PHILOSOPHY AND PROCESS
At 27four Wealth we believe that superior investment performance can be delivered to you through focusing on some key areas:
1. Ensuring that the asset allocation is appropriate for the investment objective.
2. Being cognisant of risk and allocating the risk budget wisely.
3. Choosing specialist managers within each asset class to deliver consistent alpha from a diversified opportunity set.
4. Taking advantage of tactical asset allocation opportunities.
Our value proposition is supported by a sound investment process:
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Design asset allocation
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Conduct rigorous manager due dilligences
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Fund selection
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Portfolio construction
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Ongoing risk management
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Our investment process follows five steps taking us from asset allocation, to manager due diligence, manager selection, portfolio construction and finally on-going risk management of the portfolios. At each step in the process it is about identifying sources of return as well as sources of risk to ensure that we build portfolios that not only deliver on their return expectations but have the highest probability of doing so. Always at the forefront of our minds when making investment decisions is the impact that the decision will have on the overall risk of the portfolio.
RETIREMENT
RETIREMENT
Certainty of financial security at retirement requires conscious planning and commitment. Given the complexities and risks associated with global financial markets and the sheer volume of retirement products available it is imperative that the retirement savings product suitable for you is carefully matched to your profile. Furthermore, the product that you select cannot remain static throughout your pre-retirement years as your appetite for risk decreases as you get older and also depends on your overall personal balance sheet.
At Pioneer Wealth Managers we conduct a liability driven investment strategy to determine the appropriateness of a retirement solution based on your unique circumstances. This is carefully monitored and adjusted over time to mitigate any unwanted risks related to financial markets volatility or changes in retirement and tax regulations.
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At retirement efficient income management is achieved through the use of appropriate investment vehicles designed so that you will be able to sustain the lifestyle that you planned for. Once again there are many different types of annuities and the one that is most suitable for you based on your income requirements needs to be selected.
Through our holistic wealth management process we will assist you during both your pre and post retirement years so that you can retire comfortably and without the fear of outliving your savings.
LONG TERM SAVINGS
An important component of the wealth management process is identifying appropriate long-term investment solutions that will most likely meet your expectations of wealth accumulation. However, this is not an easy task as there are thousands of funds and strategies available in the market.
At Pioneer Wealth Managers we have a large team of experienced investment professionals who conduct exhaustive due diligences, on different funds and strategies both locally and globally in search of skill, consistent delivery of performance and alpha generation capability.
Our clients benefit from our houseview of selected funds that have undergone our rigorous due diligence process. These funds are directly accessible from us or through the many platforms that we are contracted to.
GLOBAL MUTUAL FUNDS
In truly understanding and fully exploiting the well documented benefits of diversification, Pioneer Wealth Managers remains abreast of global economic events and the impact of including international allocations within clients’ investment portfolios. Understanding offshore investments as a strategy is increasingly relevant given South Africa’s modest contribution of less than 1% to total global economic activity.
UNIT TRUSTS
We possess the necessary tools to screen, analyse and due diligence the complete universe of South African registered unit trust funds across the risk and reward spectrum. This allows us to identify the most appropriate products for our clients in a highly regulated environment with clearly defined risk parameters.