The Navigator: Discover Your Investment Path
Let’s find the ETFSA portfolio that matches your financial journey.
Step 1 of 9
Investment Amount
Before we set off on your investment journey, let's understand how much you're looking to invest.
What lump sum did you have in mind?
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Under R25,000
Starting small is a great way to begin your investment journey.
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Over R25,000
A larger investment opens up more portfolio options.
Your Investment Journey Begins
Whether you're travelling to Durban or Doornfontein, every journey begins with understanding where you're headed. It's the same with an investment journey. Picture yourself on an open road stretching out in front of you. How far are you planning to travel?
How long are you planning to invest before you might need access to your money?
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Sho't left (1-3 years)
You prefer to keep your destination local and within sight, as you'll need these funds relatively soon.
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A good day trip (3-5 years)
You're comfortable with a middle-distance journey where you can plan ahead but still see your goal.
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A great trek (5+ years)
You're setting out for the long haul, with distant horizons and plenty of time to explore.
Navigating the Landscape
Whether it's hitting a pothole, taking the wrong turn off or being caught in a Highveld thunderstorm, every journey has its challenges. Some roads are tarred, while others aren't but offer more adventure - and potential rewards. What kind of traveller are you?
When faced with investment ups and downs, how do you typically react?
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I prefer smooth, predictable paths
Market fluctuations make you uncomfortable; you'd rather have steady, reliable progress.
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I can handle some koppies and dongas
You're comfortable with some ups and downs if it's worth it in the end.
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I love off-road drives through tough terrain for the best views
You understand that the most rewarding vistas often come after the steepest climbs.
Planning Your Padkos
What are you looking to gather along your journey? Are you eating biltong and Simba chips along the way, or are you mostly focused on using everything you're carrying for a braai at the end? It's the same with an investment journey: what are you planning to use, and when?
What matters most to you about your investment returns?
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Regular padkos along the way
You value steady income and regular returns from your investment.
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A balance of padkos for now but with enough leftovers for when you get to your destination
You want some ongoing income while still growing your capital for the future.
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A festive braai at your destination
You're focused on maximising capital growth over regular income. The bigger the feast at the end, the better.
Charting Your Territory
Whether you take a short stroll through your neighbourhood or a drive on a 4x4 through Southern Africa, each type of journey offers different experiences and possibilities.
Which landscapes are you drawn to explore with your investments?
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Mzansi for the win
Local is lekker, and you prefer to invest in the South African markets you know and understand.
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A Saffa swallow flying back and forth
You value having exposure to both local South African markets and international opportunities.
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Distant horizons and foreign shores
You're drawn to the potential of global markets and international investment opportunities.
Suitability Check
Before we show your recommendation, we need to check a few things to make sure this investment is right for you.
Is this money you can leave invested for the full time horizon you selected?
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Yes
I can leave this money invested for the full period.
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No
I may need access to this money before the end of the time horizon.
This investment may not be suitable as you may need the funds earlier. Do you still want to continue?
Emergency Fund
Having an emergency fund is an important part of financial planning.
Do you currently have an emergency fund in place?
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Yes
I have an emergency fund set aside.
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No
I do not currently have an emergency fund.
Investing without an emergency fund may not be suitable. We recommend building cash reserves first. You can proceed only if you understand this risk. Do you wish to proceed?
Investment Experience
Understanding your experience level helps us ensure you're comfortable with the recommendation.
How familiar are you with investing in portfolios, ETFs, or unit trusts?
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Beginner
I'm new to investing and still learning.
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Intermediate
I have some experience and understand the basics.
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Experienced
I'm comfortable with different investment products and strategies.
As a beginner investor, it's important to understand that markets will rise and fall over time. Higher-risk portfolios can experience significant fluctuations in value, and staying invested through periods of volatility is often important for long-term success. If you would prefer guidance before making a decision, you can speak to one of our financial advisors.
Your Details
Please provide your details below. We'll use these to generate your personalised record of advice.
View Terms and Conditions
ETFSA Model Portfolio Recommendation Disclaimer
FAIS Compliance Statement – South Africa
ETFSA (Pty) Ltd is an authorised Financial Services Provider (FSP No. 52314) in terms of the Financial Advisory and Intermediary Services Act No. 37 of 2002 ("FAIS Act").
This portfolio recommendation tool provided by ETFSA is designed to assist clients in identifying suitable model portfolios or funds based on your investment amount and preferences across four recommendation parameters:
- Investment time frame
- Risk profile
- Investment objective (capital growth vs. income)
- Offshore exposure preference
The tool also asks about access to the invested funds, emergency savings and investment experience. These suitability checks may produce a warning or prevent an automated recommendation.
Based on these inputs, the tool suggests one or more model portfolios aligned with the stated parameters. In some cases, portfolios may be spliced to achieve a balanced outcome. Certain portfolios may require minimum investment thresholds.
Important Notice:
The recommendations generated by this tool do not constitute financial advice as defined in the FAIS Act. While ETFSA has taken great care to ensure the integrity and relevance of the recommendations, they are based solely on the factual information provided by the client and the predefined objectives of the model portfolios.
Clients are encouraged to seek independent financial advice from a qualified financial advisor if they require assistance in interpreting the recommendations, understanding their personal financial situation, or making investment decisions.
ETFSA does not guarantee future performance, and past returns are not indicative of future outcomes. All investments carry risk, and the value of financial products may fluctuate due to market conditions.
By using this tool, clients acknowledge that they understand the nature and limitations of the recommendations provided and accept full responsibility for any investment decisions made.
For further assistance or to speak with a licensed advisor, please contact ETFSA directly.
We Can't Provide an Automated Recommendation
Based on your answers, an automated portfolio recommendation may not be suitable for you at this time. We recommend speaking with a qualified financial adviser who can provide personalised guidance.
Let's get you on the road.
Leave your details and an advisor will be in touch.