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We combine excellent personal service with innovative financial solutions to assist businesses and individuals to bank the way they want, where they want and when they want.

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We provide capital and create tailored solutions to support your business growth, whether you need an equity partner, property investor or a sophisticated corporate financier.

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Since 1890 we have provided tailored global and local investment offerings to private and institutional clients.

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Asset Consulting

Experienced Asset Consultants

Our team of experienced asset consultants offers holistic independant asset consulting services to pension fund trustees responsible for retirement funds across Southern Africa.

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Why we are the right choice

Independent advice

Independent and professional investment advice.

Investment specialists

Experienced team of investment specialists.

Leading edge consulting

Comprehensive transparent and leading edge asset consulting

200 retirement funds

The team successfully services over 200 retirement funds in South Africa

Key consulting services

  • 01Formulation and implementation of the investment policy statement
  • 02Asset and liability modelling
  • 03Investment strategy design and implementation
  • 04Fund and member communication
  • 05Investment reviews
  • 06Trustee and member training
  • 07Transition management
  • 08Performance and compliance monitoring
  • 09Customised investment feedback and reporting

Our methodology and approach

Circular PF130 principles

Our methodologies subscribe to the principles embodied in Circular PF130 and the various discussion papers published by National Treasury.

Empower trustees

Our primary objective is to empower trustees through mutually beneficial partnerships where we seek to understand the needs of our clients in order to ensure better retirement savings outcomes for fund members.

Asset liability modeling

Our robust asset consulting process begins by identifying our clients' objectives through a method known as Asset Liability Modelling (ALM).

Intuitive asset & liabilities breakdown

The ALM enables us to match the funds’ assets and liabilities which are then expressed as a percentage of each member’s final salary at retirement.

Fund investment strategy

When determining the fund’s investment strategy, we carefully analyse the net replacement ratio required for each member, before deciding on the optimal asset allocation and asset manager mix.

Legal screening for strategies

We then consult our legal team before implementing the strategy within the confines of the regulatory framework, providing the trustees with a governance charter that allows them to make investment decisions.

Investment policy statements

All of this information is embedded in a document known as The Investment Policy Statement.

Our asset consulting process

Enabling trustees to achieve better outcomes for fund members

  • 01 Identify objects
  • 02 Formulate strategy
  • 03 Research and manager selection
  • 04 Strategy implementation
  • 05 Monitoring and reporting
  • 06 Investment policy
  • 07 Review
  • 08 Repeat the process

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