Investment Strategies
Our investment strategies blend rigorous macro research with disciplined and independent fund selection. Each strategy targets risk-return outcome over its recommended horizon.
Our investment approach is also designed with cost efficiency in mind. We negotiate competitive fees on behalf of our clients, and any rebates received are passed directly back to them, not retained by Harbour Wealth.
Rand-denominated portfolios
Five investment strategies designed to meet different investment objectives, from preserving capital to pursuing long-term growth, with diversified exposure across local and offshore assets.
Income
This portfolio is ideal for those withdrawing an income on a monthly basis. It is a low risk portfolio where capital preservation is the most important.
Benchmark · ASISA IB SA Money Market
Conservative
Ideal for investors with a two to three-year investment horizon, this low to moderate risk strategy seeks to preserve capital while generating modest growth.
Benchmark · ASISA MA Low Equity
Balanced
Designed for investors with a three to five-year investment horizon, this balanced strategy combines growth potential with capital preservation through diversified exposure to local and offshore equities and property and cash and bonds.
Benchmark · ASISA MA Medium Equity
Growth
A growth-oriented strategy designed for investors with a five-year or longer investment horizon. By remaining invested over the long term, investors are better positioned to navigate market fluctuations and capture the benefits of sustained capital growth.
Benchmark · ASISA MA High Equity
Growth Plus
Designed for investors with a five-year or longer investment horizon, Growth Plus builds on our growth strategy by incorporating alternative investments to enhance diversification.
Benchmark · ASISA MA High Equity
Hard-currency portfolios
Three US dollar-denominated offshore investment strategies designed to provide global diversification and reduce exposure to rand volatility, with performance reported in USD.
Income
Designed for investors seeking US dollar-denominated income or capital preservation over a one to two-year investment horizon, this strategy aims to deliver stable returns by investing in global cash and bonds, with the objective of outperforming traditional cash rates.
Benchmark · EAA Fund USD Flexible Allocation
Cautious
A conservative multi-asset strategy for investors with a three to five-year investment horizon. Meaningful exposure to global bonds, combined with measured equity allocation, aims to provide hard-currency stability while generating modest long-term growth.
Benchmark · EAA Fund USD Cautious Allocation
Growth
Designed for investors with a five-year or longer investment horizon, this equity-focused global strategy combines exposure to developed and emerging markets with alternative investments to enhance diversification and support long-term capital growth.
Benchmark · SOFR Averages 90 Day Yld USD
