OVERVIEW

Our retail product range is designed to cater for a wide spectrum of investor goals and appetites for risk.

The portfolios are easily accessible through the various fund platforms or directly through 27four. You can speak to your financial advisor or contact one of our in-house wealth management experts to assist you in designing and implementing your personalised financial roadmap.

NEW INVESTORS

To start investing with 27four, use the simple 27four Online investment process.
Alternatively, you can download the relevant application forms and follow the easy three-step process outlined below.

INVESTMENT APPROACH

As a multi-manager, our philosophy is based on the premise: don’t put all your eggs in one basket. Investing in a single manager fund exposes the investor to risks associated to one investment house and investment style. Similarly, investing in one asset class exposes the investor to market risks associated with that specific asset class. Our diversified investment process is designed to mitigate such idiosyncratic (fund specific) and market (systematic) risks to deliver superior risk-adjusted investment returns, across market cycles. This is achieved through superior fund selection and sophisticated portfolio construction (blending) processes that offer multiple levels of diversification between asset classes, geographies, underlying managers (funds), investment strategies and styles.

RISK PROFILER

Investors usually want the highest possible investment return. Returns are only one element when considering which investment product is best suited to your needs. Other important issues to consider are how comfortable you are with the value of your investment fluctuating, whether you need a regular income from your investment, how long you will be investing for and whether you want to preserve or grow the value of your investment.

Use our Risk Profiler to find out what type of an investor you are.

  • Less than 1 year

    Between 1 and 3 years

    Between 3 and 5 years

    Between 5 and 8 years

    Longer than 8 years (Retirement)

  • Unhealthy

    Below average health

    Average health

    Above average health

    Very healthy

  • High

    Above average

    Average

    Below average

    Low

  • My income is unlikely to grow at all

    My income will grow at slightly less than inflation

    My income will grow with inflation

    My income will slighty outgrow inflation

    My income will comfortably outgrow inflation

  • Protect my capital

    Generate income from my capital

    To outperform long-term inflation

    Capital Appreciation

  • Less than half of my annual salary

    Between half and 1 times my annual salary

    Between 1 and 2 times my annual salary

    Between 2 and 5 times my annual salary

    More than 5 times my annual salary

  • I have very little understanding or interest

    I have just enough experience to understand some aspects of investment markets

    I understand that markets fluctuate and that different market sectors offer different income, growth and taxation characteristics

    I am experienced with all investment sectors and understand the various factors which influence portfolio performance

  • I have no experience with investments

    I have little experience with investments

    I have a few investments and some experience

    I have a good understanding of investments

    I am an expert and manage my own investments

  • I have never experienced an investment fall in value

    Very nervous

    Uneasy or uncomfortable

    Excited about future investment opportunities

  • A guaranteed amount of R11 000

    Any amount between R10 000 - R12 000

    Any amount between R8 000 - R13 000

    Any amount between R5 000 - R16 000

    Any amount between R0 - R20 000

  • Scared

    Concerned

    Neutral

    Confident

    Very confident

  • Returns in line with inflation

    To achieve returns of inflation plus 3%

    To achieve returns of inflation plus 5%

    To achieve returns of inflation plus 7%

    To achieve returns of more than inflation plus 7%

Once you’ve filled in the details above, press ’Calculate‘. Your result will appear here.

Based on the answers to the previous questions, you have been identified as:

Conservative

Conservative - Focussed on income generation and capital protection.

You want your investment to generate an income and you want your capital to be managed in a manner that does not expose it to fluctuations in value (some level of capital security). You are not too concerned about your investment keeping up with inflation. You do not want any capital loss over a 2 year period.

Disclaimer: The risk profiling tool has been developed to assist you in identifying what level of investment risk you are comfortable with. Based on the type of investment risk you are comfortable with, investment products that most closely match your characteristics will be shown. The decision you make will be yours alone and you will carry full responsibility thereafter. If you feel you need advice we strongly recommend that you obtain the services of a qualified financial advisor.

Once you have calculated your average you can match your score with the relevant profile:

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CONSERVATIVE

Focussed on income generation and capital protection.

You want your investment to generate an income and you want your capital to be managed in a manner that does not expose it to fluctuations in value (some level of capital security). You are not too concerned about your investment keeping up with inflation. You do not want any capital loss over a 2 year period.

The funds below are more likely to match your risk profile characteristics*:

CAUTIOUS

Focussed on income generation and capital protection keeping pace with inflation.

You want to protect the wealth you have built-up and also generate an income from your investment. As a minimum you want your investment and income to grow with inflation. You are willing to accept some fluctuation in the value of your investment to achieve an investment return above inflation over 2 to 3 years.

The funds below are more likely to match your risk profile characteristics*:

MODERATE

Focussed on capital growth with some need for income.

You want to grow your wealth but also need some income. You understand that to achieve this goal you will need to take on some calculated risk (chance that the value of your capital may fluctuate over some periods, you want your capital value unchanged over a 3-5 year period).

The funds below are more likely to match your risk profile characteristics*:

MODERATELY AGGRESSIVE

Focussed on capital growth with little need for income.

You want to grow your wealth with a small income need. You understand that to achieve this goal you will need to take on some risk to achieve capital growth (chance that the value of your capital may fluctuate over some periods, you want your capital value unchanged over a 5-7 year period).

The funds below are more likely to match your risk profile characteristics*:

AGGRESSIVE

Focussed on capital growth.

You want to grow wealth with no need for income. You understand that to grow your wealth aggressively there will be times where the value of your capital fluctuates considerably. Also, you don’t need to access this capital over the next 7 plus years.

The funds below are more likely to match your risk profile characteristics*:

NEED ADVICE?

We know that accumulating and preserving wealth within a global economy requires relentless effort and energy. Our experienced team of advisors are cognisant of such personal struggles and pride ourselves in thoroughly understanding your needs so that together with you we can develop, implement and monitor your financial roadmap to meet your life’s goals.

Get in touch with our client services team using the form below and we will connect you to a suitable advisor in your city.