SOLUTIONS & OFFERINGS

Investment solutions, built around your goals.

Goals-driven portfolios for retirement funds, medical schemes and institutional investors. Designed, implemented and managed under one roof, so that institutional-grade investing never becomes your operational burden.

Explore the full scope of our offering:
Funds
Advise
Assets
Tools
Philosophy
OUR SOLUTIONS

Every investment solution starts with the same question: what must this capital achieve?

As progressive investment specialists, we begin with the obligation your fund carries; a pension promise, a solvency requirement, a strategic reserve, and build a goals-driven solution to meet it. The technical complexity stays on our side, not yours.

01

Retirement funds

Standalone and umbrella funds, from investment strategy through to fully implemented portfolios that move with each member's life stage. One partner, accountable from strategy to outcome.
02

Medical aid & scheme assets

Reserve and scheme assets are managed to the liquidity, capital and regulatory requirements of healthcare funders, so reserves work harder without compromising the cover they exist to protect.
03

Balance-sheet assets

Corporate and institutional capital structured around defined objectives and board-approved risk appetite, supported by governance-grade reporting that stands up to CFO and audit-committee scrutiny.
04

Retail model portfolios

Institutional-quality portfolio management for financial advisers and their clients, combining goals-driven investment performance, active oversight and ongoing manager research across leading retail investment platforms.
05

Tactical asset allocation

A long, proven track record of tactical overlays that act on short- to medium-term market anomalies — within risk levels defined in advance. Forward-looking signals dial exposure down as market uncertainty rises.
FUNDS

One goal.

Three purpose-built funds.

Behind every Mentenova retirement solution is a proven fund range built to achieve the fund’s CPI+ goal, and empowered by our planning tools. Members experience one seamless journey as we manage every transition in the background; whether growing their financial future, steadying it as retirement nears, or making it last once they get there. 

ACCUMULATION

Wealth Builder

EARLY + MID CAREER
The growth engine of the range. Built to grow retirement capital across a working lifetime, while time is on the member's side.
PRE-RETIREMENT

Wealth Stabiliser

MID CAREER
As retirement comes into view, members transition here, steadily consolidating the growth of a working lifetime, so the goal stays on course through the final approach.
PRESERVATION

Wealth Protector

LATE CAREER
As retirement draws closer, the focus shifts towards greater certainty. Wealth Protector is designed to reduce exposure to unexpected market movements, increasing confidence in the expected outcome at retirement.
WHERE COMPLEXITY ENDS, OUTCOMES BEGIN.

Not sure which solution

fits your fund?

Start with a goals-led strategy session. We'll map your fund's obligations to the right solution, and handle the complexity from there. 
Start the Conversation
FUND PERFORMANCE

Performance, measured

against the goal.

Every Mentenova fund is tracked against the objective it was built to meet - not a peer average. Explore the record for yourself.

View Our Funds
GROWTH

Wealth Builder

Objective: CPI + 7% over 6 years

15.3%

Rolling 6-year return to 30 June 2026, annualised

+1.1%

Ahead of the composite benchmark (14.2%)

View Fund
CONSOLIDATION

Wealth Stabiliser

Objective: CPI + 5% over 3 years

14.5%

Rolling 3-year return to 30 June 2026, annualised

+0.1%

Ahead of the composite benchmark (14.4%)

View Fund
PRESERVATION

Wealth Protector

Objective: CPI + 3% over 1 year

15.8%

Rolling 1-year return to 30 June 2026, annualised

+1.0%

Ahead of the composite benchmark (14.7%)

View Fund
HOW IT'S BUILT

Nine building blocks.

One coherent portfolio.

Every solution is assembled from nine asset-class building blocks; five local, four offshore. You receive a single, coherent portfolio while we handle the construction, blending and rebalancing.

THE ARCHITECTURE
09
purpose-built building blocks

Five local. Four offshore. Selected, blended and rebalanced as one.

LOCAL / 5
  • Local equity
  • Inflation-linked bonds
  • Local cash
  • Local bonds
  • Local property
OFFSHORE / 4
  • Global equity
  • Global property
  • Global bonds
  • Global cash
ONE MANDATE
One coherent
portfolio.

Built around the goal.

ESTABLISHED RANGE OR BESPOKE. BOTH PURPOSE-BUILT.
Established solution range

Proven, cost-effective portfolios with a performance history that welcomes full trustee scrutiny.

Bespoke mandate

For more complex objectives: private markets, impact investments, portable alpha, tactical allocation - or individual blocks supplied on their own.

ADVISORY & IMPLEMENTATION

From strategy to outcome.

No gaps. No hand-offs. No excuses.

Independent advice underpins every solution we deliver. Our advisory team makes sure the strategy is right before, during and after implementation. Consulting is not a separate product line; it's how we keep every solution honest and aligned to the goal. And because strategy and execution live under one roof, nothing gets lost between the recommendation and the result.

Investment strategy & IPS

Strategic asset allocation mapped to your fund's obligations.

Governance & manager research

Independent selection, due diligence and ongoing monitoring.

Reporting & regulation

Board-ready reporting, and assured navigation of COFI and Regulation 28.
SPECIALIST DEPTH

A specialist team small enough to know your fund by name, with more than 275 years of collective investment experience behind it.

Start the Conversation
PLANNING TOOLS

Tools that make the goal personal.

Two proprietary tools bring the goals-led philosophy down to the individual member. They're high-touch differentiators offered within a managed relationship - proof of how we work, not products we sell on their own.

MEMBER-FACING

Plan My Benefits

Member-level retirement projections built from real fund data, salary, contributions and time to retirement, modelled toward a 75% replacement-ratio target. So that every member can see, in Rands, whether they're on track.
INTERMEDIARY-FACING

Plan My Life

Goals-based planning that looks beyond the fund, factoring in assets held elsewhere to help intermediaries plan toward whole-of-life goals, not just a fund balance.
CASE STUDIES

Results that change retirements

From a 22.9% replacement ratio to 70%. See how consistent strategy pays off for real members.

View Success Story
THE MENTENOVA DIFFERENCE

The principles behind

every portfolio and piece of advice.

Every investment decision we make is guided by a clear set of principles. They shape how we construct portfolios, manage risk, select managers and measure success, bringing consistency, transparency and discipline to every mandate.

01
Goals lead. Performance follows.
Every portfolio is purpose-built to meet a defined investor goal, not to track an arbitrary peer group or benchmark. We measure everything against that goal, and stay accountable to it long after the mandate is signed.
02
Risk, managed against the goal.
We manage risk relative to what your fund must achieve, pursuing growth where time allows it, and protecting capital where the goal demands it. The right risk, at the right stage, for the right reason.
03
Honest about the fees. Accountable for the outcome.
Cost-plus, fully disclosed fees. You see what we charge, why we charge it, and what it buys - no fees buried inside fees.
04
Hybrid active + passive.
Active management where it demonstrably adds value; passive efficiency where it does not. Every fee must justify its contribution to the goal.
05
The best of the market, under one mandate.
26 underlying strategies from specialist managers, independently researched and combined - conviction across the investment landscape, not a single house view.
06
Built with transformation in mind.
Significant black-owned representation across our underlying managers, and a Level 1 B-BBEE rating of our own.
Download Our Investment Philosophy
CONTACT

When you're
ready, let's talk.

This is a relationship business. If you'd like to understand your fund's goals more clearly, or pressure-test the plan you already have, we'd welcome the conversation.

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We won’t share your details with third parties.

Goals-driven investment performance. South Africa's progressive investment specialist for institutional decision-makers.
FSCA FSP 43937 · B-BBEE Level 1 · Est. 2012
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