Whether your clients are saving for a specific goal, growing a retirement nest egg or investing offshore, your insight into their needs, combined with our disciplined portfolio construction framework, world-class technology, and in-depth market and manager research, enable us to build customised solutions to help them achieve their goals – at whatever stage they find themselves.
The Glacier Invest Hybrid Solutions use a hybrid approach to building portfolios, combining different investment strategies to create a well-balanced mix. Our focus is on risk management, diversification, and return enhancement, ensuring that our portfolios are exposed to the right level of risk while using high-quality managers and keeping fees in check. This disciplined approach aims to deliver superior and consistent outcomes over time.
Our primary goal is to outperform the relative peer group over time while maintaining a similar level of risk. While capital preservation is a consideration, it is not an explicit focus. Instead, our approach seeks to maintain similar levels of volatility, with smaller deviations over time, to enhance returns.
We diversify across various styles—active and passive management, absolute and relative return strategies, large and small managers, and different investment approaches like value, growth, and quality. This blend forms our Strategic Strategy Allocation (SSA), designed to optimise long-term performance.
Our portfolios are built with a long-term view, selecting funds and managers based on our SAA, which is regularly updated to reflect market conditions, regulatory changes, and expected asset class returns. We also make tactical adjustments over time using both active and passive funds to further refine portfolio positioning.
At retirement, the most important decision a client can make is how to best employ their retirement savings to generate an income that will meet their needs for the rest of their life.
At Glacier Invest, we take a progressive approach to living annuity portfolio construction, using contemporary investment instruments and applying an asymmetrical approach to mitigate risk, so your clients have more certainty around income withdrawals as their pace of life slows down.
The Real Income Solutions focus on increasing predictability and consistency of your clients’ income and protecting capital during market downturns. Our solutions are well-diversified, and utilise complementary asset manager strategies to achieve a smoother return profile. While market volatility cannot be controlled, experience and skill can navigate any market storm.
The Glacier Invest Real Growth Solutions are portfolios that are constructed and actively managed to reduce longevity and sequence risk in discretionary investments that are used to supplement income, especially during retirement.
Your clients may plan to use their investment as a source of income one day – whether during or before retirement – and if that is the case, a traditional approach to portfolio construction may not suffice. Investing for the future requires some protection against market downturns and volatility, and investment returns that will keep up with regular withdrawals.
The construction and management of such a portfolio should focus on preserving and growing capital, and on reducing the effects of market volatility on the portfolio.
The Glacier Invest Real Growth Solutions aim to do exactly that.
The Glacier Invest Real Retirement Savings Solution is an actively managed, Regulation 28-compliant portfolio that uses a unique approach to portfolio construction and targets a specific investment return of 5% after accounting for inflation.
Our experienced and diverse investment team is renowned for their in-depth research skills, and exceptional portfolio management track record.
Their focus is on achieving a smoother return profile for your clients through more consistent returns, and mitigating the risk of them not having enough capital for a sustainable income during retirement.
Our portfolio construction aims to counteract the sequence risk and effects of any untimely withdrawal on your clients’ savings, and we also offer your clients a seamless transfer to a Glacier Invest Real Income 5 Solution at retirement.
Navigate International is an international investment solution, built to address your clients’ offshore investment needs. Backed by the collective expertise and combined manager research efforts of the Glacier and Sanlam Investments Multi-Manager (SI:MM) Research teams, Navigate International will appeal to investors who are new to offshore investing and require guidance, as well as seasoned investors who require a more nuanced offshore investment solution.
Our international portfolios are all constructed and managed in accordance with specific risk profiles and investment objectives, with the aim to deliver superior long-term investment returns, regardless of market cycles.
Access to these solutions is available across leading international platforms, including
Glacier International.