Funds

The Granate SCI Money Market Fund

This fund aims to provide a higher level of income than short-term fixed deposits and call accounts over time.

It is suitable for investors who are seeking an alternative to bank deposits or a short-term investment with quick access to their money.

The focus is on capital preservation and stable returns. However, fund returns will move according to prevailing market interest rates. These rates are largely driven by the repo rate set by the South African Reserve Bank.

Investable universe

South African short-term money market instruments with maturities of less than 13 months issued by banks and other institutions

ASISA category

South African - Interest
Bearing - Money Market

Interest rate risk

Very low but will fluctuate with prevailing market rates

Term & horizon

90 - 365 days
Short

Benchmark

Alexander Forbes Short-Term
Fixed Interest (STeFI)
Composite Index

Credit risk

Low

Interested?

Download the necessary documentation or contact us for more information.

Invest in this fund

The Granate SCI Multi Income Fund

This fund aims to deliver consistent positive returns above money market rates over periods of 18 months and longer. The explicit goal is 1% above prevailing market cash rates with no negative returns over rolling three-month periods.

To generate higher returns than money market rates, the fund takes on moderate risk. This is done by investing in a diverse range of income-generating investments that typically have a longer time to maturity than money market investments. We manage this risk by doing thorough research on all instruments in which we invest. These may include cash, government bonds, corporate bonds, inflation-linked bonds, listed property or preference shares.

This fund is suitable to investors who require consistent returns above money market rates with minimal downside risk, and who do not require regular liquidity.

Investable universe

Fixed interest, property and preference shares with an explicit focus on credit as an asset class.

ASISA category

South African - Multi Asset - Income

Interest rate risk

Low but will fluctuate with prevailing market rates.

Term & horizon

Flexible
Short to medium

Benchmark

Alexander Forbes Short-Term
Fixed Interest (STeFI)
Composite Index +1%

Credit risk

Moderate

Interested?

Download the necessary documentation or contact us for more information.

Invest in this fund

The Granate SCI Balanced Fund

This fund is suitable for individuals who are investing for the long term and are seeking capital growth. It aims to deliver inflation + 5% over periods of 10 years and longer.

The fund could be significantly invested in shares at times, resulting in volatility.

It is managed to comply with the prudential guidelines for South African retirement funds. However, to enjoy retirement fund tax benefits, it must be accessed via a retirement product. Total exposure to shares may not exceed 75% and aggregate offshore exposure may not exceed 30%.

Investable universe

Shares, property, preference shares, bonds, cash and cash-equivalents.

ASISA category

South African - Multi Asset - High Equity

Interest rate risk

Low

Term & horizon

Long-term investment for individuals who are building their savings

Benchmark

CPI + 5%

Credit risk

Moderate to high

Interested?

Download the necessary documentation or contact us for more information.

Invest in this fund

The Granate SCI Flexible Fund

This fund is suitable for individuals who are investing for the long term and are seeking capital growth. It aims to deliver inflation + 6% over periods of 10 years and longer.

The fund could be significantly invested in shares at times, resulting in volatility.

It is allowed to be fully invested in shares. Aggregate offshore exposure will not exceed 30%.

Interested?

Download the necessary documentation or contact us for more information.

Invest in this fund