business, investment process and philosophy and the ability to consistently deliver performance. The portfolio is well diversified across managers and geographies in both the developed and emerging economies.

Fund

27four Global Equity Prescient Feeder Fund

The investment objective of the fund is to generate excess returns above its benchmark by strategically allocating assets across investment themes, regions, countries, sectors and currencies through expert equity fund selection and portfolio construction processes. The fund is suitable for investors that seek long term capital appreciation and who have a moderate to aggressive risk profile who wish to capture upside equity while minimising downside volatility.

UCITS Compliant
Global

Description

UCITS compliant global fund of funds portfolios providing investors access to the world’s leading fund managers. The funds are best suited for investors seeking foreign exposure through the utilisation of their offshore allowance. Investors can choose between a global balanced and a global equity fund of funds. Manager selection is based on a thorough evaluation of the investment management team, business, investment process and philosophy and the ability to consistently deliver performance. Both portfolios are well diversified across managers and geographies in both the developed and emerging economies.

Fund

27Four Global Equity Fund of Funds

The investment objective of the fund is to generate excess returns above its benchmark by strategically allocating assets across investment themes, regions, countries, sectors and currencies through expert equity fund selection and portfolio construction processes. The fund is suitable for investors that seek long term capital appreciation and who have a moderate to aggressive risk profile who wish to capture upside equity while minimising downside volatility.

27four Global Balanced Fund of Funds

The investment objective of the fund is to generate excess returns above its benchmark by strategically allocating assets across asset classes, investment themes, regions, countries, sectors and currencies through expert asset allocation, fund selection and portfolio construction processes. The fund is suitable for investors that seek long term capital appreciation and income growth and who have a moderate risk profile who wish to capture upside equity while minimising downside volatility.

Retirement Annuity/Preservation/Living Annuity/Endowment
Unit Trusts
Multi-Asset Class

Description

Multi-Asset Class Balanced fund of funds portfolios that caters for a wide range of investor goals and risk profiles. The portfolios are multi-managed across asset classes and funds investing in equity, bond, property and cash funds locally and globally. The portfolios comply with Regulation 28 of the South African Pension Funds Act.

 

Fund

27four Asset Select Prescient Fund of Funds

The portfolio has a medium to high risk profile and its primary objective is capital growth.

This portfolio is accessible through Momentum, as well as directly through 27four.

27four Balanced Prescient Fund of Funds

The portfolio has a medium risk profile and its primary objective is capital growth and income generation.

The portfolio is accessible through the following LISPS, as well as directly through 27four:

  • Momentum; Investec; Glacier; Stanlib; Old Mutual; PSG

27four Stable Prescient Fund of Funds

The portfolio has a low risk profile and its primary objective is capital preservation and income generation.

The portfolio is accessible through the following LISPS, as well as directly through 27four:

  • Momentum; Investec; Glacier; Stanlib; Old Mutual; PSG

Shari’ah Compliant

Description

Our Shari’ah compliant unit trust product range caters for different investor goals and appetite for risk. Our offering includes a domestic equity portfolio and a Balanced fund of funds portfolio.

The 27four Shari’ah Supervisory Board

Our supervisory board comprises three highly respected Islamic scholars with significant experience in Shari’ah Law:

– Mufti Ahmed Suliman (Chairman)

– Mufti Mohammed Ashraf

– Mufti Zaid Haspatel

The board plays an ongoing supervisory role responsible for monitoring ongoing Shari’ah compliance with regards to our investment offering, investment process implementation, mandates and legal documentation. All Shari’ah products are developed in consultation with and approved by the board. This ongoing process of product development, fund segregation and Shari’ah review ensures that 27four’s Shari’ah products are free of interest and within the guidelines prescribed by the Shari’ah. A semi-annual audit is completed by the board to verify Shari’ah compliance which is then certified through the issuance of a Shari’ah compliance certificate.

Click here to view our Shari’ah compliance certificate.

Fund

27four Shari’ah Income Prescient Fund

Shari’ah compliant, specialist fund of funds portfolio focusing on income generating assets. It aims to provide relative capital stability and optimal income returns. The fund will be Regulation 28 compliant. In order to achieve its investment objectives, the fund will utilise a combination of funds investing and direct investments in fixed income securities, listed property and other Income generating securities that are Shari’ah compliant in both South Africa and internationally, which have a fixed maturity date and either have a predetermined cash flow profile or are linked to benchmark yields.

