Gareth Cliff and Anthea Gardner (Cartesian Capital, FSP: 45318) have teamed up to bring you #Invest.
To register on the platform click here.
We understand that not everyone has the same financial goals and therefore we have created four portfolios across the risk return spectrum:
The investment objective is to provide clients with a portfolio which offers consistent yield above bank interest rates, by investing in liquid assets. The primary return objective of the portfolio is to obtain a level of yield commensurate with capital preservation, lower volatility and high levels of liquidity. Low volatility and consistent yield make this the ideal short to medium term investment for anyone saving for a near term goal (less than 3 years) or investors closer to retirement. Cartesian Capital follows a fundamental bottom-up research process with a macro overlay and consideration of liquidity and volatility.
Who should be invested: retired investors, investors needing a yield to supplement their income or investors saving for a short to medium term (3-18 months) goal (example, deposit on a house or car, holiday, etc).
CLICK HERE to invest in the Conservative Income portfolio (remember to have your FICA documentation ready)
Growth and Income (Stable):
The investment objective is to offer higher than bank interest rates with minimal exposure to shares. The primary return objective of the portfolio is consistent yield and capital growth. Low volatility and yield make this the ideal medium term investment for investors with a 1-3 year investment horizon. Cartesian Capital follows a fundamental bottom-up research process with a macro overlay and consideration of liquidity and volatility.
Who should be invested: investors close to retirement age or investors saving for a medium term (12-36 months) goal, who are looking for stability with a bit of capital growth.
CLICK HERE to invest in the Growth and Income portfolio (remember to have your FICA documentation ready)
The investment objective of the Growth portfolio is to provide investors with exposure to the equity market through less volatile and highly liquid shares as well as a 15-20% exposure to less volatile bonds. The combination of fixed income and equity assets makes this a suitable investment for medium to long term investors with a 3-5 year investment horizon. The high level of exposure to shares could lead to volatility of portfolio returns.
Who should be invested: Investors with a minimum of a three-year investment horizon, but who are concerned with the volatility of the equity market.
CLICK HERE to invest in the Growth portfolio (remember to have your FICA documentation ready)
The Aggressive portfolio is primarily invested in JSE listed shares. The portfolio will be invested in high quality companies with strong fundamentals and strong management. Share portfolios are characterised by varying degrees of volatility while targeting stock market returns.
Who should be invested: Higher volatility portfolios are suitable for clients with longer investment horizons (more than 5 years) targeting higher portfolio returns.
CLICK HERE to invest in the Aggressive Growth portfolio (remember to have your FICA documentation ready)
If you are investing for something specific, like a holiday or deposit on a car or home and will need the money in the next 6 months to 2 years, or if you’re a pensioner and need a bit of yield on your cash, we recommend the Conservative Income fund.
If your investment horizon is slightly longer but you still think you’ll need the cash in under three years, or if you are a couple of years away from retirement, we recommend the Income and Growth (Stable) portfolio.
If you are planning to be invested for three to seven years, we recommend the Growth portfolio.
And if you are planning to be invested for three years or longer, and can stomach the volatility of a pure share portfolio, we recommend the Aggressive Growth portfolio.
If you are unsure, please email firstname.lastname@example.org
With the following details (all information is held in confidence at Cartesian Capital which is a registered financial services provider, number 45318):
- Income (annual)
- Do you have a pension fund?
- Investment goals
- Investment horizon
Feel free to tell me the important things that will impact your financial situation, like: You or your partner are having a baby, that you are planning to start a business shortly, you’re going to need a new car in the next year, you get the idea…
Or even if you just have a question, I look forward to hearing from you.
If anyone cares, Cartesian Capital follows a fundamental bottom-up research process with a macro overlay with consideration for liquidity and volatility.
And remember, as Benjamin Graham said: “The individual investor should act consistently as an investor and not as a speculator.”
All portfolios are managed by Cartesian Capital, a licensed Financial Services Provider; FSP number: 45318
The Investment Calculator
Use the investment calculator to find out how much you need to save to reach your financial goals.
Edit the green boxes (your initial investment, the expected rate of return and the amount you want to invest very month) and see how that changes your final investment amount.
The rate of return will depend on the portfolio you choose to invest in. Money market funds and the #Invest portfolio have lower volatility and lower returns and for 2017 are likely to return anything between 6.5% and 8% depending on the interest rate of the country. Shares on the JSE has returned on average 13% per annum for the last 20yrs excluding dividends; but with a lot more volatility in returns (some years it has returned negative growth (-25% in 2008), while other years it has returned in excess of 40% – the #Invest Aggressive portfolio is a portfolio of shares with a similar risk profile and volatility to the JSE.
If you are still unsure which products to be invested in, email email@example.com