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Fund ​​Solutions

Previously known as
Global Markets Fund Solutions

www.rmb.co.za/investments

 
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Following the move of various RMB investments to Ashburton Investments, all RMB Global Markets Fund Solutions information is available here until further notice. ​A new Ashburton Fund Solutions offering will be available soon.

Niche offering

 

​Ashburton Fund Solutions

​Alternative (non-traditional) investment solutions include a combination of the following:

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Alternative assets (out-of-the-ordinary assets)

Our solutions sometimes include assets that don’t fall into one of the three traditional asset classes (equities, bonds or cash). We use traditional assets in different ways and include assets such as high-quality credit, hedge funds and commodities. Alternative assets were historically the sole domain of institutions but are now more widely available. The appeal of these assets has always been their low correlation to traditional asset returns. By combining traditional with alternative assets, investors can receive better risk adjusted returns over time.

Capital guarantees (protecting downside risk)

Capital protection features are applied to many of our investment solutions to manage risk by protecting capital under adverse market conditions. Protection against large losses over time can contribute to your peace of mind, the stability of your portfolio, and the positive compounding of your returns. These guarantees can either be overlaid into or incorporated within a solution — and funds are available against these guaranteed products at short notice.

Efficient structure

Our alternative investment solutions are provided by way of a performance linked investment account (PLIA). Cash is deposited into the account, and we provide you with a return linked to the reference assets you've chosen. A PLIA is structured in a transparent, flexible and cost-effective way to meet your unique financial goals.

Access to funds

As ​part of the FirstRand Group, we can provide finance against our guaranteed investments. In the event of short-term cash flow needs, you can borrow against your investment without compromising your longer-term return objectives and without incurring breakage fees. 

​Why alternative solutions

 

So much choice out there

Fixed deposits, unit trusts, endowments or life policies? We’re offered numerous investment options by many institutions and all question whether we’re making the right decisions with our hard-earned savings. We know that we need long-term growth that exceeds inflation and that it’s prudent to diversify our portfolio. It can be difficult to do this in a rapidly changing world, within an ever-changing global financial marketplace.

Changing investor trends towards alternatives

The turmoil and regulatory changes following the 2008 – 2009 global financial crisis caused investors to adjust their behaviour. They began sourcing new ways to achieve growth and better methods to protect their capital in the event of another market crash. One of these ways was to invest in alternatives. ​Ashburton Investments is an established niche provider of alternative investment solutions. Global trends suggest that 15% – 30% of your portfolio should be allocated to alternatives and it is estimated that 22% (i.e. US$22.7trillion) of global assets under management will be allocated to alternative assets by 2020.

Alternative assets provide uncorrelated, less volatile returns

Alternative assets fall outside of the definition of the traditional asset classes of equities, bonds and cash. Traditional assets are used very differently within alternative investments and their returns are uncorrelated to market performance. Alternative assets typically include hedge funds (which use financial instruments to protect investors from massive downswings and loss of capital). Alternative asset returns are therefore 'smoother'.

Performance-linked investment account design

We provide alternative investment solutions by way of a performance-linked investment account (PLIA). Cash is deposited into the account, and we provide you with a return linked to a reference asset selected or designed. Designed components include guarantees, specific alternative assets, gearing and access to funds. These accounts are structured in a transparent, flexible and cost-effective way — to meet your unique financial goals.

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Categories​

 

Boutique solutions

Depending on your needs, you can choose a boutique (off-the-shelf) or customisable (bespoke) investment solution. Solutions differ in terms of liquidity, benchmarked returns, assets tracked, and the amount of capital guaranteed. Minimum investment amounts are applicable.

Single asset

RMB Protected Equity
RMB Secure Growth 95

Multiple asset

RMB Structured Plus 90
RMB Structured Plus 100
RMB Protected Flexible 80

Dynamic yield

RMB Cash Enhancer
RMB Cash Index Notice Plus   

Liquidity add-on feature

RMB Liquidity Enhancer

 
   
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  RMB Structured Plus 100
   
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  RMB Liquidity Enhancer

Customised solutions

​Ashburton Investments offers customisable investment solutions to meet your objectives in terms of liquidity, capital protection, investment horizon and diversification. Solutions can be designed to track an index, CIS, equity portfolio or hedge fund; include a capital guarantee (depending on the assets being tracked); and offer gearing of your exposure to the underlying asset. Specialists with access to RMB’s (and the broader FirstRand Group’s) extensive array of financial instruments harness their experience, skills, tools and appetite to create these investment solutions according to your unique requirements. Minimum investment amounts are applicable.

Select

RMB Select
RMB Bespoke

Risk comparison​

 

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Conservative range

RMB Cash Enhancer
RMB Cash Index Notice Plus 
RMB Structured Plus 100

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Balanced range

RMB Structured Plus 90
RMB Protected Flexible 80
RMB Protected Equity 100

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Growth range

Customised solutions (e.g. RMB Select and RMB Bespoke)

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Aggressive range

Customised solutions (e.g. RMB Bespoke)

Benchmark comparison

 

​We offer a focused range of investment solutions suitable for varying investment objectives, investment horizons, diversification needs, income requirements and risk profiles.​​

RMB Structured Plus 100 

CPI + 2%

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Alternative assets, equities, bonds, and cash  > 12-months
RMB Structured Plus 90 

CPI + 3.5%

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Alternative assets, equities, bonds, and cash  > 12-months
RMB Protected Flexible 80 

CPI + 5% and average industry
return of balanced funds

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Alternative assets, equities, bonds, and cash  > 12-months
RMB Protected Equity 100

This differs per equity or
equity index selected

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Equity linked derivatives  > 36-months
RMB Select

This differs per linked
asset selected

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Alternative assets and equities  12-60 months depending on strategy selected
RMB Cash Enhancer

Average return of the large
money market CIS universe

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Cash and corporate credit  > 12-months
RMB Cash Index Notice Plus

SABOR and SteFi

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Cash  > 45 days