December 9, 2015

Naviga Income Series

The Naviga Income Series is specifically designed for the consumption phase after retirement. There are three optimally constructed portfolios which has been designed to cater for various income needs during retirement.

These portfolios divide the assets of an investor into three investment term-dependent buckets as illustrated.

The regular income is withdrawn from the short term bucket. Once a year or when markets are favourable, the portfolio is rebalanced from the equities to the income generating funds to re-establish the strategic balance between the three buckets in order to deliver the most optimal outcome.

Income 12-02-2016

Naviga Low Income

This portfolio is suitable for investors with a low income need and should provide long-term capital growth with moderate to high levels of volatility. The portfolio is divided between three components namely; income generating funds for the income need, defensive funds for stability and growth funds for capital appreciation. Due to the low income need, this portfolio has a bias toward growth funds.

Naviga Moderate Income

This portfolio is suitable for investors with a moderate income need and should provide long-term capital growth with moderate levels of volatility. The portfolio is divided between three components namely; income generating funds for the income need, defensive funds for stability and growth funds for capital appreciation. Due to the moderate income need, this portfolio has a bias toward defensive funds.

Naviga High Income

This portfolio is suitable for investors with a high income need and should provide low capital growth with low levels of volatility. The portfolio is divided between three components namely; income generating funds for the income need, defensive funds for stability and growth funds for capital appreciation. Due to the high income need, this portfolio has a bias toward income generating funds.

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