Goal-based asset allocation

Build around the goal.
See the trade-offs.

Compare a growth-oriented allocation with incremental confidence, downside and macro-resilience safeguards.

Your goal

All monetary values are in today's rands.

Account Platform Goal amount R Already invested R Monthly contribution R Horizon years Current age Annual taxable income R

02 Add safeguardsEach option includes the safeguards above it. Higher confidence Require at least a 75% modelled chance of reaching the goal. Downside protection Add a tail-shortfall limit and require a meaningful defensive allocation. Macro resilience Experimental Test success across inflation and growth regimes, with 5–10% gold.

The portfolio will be sold to fund the goal at the end of the horizon.

Your recommendation will appear here

Enter a goal and select the safeguards that matter to you.

How the recommendation works

A constraint first, wealth second approach.

Define success

Your goal, contributions, account, horizon, tax and cost assumptions define the problem.

Apply safeguards

Only portfolios satisfying the selected probability, tail and allocation rules remain eligible.

Maximise useful wealth

Among eligible portfolios, the engine maximises median real surplus after reaching the goal.

Important: This calculator provides educational modelling, not personal financial advice or a guarantee. Macro resilience is an experimental scenario analysis. Taxes, product availability, fees and Regulation 28 compliance must be confirmed before implementation.