DISCIPLINED PORTFOLIO CONSTRUCTION FOR LONG-TERM WEALTH

Wenru Managed Wrap Funds

Professionally managed portfolios designed to provide diversification, structure and simplicity.

A SIMPLIFIED APPROACH TO INVESTING

Managed wrap funds provide access to professionally constructed portfolios within a single, streamlined investment structure.

They simplify the investment process while maintaining diversification, active management, and ongoing oversight.

HOW IT WORKS

Portfolio Construction

Assets are allocated across multiple asset classes based on a defined strategy.

Professional Management

Portfolios are actively managed and adjusted as market conditions evolve.

Diversification

Exposure is spread across sectors, asset classes and regions to manage risk.

Ongoing Oversight

Performance and positioning are continuously reviewed.

KEY BENEFITS

WHO THIS IS SUITED FOR

Managed wrap funds are suited to investors seeking a structured, professionally managed solution without the complexity of managing individual investments directly. They are particularly effective for clients looking for simplicity, diversification and ongoing portfolio oversight within a single investment structure.

Institutional Investment Platform

Wenru Managed Wrap Funds combine carefully selected underlying investment managers into structured, risk-profiled portfolios.

Implementation takes place on the Sanlam Glacier platform, providing institutional-grade administration, reporting and regulatory oversight while preserving independent portfolio construction.

Rather than selecting individual unit trusts in isolation, portfolios are constructed around defined investment mandates and monitored continuously.

STRUCTURED WITHIN A BROADER STRATEGY

Wrap funds are not used in isolation. They form part of a broader investment strategy, aligned with each client’s financial objectives, risk profile and long-term planning requirements.

Conservative / Income Focus

LOW RISK

Designed for investors prioritising capital preservation and stable income.

Wenru Flexible Income fund

The wrap fund aims to provide investors with a high level of income over the short term. The preservation of capital is of primary importance. The fund will consist primarily of income orientated assets with limited exposure to equities (maximum of 10%). Investors in this fund have an investment horizon of a minimum of 1 year. The fund is compliant with Regulation 28 of the Pension Funds Act, 1956.

Objective: High level of income over the short term

Risk Profile: Conservative
Minimum Horizon: 1 year or longer
Regulation 28: Yes

Wenru Cautious Fund

The wrap fund aims to provide investors with stable income and a high level of capital stability. The probability of capital loss over the medium to long term is low. The fund will consist primarily of income orientated assets with a below average exposure to equities (maximum of 40%). Investors in this fund should have a minimum investment horizon of 3 years. The fund is compliant with Regulation 28 of the Pension Funds Act, 1956.

Objective: Stable income with high capital stability
Risk Profile: Cautious
Minimum Horizon: 3 years
Regulation 28: Yes

Wenru Non-Reg 28 Cautious

The wrap fund aims to provide investors with stable income and a high level of capital stability. The probability of capital loss over the medium to long term is low. The fund will consist primarily of income orientated assets with a below average exposure to equities (maximum of 40%). Investors in this fund should have a minimum investment horizon of 3 years. The fund is not compliant with Regulation 28 of the Pension Funds Act, 1956.

Objective: Stable income and capital preservation with enhanced flexibility
Risk Profile: Cautious
Minimum Horizon: 3 years
Regulation 28: No

Moderate Growth

BALANCED

Balanced portfolios targeting long-term growth with controlled volatility.

Wenru Moderate Fund

The wrap fund aims to provide a reasonable level of capital growth over the medium term. Investors in this fund are prepared to tolerate moderate fluctuations in the value of their investment over the short term. The fund will be diversified across all major asset classes with an average exposure to equities (maximum of 60%). Investors in this fund should have a minimum investment horizon of 3 years or longer. The fund is compliant with Regulation 28 of the Pension Funds Act, 1956.

Objective: Stable income and capital preservation with enhanced flexibility
Risk Profile: Moderate
Minimum Horizon: 3 years
Regulation 28: Yes

Growth / Moderate Aggressive

GROWTH

Designed for investors seeking higher long-term capital growth with a greater allocation to growth assets.

Wenru Moderate Aggressive

The wrap fund aims to provide a high level of capital growth over the long term. Investors in this fund are prepared to tolerate high fluctuations in the value of their investment over the short term. The fund will be diversified across all major asset classes with a bias towards equities (maximum of 75%). Investors in this fund should have a minimum investment horizon of 5 years. The fund is compliant with Regulation 28 of the Pension Funds Act, 1956

Objective: High level of capital growth
Risk Profile: Moderate Aggressive
Minimum Horizon: 5 years
Regulation 28: Yes

Wenru Non-Reg 28 Mod Aggressive

This wrap fund aims to provide a high level of capital growth over the long term. Investors in this fund are prepared to tolerate high fluctuations in the value of their investment over the short term. The fund will be diversified across all major asset classes with a bias towards equities (maximum of 75%) and can invest in foreign markets (up to 40%). Investors in this fund should have a minimum investment horizon of 5 years. The fund is not compliant with Regulation 28 of the Pension Funds Act, 1956.

Objective: High level of capital growth
Risk Profile: Moderate Aggressive
Minimum Horizon: 5 years
Regulation 28: No

Wenru 5.0% Real Income Fund

The Real Income solution aims to provide investors with a level of income that is consistent with the associated risk of a long-term investment. The preservation of capital is extremely important to ensure continued income security. The solution will use strategies that increase overall downside protection while at the same time seeking to share in upside returns. However, the benchmark used by this portfolio has significant exposure to riskier strategies that can lead to capital losses in the short term. The solution may also be exposed to Retail Investment Hedge Funds, a multistrategy alternative fund, and a smoothed bonus fund. Smoothed bonus funds declare monthly bonuses in a way that helps reduce short-term volatility. Investors in this solution should have an investment horizon of seven years or longer. The solution is not compliant with Regulation 28 of the Pension Funds Act, 1956

Objective: Moderate to high levels of income withdrawals from their living annuity
Risk Profile: Moderate Aggressive
Minimum Horizon: 5 years
Regulation 28: No

Aggressive / High Growth

HIGH GROWTH

Portfolios targeting maximum long-term growth through a higher allocation to equity and growth-oriented investments.

Wenru 6.0% Real Income Solution

The wrap fund aims to provide investors with a level of income that is consistent with the associated risk of a long-term investment. The preservation of capital is extremely important to ensure continued income security. The fund will use strategies that increase overall downside protection while at the same seeking to share in upside returns. However, the benchmark used by this portfolio has significant exposure to riskier strategies that can lead to capital losses in the short term. The fund may also be exposed to Retail Investment Hedge Funds as well as offered together with a smoothed bonus funds. Smoothed Bonus funds smooth investment returns by way of monthly bonus declarations, in order to help reduce short term volatility. Investors in this fund should have an investment horizon of 7 years or longer. The fund is not compliant with Regulation 28 of the Pension Funds Act, 1956

Objective: High levels of income withdrawals from their living annuity
Risk Profile: Aggressive
Minimum Horizon: 7 years
Regulation 28: No

Wenru Flexible Fund

The wrap fund aims to provide a high level of capital growth over the long term. Investors in this fund are prepared to tolerate high fluctuations in the value of their investment over the short term. The fund will be diversified across all major asset classes with a strong bias towards equities (maximum of 100%) and can invest in South African and/or foreign markets up to 100% either way. Investors in this fund should have a minimum investment horizon of 5 years or longer. The fund is not compliant with Regulation 28 of the Pension Funds Act

Objective: High level of capital growth over the long term

Risk Profile: Aggressive
Minimum Horizon: 5 years or longer
Regulation 28: No