27four Shari’ah Balanced Prescient Fund of Funds

The portfolio has a medium risk profile and is multi-managed across Shari’ah compliant asset classes and funds locally and globally. The primary objectives are capital growth and income generation. The portfolio complies with Regulation 28 of the South African Pension Funds Act.

 

The portfolio is accessible through the following LISPS, as well as through 27four:

  • Momentum
  • Glacier

27four Shari’ah Active Equity Prescient Fund

The portfolio invests in South African listed Shari’ah compliant shares, and hence is suitable for investors with a long term investment horizon. Portfolio returns are generated from a combination of both capital appreciation and dividends. The portfolio is managed by Visio Capital, one of South Africa’s premium fund managers.

 

The portfolio is accessible through 27four.

Life Pools
Money Market

Description

Low-risk portfolios focused on capital preservation through investment in a diversified blend of money market funds.

Fund

Cash Optimiser

Low-risk portfolio designed exclusively for hedge fund managers to optimally manage unencumbered cash and diversify counterparty risk through investment in a diversified blend of premium money market funds. The portfolio is designed to outperform the JSE Trustees rate, as well as STeFi.

Money Market

The portfolio aims to preserve capital and to provide a total return in excess of that offered by money market portfolios, regular annual fixed deposits and cash. It is best suited to manage liquidity and preserve capital for those members close to retirement. The portfolio complies with Regulation 28 of the South African Pension Funds Act.

Multi-Asset Class

Description

Multi-Asset Class Balanced portfolios that cater for a wide range of investor goals and risk profiles. They are best suited for member investment choice or life-stage portfolios within a Defined Contribution Fund. The portfolios comply with Regulation 28 of the South African Pension Funds Act.

Fund

Inflation plus 7%

For members with a long-term investment horizon wishing to capture strong market performance above inflation. Through its high equity allocation, the portfolio aims to grow wealth to facilitate a higher income at retirement. More significant capital volatility is to be expected over the short-term.

Inflation plus 5%

For members with a medium-term investment horizon and very clear purchasing power goals of achieving inflation protection and moderate capital growth. Some level of capital volatility is to be expected over the short-term.

Inflation plus 3%

For members close to retirement seeking performance stability. The assets of the portfolio are largely invested in income generating assets as a means to achieve capital preservation and avoid downside risk.

Shari’ah Compliant

Description

The 27four Regulation 28 and Shari’ah compliant risk profiled range of portfolios was designed exclusively for members of South African retirement funds requiring a solution that would meet their investment goals without compromising Islamic law. The portfolios are multi-managed balanced portfolios providing asset class and fund manager diversification by investing in a combination of Shari’ah compliant equity funds, both locally and internationally, Islamic income products and direct physical exposure to gold bullion.

27four can also tailor Shari’ah compliant investment options to suit the unique risk and return requirements of individual retirement funds. Shari’ah compliant member investment choice portfolios can be constructed to mirror the strategic asset allocation of your traditional member choice funds or life stage portfolios.

The 27four Shari’ah Supervisory Board

Our supervisory board comprises three highly respected Islamic scholars with significant experience in Shari’ah Law:

– Mufti Ahmed Suliman (Chairman)

– Mufti Mohammed Ashraf

– Mufti Zaid Haspatel

The board plays an ongoing supervisory role responsible for monitoring ongoing Shari’ah compliance with regards to our investment offering, investment process implementation, mandates and legal documentation. All Shari’ah products are developed in consultation with and approved by the board. This ongoing process of product development, fund segregation and Shari’ah review ensures that 27four’s Shari’ah products are free of interest and within the guidelines prescribed by the Shari’ah. A semi-annual audit is completed by the board to verify Shari’ah compliance which is then certified through the issuance of a Shari’ah compliance certificate.

Click here to view our Shari’ah compliance certificate.

Fund

Shari’ah Global Flexible Fund

A global portfolio designed to maximise investment returns over the long term. Volatile movements in the value of capital in the short to medium term are to be expected. Contributions and returns are in ZAR. The fund is only available as an endowment investment.

Shari’ah Wealth Builder

For members with a longer-term investment horizon and a higher-risk tolerance that require moderate to high capital growth and for their retirement assets to be invested in accordance with Shari’ah law.

Shari’ah Multi-Managed Balanced Fund

For members with a medium-term investment horizon and a moderate-risk tolerance that require moderate capital growth and for their retirement assets to be invested in accordance with Shari’ah law.