We would advise as follows due to the fact that there is no upfront fees with Investonline.co.za we believe that the below portfolio will out-perform a fixed deposit over the next 12-24 months and longer - however this is not guaranteed.:

Allan Gray Stable fund                                    R30 000

Coronation Strategic Income fund          R30 000 

Investec Diversified Income fund            R30 000

Allan Gray Orbis Optimal Fund                  R30 000 

Nedgroup Flexible Income funds                R30 000

The above portfolio are very low risk funds that manage you money between money market funds, government bonds, corporate bonds, listed property funds and gold bullion a long with a very small weighting in blue chip shares.

With inflation effectively trading above the fixed deposit rate in our opinion we feel it is almost as important to consider a negative real return as a risk - as effectively inflation is eating into your capital.

There is no up front fees to the above portfolio, a 0.50% p.a. management fee and you can access your funds at anytime.

You can view the returns of these funds over the last 7 years on our website at www.investonline.co.za

Go to Funds / performance figures