Kollektiewe Beleggings


Ons hier by WESFIN glo dat portefeuljesamestellings drie duidelike prosesse moet volg:

  1. Bepaal die belegger se risikoprofiel. Die belegger se risikoprofiel word deur verskeie faktore beinvloed wat nie almal subjektief is nie.
  2. Besluit op 'n gepaste batetoewysing vir die belegger. Die belegger se risikoprofiel bepaal grootliks die batetoewysing van die portefeulje. Die verdeling tussen bateklasse sal 'n beduidende invloed hê op die risiko onderliggend aan die belegging.
  3. Kies geskikte fondse binne elke bateklas.


Batetoewysing gaan oor diversifisering van risiko deur middel van die seleksie van ongekorreleerde bates. Studies toon dat batetoewysing die enkele belangrikste faktor is wat beleggingsopbrengs op lang termyn beinvloed. Batetoewysing behoort jaarliks hersien te word. Indien nodig, moet portefeuljes dan herbalanseer word ten einde binne batetoewysingsriglyne te bly. Die batetoewysing binne die buitelandse komponent van die portefeulje behoort oor dieselfde bateklassebande heen as wat vir die plaaslike toewysing gebruik word, gediversifiseer te word.

Omskrywing van beleggersrisikoprofiele:

Konserwatiewe beleggers verlang stabiele beleggingsgroei of 'n hoë vlak van inkomste. Die hoofbeleggingsdoelwit is kapitaalbeskerming. Hierdie belegger verlang moontlik binne drie jaar toegang tot die belegging.

Versigtige beleggers verlang stabiele groei in sy/haar belegging en is nie gemaklik wanneer die waarde van die belegging daal nie. Die belegger verlang moontlik 'n matige vlak van inkomste en sal waarskynlik 'n beleggingshorison van drie tot vyf jaar hê. Die hoofbeleggingsdoelwit is kapitaalbeskerming.

Gematigde beleggers belê op langer termyn (vyf tot sewe jaar) en benodig geen inkomste nie. Die belegger kan skommelinge in die waarde van van sy of haar belegging van tyd tot tyd duld. Die hoofbeleggingsdoelwit is kapitaalgroei.

Doelgerigte beleggers belê op langtermyn (minstens sewe jaar) en benodig geen inkomste nie. Hierdie belgger is tipies gewillig om meer risiko te aanvaar as 'n gematigde belegger, maar verlang nie volle blootstelling aan aandele nie. Die hoofbeleggingsdoelwit is kapitaalgroei.

Aggressiewe beleggers belê op lang termyn (minstens tien jaar) en verlang die hoogste moontlike groei. Die belegger is tipies gewillig om aansienlike skommelinge in die waarde van sy of haar belegging te aanvaar. Die hoofbeleggingsdoelwit is langtermynkapitaalgroei.

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Investment Principles

When considering investments, the principles below can be considered a good summary (by an external source) of what one should generally bear in mind. We thought of sharing them with you.

  1. Outperforming the market is a difficult task. The challenge is not simply making better investment decisions than the average investor. The real challenge is making investment decisions that are better than those of the professionals who manage the big institutions.
  2. Invest – don’t trade or speculate. The stock market is not a casino, but if you move in and out of stocks every time they move a point or two, the market will be your casino. And you may lose eventually – or frequently.
  3. Buy value, not market trends or the economic outlook. Ultimately, it is the individual stocks that determined the market, not vice versa. Individual stocks can rise in a bear market and fall in a bull market. So buy individual stocks, not the market trend or the economic outlook.
  4. When buying stocks, search for bargains among quality stocks. Determining quality in stock is like reviewing a restaurant. You don’t expect it to be 100% perfect, but before it gets three or four stars you want it to be superior.
  5. Buy low. So simple in concept. So difficult in execution. When prices are high, a lot of investors are buying a lot of stocks. Prices are low when demand is low. Investors have pulled back, people are discouraged and pessimistic. But if you buy the same securities everyone else is buying, you’ll have the same results as everyone else. By definition you can’t outperform the market.
  6. There’s no free lunch. Never invest on sentiment. Never invest solely in a tip. You would be surprised how many investors do exactly this. Unfortunately there is something compelling about a tip. Its very nature suggest inside information, a way to turn fast profit.
  7. Do your homework or hire wide experts to help you. People will tell you investigate before you invest. Listen to them. Study companies to learn what makes them successful.
  8. Diversify – by company, by industry. In stocks and bonds, there is safety in numbers. No matter how careful you are you can neither predict nor control the future, so you must diversify.
  9. Invest for maximum total return. This means the return after taxes and inflation. This is the only rational objective for most long-term investors.
  10. Learn from your mistakes. The only way to avoid mistakes is not to invest – which is the biggest mistake of all. So forgive yourself for errors and certainly don’t try to recoup losses by taking bigger risks. Instead, turn each mistake into a learning experience.
  11. Aggressively monitor your investments. Remember no investment is forever. Expect and react to change. And there are no stocks that you can buy and forget. Being relaxed doesn’t mean being complacent.
  12. An investor who has all the answers doesn’t even understand the questions. A cocksure approach to investing will lead, probably sooner than later, to disappointment if not outright disaster. The wise investor recognises that success is a process of continually seeking answers to new questions.
  13. Remain flexible and open-minded about types of investment. There are times to buy Blue-chip stocks, cyclical stocks and convertible bonds, and there are times to sit on cash. The fact is there is no one kind of investment that is always best.
  14. Don’t panic. Sometimes you won’t have sold when everyone else is selling and you will be caught in a market crash. Don’t rush to sell the next day. Instead, study you portfolio. If you can’t find more attractive stocks, hold on to what you have.
  15. Do not be fearful or negative too often. There will, of course, be connections, perhaps even crashes. But over time our studies indicate stocks do go up… and up.. and up. In this century or the next, it’s still “Buy low, sell high.”

The information contained in this document is provided for information purposes only and to assist the financial intermediary to submit an investment proposal to the client and should not be construed as the rendering of investment advice to clients. Glacier Financial Solutions (Pty) Ltd accordingly accepts no liability whatsoever for any direct, indirect or consequential loss arising from the use or reliance, in any manner, of the information provided in this document.

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