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.

Why this allocation matters

Allocation first. Efficient implementation second.

The portfolio mix determines how your money participates in growth and responds to inflation, currency movements and market declines. Once the allocation is set, costs and index selection determine how efficiently it is implemented.

Allocation

The balance between shares, bonds, cash and gold should reflect the goal, horizon, contributions and safeguards selected above.

Fees

Lower fees leave more money invested and compounding. Small annual differences can have a large effect over a long horizon.

Index choice

An index determines which markets and companies you own, their weights and the concentration of the portfolio. Cheap does not automatically mean suitable.

Allocation sets the journey. Fees determine how much return you keep. The index determines what you own. Read the research-based explanation →

Educational modelling only. This is not personalised regulated financial advice.

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.