December 9, 2015

Naviga Saver Series

The Naviga Portfolios offer investors a choice of five risk-profiled portfolios, suitable for discretionary as well as contractual investment products. The portfolios combine managers with complimentary investment philosophies, asset allocation skills, styles and alpha generating sources.

The focus is on managers with significant experience and the portfolio philosophy favours owner-managed propositions. Naviga Solutions accesses the asset allocation skills and expertise of multiple managers with complimentary investment philosophies. This strategy allows us to not only diversify across asset classes but investment allocation strategies as well in order to arrive at an optimal risk adjusted return strategy for each portfolio relative to the investor's risk profile.

Naviga Income

The objective of the portfolio is to provide above average income returns, while protecting the value of the capital invested. The investments are primarily exposed to money market and flexible income funds. The portfolio is managed in accordance with prudential guidelines (Regulation 28), and targets returns in excess of the SteFi Index (similar to that of money market) over a rolling 24 month period.

Naviga Cautious

The primary investment objective of the portfolio is to provide the investor with a moderate level of income while preserving capital in real terms over the medium term. This is a low equity portfolio with a maximum of 40% in equities and is structured to remain within the prudential guidelines (Regulation 28). The portfolio targets returns in excess of the ASISA South African Multi Asset Low Equity category over a rolling 24 month period.

Naviga Balanced

The primary investment objective of the portfolio is to provide the investor with capital growth over the long-term with moderate levels of volatility. This is a medium to high equity portfolio with a maximum of 75% in equities and is structured to remain within the prudential guidelines (Regulation 28). The portfolio targets returns in excess of the ASISA South African Multi Asset High Equity category over a rolling 24 month period.

Naviga Flexible

The primary investment objective of the portfolio is to provide the investor with capital growth over the long-term with moderate to high levels of volatility. This is a flexible portfolio with regards to asset allocation with no limit on the equity exposure. The portfolio targets returns in excess of the average of the South African Multi Asset Flexible category over a 24 month rolling period.

Naviga Growth

The primary investment objective of the portfolio is to provide the investor with capital growth over the long-term with high levels of volatility. This is a flexible portfolio with regards to asset allocation with no limit on the equity or offshore exposure. The portfolio targets returns in excess of the average of the South African Multi Asset Worldwide Flexible category over a 24 month rolling period.

Naviga Stable

The primary investment objective of the portfolio is to provide the investor with a moderate level of income while preserving capital in real terms over the medium term. This is a low equity portfolio with a maximum of 40% in equities and is structured to remain within the prudential guidelines (Regulation 28). The portfolio targets returns in excess of the ASISA South African Multi Asset Low Equity category over a rolling 24 month period. This portfolio is only available at Discovery Invest.

Naviga Moderate

The primary investment objective of the por􀀡olio is to provide the investor with capital growth over the long term with moderate levels of volatility. This is a high equity portfolio with a maximum of 75% in equities and is structured to remain within the prudential guidelines (Regulation 28). The portfolio targets returns in excess of the ASISA South African Multi Asset High Equity category over a rolling 24 month period. This portfolio is only available at Discovery Invest.


 

TFSA Naviga Balanced Portfolio

The primary investment objective of the portfolio is to provide the investor with capital growth over the long-term with moderate levels of volatility. This is a high equity portfolio with a maximum of 75% in equities and is structured to remain within the guidelines of a tax free saving account. The portfolio targets returns in excess of the ASISA South African Multi Asset High Equity category over a rolling 24 month period. This portfolio is suitable for a Tax Free Savings Account.

TFSA Naviga Growth Portfolio

The primary investment objective of the portfolio is to provide the investor with capital growth over the long-term with high levels of volatility. This is a flexible portfolio with regards to asset allocation with no limit on the equity or offshore exposure. The portfolio targets returns in excess of the average of South African Multi Asset Worldwide Flexible category over a 24 month rolling period. This portfolio is suitable for a Tax Free Savings Account.