RISE Moderate Passive Fund

The strategy

Moderate Passive Fund is a multi-asset, medium-equity balanced solution that targets CPI +5% over a rolling 5-year period. The bundle uses a combination of active asset allocation and passive investing to achieve this goal. The RISE Moderate Passive Fund is a multi-asset, medium-equity balanced solution that targets CPI +5% over a rolling 5-year period. The bundle uses a combination of active asset allocation and passive investing to achieve this goal. Our approach offers the following unique advantages: Outcome Based Strategy - our positioning is optimised against the bundle's CPI + 5% objective using a globally accepted framework. Tactical Asset Allocation - this is used to take advantage of short to medium term opportunities and, more importantly, protect the bundle against short to medium term risks. The asset classes in our investment universe include SA Equities, SA Property, SA Bonds, SA Money Market, Commodities and Global asset classes. Passive Investing - passive investments are used to gain broad market exposure at the lowest possible cost. Specialist and factor ETFs may also be used to enhance returns from time to time. There is a great deal of evidence to suggest that most active managers do not outperform their passive benchmarks over the full market cycle. Diversification - our process ensures that the bundle maintains the highest levels of diversification at all times. RISE has a proven track record in the South African retirement fund industry, and we are excited to bring our institutional solutions to the retail investor. Unlike the RISE CPI+5 Discretionary Bundle, which makes use of active managers and has a recommended minimum investment of R 1000, the RISE Moderate Passive Fund has no recommended investment minimum and is suitable for both small and large investors alike. The RISE Moderate Passive Fund is also available as a tax-free savings product (the RISE CPI+5 TFSA bundle) , but small deviations in positioning and performance may occur due to regulatory differences.

What it costs

Bundle fee

0.85%

Total expense ratio (TER)

Not published

Transaction costs

Not published

Total investment cost (TIC)

0.85%

As at 11 November 2026. The total investment cost (TIC) includes the bundle fee, running costs and transaction costs. You pay the bundle fee up front for the rest of the calendar year when you first invest, then each January.

How a bundle works

A ready-made portfolio, held in your own account, that RISE picks and rebalances for you. Your money buys the shares and ETFs in the bundle, whole and in fractions, and they're held in your account. The manager decides what's in it and when to rebalance; you decide when to buy and sell. There's no lock-in: you can sell any time, except while the manager is rebalancing, which can take up to a business day.

Bundle details

Manager

RISE

Risk range

20-45

Benchmark

CPI+5

Launch date

2020-05-20