Edify is an independent, owner-managed discretionary fund manager
Edify offers model portfolios and multi-managed solutions to financial advisors. We embrace the use of technology, boutique fund managers, and alternative investments to deliver superior risk-adjusted returns for your clients.
Discretionary Fund Management
As an advisor, the increased operational, compliance and risk demands of the Financial Advisory and Intermediary Services (FAIS) Act and Retail Distribution Review (RDR) may detract from your client relations focus. Edify endeavours to allow you to focus more time on revenue opportunities, safe in the knowledge that your client is provided with a superior investment solution.
We offer financial intermediaries a competitive and bespoke offering, backed by our extensive knowledge and expertise in areas such as:
Portfolio construction
02
Portfolio optimisation
03
Fund manager research
04
Risk management
05
Portfolio management
At Edify we believe that a structured and clearly defined investment process is imperative. We also believe that a rigorous and disciplined approach to investing should result in an outcome that is not only consistent, but also repeatable over time.
By utilising our offering, you gain access to the following key benefits
Why Edify
Investment Process
Our priority is to identify the best asset class and risk allocation for your goals.
We optimize this allocation to maximize returns based on your risk profile, using both historical and forward-looking metrics, and consider alternative asset classes, specifically Hedge Funds.
Strategic Asset Allocation
Tactical Asset Allocation
Passive and Active
Combines low-cost passive tracking with fee-based active selection.
Traditional and Alternative
Blends traditional assets with alternative strategies for better risk/return profiles.
Styles and Factors
Analyzes fund managers’ factors, risk premia, and styles to develop complementary investment strategies.
A key aspect of our portfolio construction is selecting top managers to execute the strategies we’ve identified. This requires a deep understanding of available fund managers and choosing only those we deem high quality.
Our approach is rooted in comprehensive research, both in South Africa and internationally, using a qualitative, thorough due diligence process. We evaluate factors such as a manager’s business structure, team dynamics, investment philosophy, process consistency, and risk management.
This holistic approach guides our decisions, avoiding the pitfalls of chasing past performance.
Edify offers wrap fund solutions across the risk spectrum. Additionally, we offer bespoke white labelled solutions.
Local Product Offering
Edify Moderate
The Edify Moderate has a Moderate risk profile that aims to provide investors with a reasonable level of capital growth over the medium term. The primary investment objective is capital growth. Investors in this fund are prepared to tolerate moderate fluctuations in the value of their investments from time to time. The fund will consist of a combination of income and growth assets.
Investment Term
At least 5 Years
Risk Profile
Moderate
Return Focus
Relative
Regulation 28
Yes
Primary Benchmark
(ASISA) South African MA Medium Equity
Secondary Benchmark
CPI + 4%
Risk Benchmark
No negative returns over a rolling 24 month period
Maximum Equity
60%
Maximum Offshore
45%
Edify Moderate Aggressive
The Edify Moderate Aggressive has a Moderate Aggressive risk profile that aims to provide investors with a medium to high level of capital growth over the longterm. The primary investment objective is capital growth. Investors in this fund are prepared to tolerate medium to high fluctuations in the value of their investments from time to time. The fund will consist of a combination of income and growth assets, but will have a biased towards equities.
Investment Term
At least 7 Years
Risk Profile
Moderate Aggressive
Return Focus
Relative
Regulation 28
Yes
Primary Benchmark
(ASISA) South African MA High Equity
Secondary Benchmark
CPI + 5%
Risk Benchmark
Not applicable
Maximum Equity
75%
Maximum Offshore
45%
Edify Strategic Income
The Edify Strategic Income has a cautious risk profile that aims to provide investors with a stable income and a high level of capital stability. The primary investment objective is capital preservation. The probability of capital loss over the medium to long-term is low. The fund will consist of a combination of income and growth assets.
Investment Term
At least 1 Year
Risk Profile
Cautious
Return Focus
Relative
Regulation 28
No
Primary Benchmark
(ASISA) South African MA Income
Secondary Benchmark
CPI + 2%
Risk Benchmark
No negative returns over a rolling 12 month period
Maximum Equity
10%
Maximum Offshore
45%
Edify Stable
The Edify Stable has a Cautious risk profile that aims to provide investors with a stable income and a high level of capital stability. The primary investment objective is capital preservation. The probability of capital loss over the medium to long-term is low. The fund will consist of a combination of income and growth assets.
