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choosing-a-fund

Home / Choosing a Fund
Choosing a Fund

Risk taken without reference to your time horizon decreases the probability of achieving the required investment return. Add the complexity of the types of funds available for selection, (asset, sector, or geographic class) to the mix and choosing the right fund, or funds, becomes more a matter of luck than the application of investment intelligence.

MiPlan offers a unique range of funds spanning the risk spectrum which have been set up to target certain outcomes or objectives, based on various investment time horizons:

SOUTH AFRICAN FUNDS

For investors with specific risk and return objectives, seeking opportunities primarily in the fixed interest, equity and property markets.

INCOME FUND

MiPlan IP Enhanced Income Fund

Objective:

A conservative-risk fund with an objective to generate better returns than Money Market portfolios for investors seeking to earn a reasonable level of income with low risk of capital loss.

Benchmark:

Short Term Fixed Interest Index (STeFI) × 1.1

Investment Time Horizon:

1-2 years

ASISA Category:

South African – Multi Asset – Income

Minimum Disclosure Document:

TARGET RETURN FUNDS

MiPlan IP Inflation Plus 3 Fund

Objective:

A fund with a conservative investment approach and primary objective to obtain a return of at least CPI plus 3% per annum over a rolling three-year period, and a return of at least CPI over a rolling 12 month period.

Benchmark:

CPI + 3%

Investment Time Horizon:

1-3 years

ASISA Category:

South African – Multi Asset – Low Equity

Minimum Disclosure Document:

MiPlan IP Inflation Plus 5 Fund

Objective:

A fund with a moderate investment approach and primary objective to obtain a return of at least CPI plus 5% per annum over a rolling three-year period, and a return of at least CPI over a rolling 12 month period.

Benchmark:

CPI + 5%

Investment Time Horizon:

3-5 years

ASISA Category:

South African – Multi Asset – Medium Equity

Minimum Disclosure Document:

MiPlan IP Inflation Plus 7 Fund

Objective:

A fund with an aggressive investment approach and primary objective to obtain a return of at least CPI plus 7% per annum over a rolling three-year period, and a return of at least CPI over a rolling 12 month period.

Benchmark:

CPI + 7%

Investment Time Horizon:

6-7 years

ASISA Category:

South African – Multi Asset – Medium Equity

Minimum Disclosure Document:

Target Return Summary

Objectives:

As per specific fund above.

Benchmarks:

CPI + 3%, CPI + 5% and CPI + 7%

Investment Time Horizon:

2-3 years, 4-5 years and 6-7 years

ASISA Categories:

As per specific fund above.

Minimum Disclosure Document:

EQUITY FUND

MiPlan IP Beta Equity Fund

Objective:

The fund aims to obtain a return at least equal to the median of the South African domestic General Equity portfolio sector in order to achieve above average capital growth.

Benchmark:

SA General Equity sector average

Investment Time Horizon:

5 + yrs

ASISA Category:

South African – Equity – General

Minimum Disclosure Document:

INTERNATIONAL FUNDS

For investors seeking access to investment opportunities primarily in the global equity, property and fixed interest markets.

EQUITY FUND

MiPlan IP Sarasin Equisar Feeder Fund

Objective:

The fund offers investors the opportunity for offshore diversification and exposure to global equity markets with an objective to achieve long term capital growth through an internationally diversified portfolio of equities and other instruments.

Benchmark:

95% MSCI World Equity Index; 5% Short Term Fixed Interest Index (STeFI)

Investment Time Horizon:

5 + yrs

ASISA Category:

Global – Equity – General

Minimum Disclosure Document:

PROPERTY FUND

MiPlan IP Global Property Feeder Fund

Objective:

The fund offers investors the opportunity for offshore diversification and exposure to global, listed real estate with a long term capital growth objective.

Benchmark:

95% S&P Developed Property Net TR (USD); 5% Cash

Investment Time Horizon:

5 + yrs

ASISA Category:

Global – Real Estate – General

Minimum Disclosure Document:

GLOBAL FLEXIBLE FUND

MiPlan IP Global Macro Fund

Objective:

A multi-asset flexible fund which aims to achieve long term capital growth by investing primarily in foreign markets with a bias toward equities. Asset allocation and stock selection vary according to the manager’s macroeconomic view and the attractiveness of each asset class. There are no limitations on the fund’s relative exposure to asset classes.

Benchmark:

80% MSCI World Index; 15% US$ Cash; 5% Short Term Fixed Interest Index (STeFI)

Investment Time Horizon:

5 + yrs

ASISA Category:

Global – Multi Asset – Flexible

Minimum Disclosure Document:

GLOBAL EQUITY FUND

MiPlan IP Global AI Opportunity Fund

Objective:

A Global Equity fund which aims to achieve long-term capital growth by investing predominantly in Global Equities but may also invest in participatory interests in collective investment schemes including exchange traded funds . The securities may including selection using artificial intelligence ( AI ) based quantitative processes to seek out opportunities.

Benchmark:

95% MSCI World Index; 5% Short Term Fixed Interest Index (STeFI)

Investment Time Horizon:

5 + yrs

ASISA Category:

Global – Equity – General

Minimum Disclosure Document:

OTHER FACT SHEETS

The distribution of these funds and or classes and the resultant investment access may be limited.  Contact info@miplan.co.za for more information.

Minimum Disclosure Documents

Triathlon IP Fund:

Global Marathon IP Fund:

Global IP Opportunity Fund:

MiPlan IP Inflation Plus 5 Fund (Class B6):

MiPlan IP Global Macro Fund (Class B6):