Our Funds

1. Our Local Funds

We do have three wrap fund strategies in South Africa, with the one being very stable like a money market or a savings account, the second wrap fund consisting of, according to us, the very best SA growth funds, and the third wrap fund with the very best locally registered offshore funds. We invest the money of our clients proportionally in these funds according to their risk profiles and circumstances, but invest as far as possible their voluntary monies in our similar funds offshore. These local funds are:

(From where income can be withdrawn/ quick cash for emergency)

This wrap fund intends to compete with local savings accounts and money market accounts with similar low STD (volatility), but will usually give more than 5% per annum net of fees and intends to be a source of income or emergency fund. The CAR has been 5.49% nett of fees since inception over the 3-year period. The STD has been 1.67%, almost as low as a money market account. We have started the Stable SA wrap fund only during January 2019 which is a very short period. When you look at the spreadsheet below of the underlying funds as from January 2018, you will see the longer-term CAR nett of fees of 5.54%, which shows a lower CAR but a more reliable projection for future growth, and which is less than the unrealistic 5.6% as shown on the factsheet of 31 March 2022, because of which we show you the Stable SA historical growth with current funds since January 2019. See the factsheet for more up to date information.

Download Stable SA Fact Sheet

(Lower growth than that of Global SA, But also lower volatility, available for emergency if funds in Stable SA have run dry)

This is according to us one of the best equity growth wrap funds in South Africa and intends to give clients according to their risk profiles and circumstances maximum ZAR growth over the medium to the long term. We have started the Equities SA wrap fund only during January 2019 which is a very short period. When you look at the spreadsheet below of the historical growth with current underlying funds as from January 2018, you will see the longer-term CAR nett of fees of 7.48%, which shows a lower CAR but a more reliable projection for future growth, than the present CAR nett of fees of 12.61% over the short period of January 2019 up to end of March 2022. See the factsheet for more up to date information.

Download Equities SA Fact Sheet

(Usually highest growth available in South Africa but with bigger volatility, for the long-term of 3 to 5 years and longer)

This wrap fund consists, according to us, of the best locally registered offshore funds and will even do better than equities offshore over the medium to long term, with a CAR of 13% nett of fees since inception over a 3-year period, and a relative high STD of 18.21%, and a down STD of 7.99%, and therefore this fund is for the longer term of 3-5 years or longer. We have started the Global SA wrap fund only during January 2019 which is a very short period. When you look at the spreadsheet below of the underlying funds as from January 2018 you will see the longer-term CAR nett of fees of 13%, which shows a higher CAR, but a more reliable projection for future growth. See the factsheet for more up to date information.

Download Global SA Fact Sheet

 

2. Our Offshore Funds

We usually encourage clients to invest most of their voluntary contribution monies offshore because of the better growth prospects over the medium to the long term. These offshore funds are:

(From where income can be withdrawn/ quick cash for emergency)

This fund, like Stable SA, intends to make income or cash available to clients and intends to compete with Savings Accounts and Money Market Accounts, as the fund consist of hedge funds with a very low down STD (volatility) of 0.69% in USD, almost like that of a money market and 6.58% in ZAR. Although the collective CAR of the underlying funds, as of the 7th of October 2021, has been 8.39% nett of fees in USD and 14.77% nett of fees in ZAR with a very low down STD in USD, the down STD in ZAR is high and therefore we advise clients to withdraw their pension income annually and invest it in our Stable SA from where they can draw their monthly income. On the home page under professional advice par 8.2 (you will notice as in the case of Moriah Global historical growth) you will see there, with current funds since July 2020, we have done the same as in the case of our Moriah Global fund, because of the same reasons as mentioned. The real CAR of Stable Offshore since the 1 July 2020 up to the end of April 2022 was 4.76% nett of fees in USD and in ZAR 10.91% per annum nett of fees, which is far less than the above-mentioned 8.39% in USD and 14.77% nett of fees in ZAR, but sometimes it is the other way around as mentioned in par 1.1 and 1.2 above under local funds, but nevertheless more reliable to forecast future performance. See the factsheet for more up to date information.

Download Stable Offshore Fact Sheet

(A managed portfolio of fourth industrial revolution high growth funds and shares that can grow more than 700% per annum but can also go negative with more than 30% in 6 months, like the Tesla shares, and therefore for the long-term as we do not try to time the markets anymore since 2008)

The CAR of the underlying funds of this fund since Jan 2017 over the 5 year period up to the end of April, taking Covid and the Ukraine War into account is still a very high 17.16% in USD nett of fees and in ZAR 20.43% per annum nett of fees. The Down STD will usually be much higher than that of Stable Offshore as well as higher than that of Moriah Global, as this is a deep-value fund, consisting of fourth revolution shares and unit trusts, where we will not try to time the market corrections but will rather follow a strategy of buy and hold, and therefore this fund is for the longer term of 3-5 years and longer. We have shown above the historical growth rates of Equities Offshore with current funds since January 2021 because of the same reasons, as mentioned under local funds above in par 1.1 and 1.2 as well as on the home page under professional financial advice in par 8. The real Equities Offshore FoF has a short history which started only the 1 January 2021 with a CAR over that period of -4.81% nett of fees in USD. See the factsheet for more up to date information.

Download Equities Offshore Fact Sheet

(High growth with relative low volatility)

This is our flagship fund of fund, also a growth fund, that consists of underlying hedge funds, obtained since the 1 August 2021 with a CAR over a very difficult 4 and a half year period with the uncertainties of the American elections, Covid19 and Ukraine War since February 2022, of 25.6% per annum nett of fees in USD and 32.99% nett of fees per annum in ZAR. The down STD is very low compared to the high performance, namely 3.25% in USD and 9% in ZAR. Although this fund is not expected to give the very high returns of Equity Offshore, it is also not expected to ever give a negative year and a bigger portion of pension money can therefore be invested in this fund. We have shown the historical projection of Moriah Global with current funds since August 2022 in paragraph 8 under home because of the reasons as mentioned on the home page under professional financial advice in par 8. We have given you in the mentioned par 8 a historical performance of growth of underlying funds which shows a much higher growth rate, but more realistic in terms of expected future growth. Please take note that in the case of some of our other funds, like in the case of Equities SA and Global SA mentioned under SA funds par 1.1 and 1.2 above, the historical performance with current underlying funds over a longer-term, which is more realistic, shows a smaller CAR, in the case of our Equities SA almost a 50% less. See the factsheet for more up to date information.

Download Moriah Global Fact Sheet
Download Moriah Global ZAR Fact Sheet

Andries van Tonder of our offices has started this fund experimentally from 1 Apr 2019 and it has a CAR up to 7 Oct 2021 of 243.65% in USD nett of fees with a down STD of only 5.61%. We have also registered this fund on the platform of the administrator IAL in Mauritius from 1 Oct 2021.

Andries van Tonder is managing this funds here via Mauritius, with world-wide different cryptocurrencies, but the fund has started only October 2021. See the factsheet for more up to date information.

Download Currencies Offshore Fact Sheet