Each investor has unique goals, and the key to success lies in striking the right balance.

To optimise your investments, crafting a well-thought-out investment plan is essential. This plan should revolve around your life goals. For instance, if your aim is to generate a consistent income from your investments, your approach will differ from someone seeking a substantial lump sum in the future. Additionally, your attitude towards risk must be considered, which can vary depending on your life stage and circumstances.

Every investment strategy and investment portfolio is individually tailored to suit the specific and individual needs of our clients.

As independent financial adviser, we can help you create an investments plan by considering your investable assets, your current income and outgoings, and what you want to achieve in life.

Investment Portfolio

An investment portfolio is the assets held by an investor. Our investment options are made up of different combinations of asset classes. Understanding their characteristics can help you make wise investment decisions when it comes to your retirement annuity (RA) or pension fund.

Asset classes are broken into two categories — defensive and growth

  • Defensive assets: These assets tend to have a lower potential rate of return over the long-term but are generally less volatile and have less potential to lose value compared to growth assets. Examples of defensive assets include cash, fixed-income investments, and stable securities.
  • Growth assets: These assets offer the potential to earn a higher rate of return over the long-term, but they are also more prone to volatility compared to defensive assets. Growth assets typically include equities (stocks), property, and other high-growth investments.

We assist to invest in the following asset classes:

Cash and Cash Equivalents

Cash, short-term deposits and bonds.


Stocks and shares of ownership in a company.


Investing in residential or commercial property.


Bonds are debt securities issued by governments, municipalities, or corporations.

Defensive Assets:

  • Government bonds
  • Gold and Precious Metals
  • Dividend-Paying Stocks
  • Defensive Stocks
  • Cash and Money Market Funds

Growth Assets:

  • Equities (Domestic and International)
  • Emerging Market Stocks
  • Technology Sector
  • Small-Cap Stocks
  • Real Estate Investment Trusts (REITs)
  • Renewable Energy and Green Investments

The Importance of Diversification

Diversification plays a pivotal role in managing investment risk. Every asset class carries its own set of risks, but by combining various asset classes in a well-balanced portfolio, you can mitigate the impact of volatility and uncertainties.

To safeguard your capital when investing, it is essential to diversify your investment portfolio. Essentially, this involves avoiding over-concentration in a single asset

and spreading your investments across multiple assets.

Diversification can be achieved through three primary methods:

  • Across Different Asset Classes
  • Across Different Markets and Regions
  • Across Different Investment Management Styles

At SA Financial Planners, our goal has been to create a successful investment experience for our clients. As a result, we've been able to retain 95% of our clients. Pauline de We, CEO

Constructing your portfolio

Identifying the risk profile

Determine an appropriate spilt of growth and defensive assets after assessing the client's need for capital preservation, risk tolerance and capital draw downs — also known as the client's risk profile.

Allocating the assets

Consider the client's income requirement and tax situation then select the most appropriate asset class allocation and investment style within those asset classes.

Selecting investments

Select investments using a "best of breed" professional money/fund manager approach.

The risk profile concept

Our risk profiles and splits between growth and defensive assets are:

  Growth Defensive
Conservative 20% 80%
Moderately conservative 40% 60%
Balanced 60% 40%
Growth 80% 20%
High Growth 80% 20%

What our investors say:

We have found SA Financial Planners to be exactly what we have needed to manage our financial matters.

Jon and Meredith, Gauteng

They have been extremely helpful, and very practical, in their advice on pensions and investment strategies.

Ann Spies, Pretoria

Just to say thank you for the time you obviously put into my strategies.

Corrado Milano, Self Employed

They listened to what I want to achieve for a retirement & have guided me towards a balanced investment plan.

Jason Bannister, IT Professional

Receive investment advice from the experts.
Contact us for your complimentary first appointment.