Market Insights Investment Strategies Structured Products Education Newsletter

Investment Strategies

Our model portfolios blend rigorous macro research with disciplined fund selection. Each strategy targets a specific risk-return outcome over its recommended horizon.

Local

Rand-denominated portfolios

Five mandates ranging from income preservation to aggressive growth, constructed from South African equities, bonds, property, and alternatives — with judicious offshore exposure where the mandate allows.

Income

Low risk

Capital preservation and consistent income for investors drawing down or within five years of retirement. Weighted to high-quality fixed income and income-generating property.

YTD +3.2%
1 Year +8.4%
3 Year p.a. +7.6%
5 Year p.a. +7.1%

Conservative

Low–moderate risk

Stability-focused with limited equity exposure for modest real growth above inflation. Suited to retirees or those within three to seven years of drawing income.

YTD +4.1%
1 Year +9.7%
3 Year p.a. +8.9%
5 Year p.a. +8.3%

Balanced

Moderate risk

Diversified blend of equities, bonds, property, and alternatives targeting inflation-beating returns with manageable drawdowns. Suited to a 5–10 year horizon.

YTD +5.8%
1 Year +12.3%
3 Year p.a. +10.2%
5 Year p.a. +9.6%

Growth

Medium–high risk

Equity-tilted for long-horizon capital growth, blending local and offshore equity exposure with alternatives for diversification. Best suited to a 7–15 year horizon.

YTD +7.2%
1 Year +14.8%
3 Year p.a. +11.4%
5 Year p.a. +10.5%

Growth Plus

High risk

Maximum equity exposure supplemented by private equity and venture capital allocations. For long-horizon investors willing to tolerate short-term volatility. 15+ year horizon.

YTD +9.1%
1 Year +17.6%
3 Year p.a. +12.9%
5 Year p.a. +11.8%

Returns shown are net of underlying fund fees, gross of advisor fees. Past performance is not a reliable indicator of future results. All figures as at 31 March 2026 — illustrative placeholder data.

Offshore

Hard-currency portfolios

Three mandates built for global diversification and rand-hedging. Performance reported in USD with rand-adjusted returns available from your advisor on request.

Income

Low risk

Hard-currency income through global investment-grade bonds, short-duration credit, and REITs. For investors wanting USD-denominated cashflow or preservation.

YTD +2.4%
1 Year +6.1%
3 Year p.a. +4.8%
5 Year p.a. +4.2%

Cautious

Low–moderate risk

Conservative multi-asset mandate with meaningful global bond allocation and measured equity exposure. For hard-currency stability with modest real growth.

YTD +3.9%
1 Year +8.7%
3 Year p.a. +6.5%
5 Year p.a. +5.8%

Growth

High risk

Equity-dominant global portfolio spanning developed and emerging markets, with allocations to global tech, healthcare, and selected private market funds.

YTD +6.8%
1 Year +15.2%
3 Year p.a. +11.7%
5 Year p.a. +10.1%

Returns shown in USD, net of underlying fund fees, gross of advisor fees. Past performance is not a reliable indicator of future results. All figures as at 31 March 2026 — illustrative placeholder data.

Discuss your investment strategy

Your Harbour Wealth advisor can help you choose the strategy — or blend of strategies — that best fits your financial plan.