Investment Term
At least 3 Years
Risk Profile
Cautious
Return Focus
Relative
Regulation 28
No
Primary Benchmark
(ASISA) South African MA Low Equity
Secondary Benchmark
CPI + 3%
Risk Benchmark
No negative returns over a rolling 12 month period
Maximum Equity
40%
Maximum Offshore
45%
Edify Balanced
The Edify Balanced has a Moderate Aggressive risk profile that aims to provide investors with a medium to high level of capital growth over the longterm. The primary investment objective is capital growth. Investors in this fund are prepared to tolerate medium to high fluctuations in the value of their investments from time to time. The fund will consist of a combination of income and growth assets, but will have a biased towards equities.
Investment Term
At least 7 Years
Risk Profile
Moderate Aggressive
Return Focus
Relative
Regulation 28
No
Primary Benchmark
(ASISA) South African MA High Equity
Secondary Benchmark
CPI + 5%
Risk Benchmark
Maximum Equity
75%
Maximum Offshore
45%
Edify Long Term Growth
The Edify Long Term Growth has a Aggressive risk profile that aims to provide investors with a high level of capital growth over the long-term. The primary investment objective is capital growth. Investors in this fund are prepared to tolerate high fluctuations in the value of their investments from time to time. The fund will consist primarily of growth assets.
Investment Term
At least 10 Years
Risk Profile
Aggressive
Return Focus
Relative
Regulation 28
No
Primary Benchmark
(ASISA) Wwide MA Flexible
Secondary Benchmark
CPI + 6%
Risk Benchmark
Maximum Equity
100%
Maximum Offshore
100%
Edify Defensive Hedge
Investment Term
Risk Profile
Return Focus
Regulation 28
No
Primary Benchmark
Secondary Benchmark
N/A
Risk Benchmark
Maximum Equity
100%
Maximum Offshore
100%
Edify Growth Hedge
Investment Term
Risk Profile
Return Focus
Regulation 28
No
Primary Benchmark
Secondary Benchmark
N/A
Risk Benchmark
Maximum Equity
100%
Maximum Offshore
100%
Edify Moderate Tax Free
Investment Term
Risk Profile
Return Focus
Relative
Regulation 28
No
Primary Benchmark
Secondary Benchmark
Risk Benchmark
Not Applicable
Maximum Equity
Maximum Offshore
Edify Aggressive Tax Free
Investment Term
At least 10 years
Risk Profile
Aggressive
Return Focus
Relative
Regulation 28
No
Primary Benchmark
(ASISA) Wwide MA Flexible
Secondary Benchmark
CPI + 6%
Risk Benchmark
Maximum Equity
100%
Maximum Offshore
100%
Global Product Offering
Edify Global Cautious
Aims to provide stable income and a high level of capital stability. The probability of capital loss over the medium to long term is low. The portfolio consists primarily of income-orientated assets with a below-average exposure to equities (maximum of 30%).
Investment Term
Risk Profile
Cautious
Return Focus
Relative
Regulation 28
No
Primary Benchmark
Secondary Benchmark
Maximum Equity
30%
Edify Global Moderate
Investment Term
Risk Profile
Moderate
Return Focus
Relative
Primary Benchmark
Moderate Composite Benchmark
Secondary Benchmark
Maximum Equity
60%
Edify Global Aggressive
Investment Term
Risk Profile
Return Focus
Relative
Primary Benchmark
Secondary Benchmark
Maximum Equity
75%
Edify Engage
Edify Engage is a monthly campaign featuring prominent Fund Managers in South Africa to share their insights and opinions on current developments in the industry. Our aim with #EdifyEngage is to encourage collaboration and knowledge sharing between fund managers and financial advisors.
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Edify
Edify is an independent, owner managed discretionary fund management company based in Paarl, South Africa. Edify offers standard and customised model portfolios across the risk spectrum.
Meet the Investment Team
Adam Bulkin
Chelsea Heath
Christiaan Janse Van Rensburg
Address
3rd Floor, La Concorde Building, Main Road, Paarl, 7646
