Asset Management

Harvard House Investment Management (Pty) Ltd is a private client asset manager, serving primarily the local Natal Midlands market, but with an increasing presence in the larger metropoles of Johannesburg, Durban and Cape Town as well. The investment philosophy of growth at a reasonable price, with a heavy emphasis on income and importantly, increasing income yields over time, has proved popular with both retirees who are looking to live off their investments, and younger investors who appreciate the benefit of growth through compounding income.

Our range of products include:

  1. Tailored discretionary portfolios, covering both local and offshore markets.
  2. Tailored investment portfolios within non-discretionary, regulated products, such as living annuities, retirement annuities and preservation funds.
  3. Unit trusts
  4. Tax free savings accounts

Private Clients

Private client wealth management is a core focus of the Harvard House Group. Years of experience has proved that our investment philosophy of growth at a reasonable price, with a heavy emphasis on increasing income yields over time, is a consistent and guaranteed methodology to accumulating long term wealth.

Each client is an individual with specific needs and requirements, and we treat each client as such. Whether its long-term growth for retirement, income to meet monthly living, or any combination of the above, we will tailor a specific investment portfolio to meet your needs, based on our tried and proven investment philosophy.

Local Discretionary Share Portfolio

A Local Discretionary Share Portfolio is simply the term given to a portfolio of investments over which we, being the Asset Manager, have discretion. In other words, we have the authority to manage the portfolio, within the provisions of the chosen mandate, and make any alterations necessary due to changing circumstances, either economic or personal, in order to achieve your investment objectives.

Key Benefits of a Discretionary Share portfolio are as follows:

  1. Tailored made portfolio construction
  2. Transparency
  3. Flexibility
  4. Accountability
  5. Value for Money

Foreign Discretionary Share Portfolio

A Foreign Discretionary Share Portfolio is simply the term given to a portfolio of investments, in hard currency (Pound, Dollar, Euro) invested on foreign markets (UK, Us, Europe & Asia) over which we, being the Asset Manager, have discretion. In other words, we have the authority to manage the portfolio, within the provisions of the chosen mandate, and make any alterations necessary due to changing circumstances, either economic or personal, in order to achieve your investment objectives.

Key Benefits of a Foreign Discretionary Share portfolio are as follows:

  1. Tailored made portfolio construction
  2. Protection from Rand devaluation
  3. Diverse investment choice
  4. Transparency
  5. Flexibility
  6. Accountability
  7. Value for Money

Collective Investment Schemes

Harvard House Investment Management has three Collective Investment Schemes, broadening their offering to clients, and offering additional flexibility to meet individual client requirements:

  • Harvard House BCI General Equity Fund offers investors a long-term growth portfolio, based on our tried and proven investment philosophy of growth at a reasonable price, with a focus on growing the income yield consistently over time.
  • Harvard House BCI Flexible Income Fund is a more conservative fund that offers investors primarily an income-based portfolio with moderate capital growth over time. This fund is suitable for investors who are low risk or who require a regular income stream.
  • Harvard House BCI Property Fund offers investors a focused property investment that caters for those investors seeking an income but also for growth in that income ahead of the prevailing inflation rate. It is suitable for retired investors or those seeking a less volatile investment than a general equity fund.
  • Harvard House BCI Worldwide Flexible Fund is a worldwide flexible portfolio that aims to deliver a moderate to high long term total return.

All funds are regulated by the Financial Services Conduct Authority (FSCA) of South Africa and regulated by the Collective Investment Schemes Act. They are white labelled products registered under the Boutique Collective Investments Schemes license.

BCI General Equity Fund Overview

Fund manager: Michael Porter & Willie Pelser
Asset classes: South African equities
Benchmark: FTSE/JSE All Share Index
Distribution dates: 28 February and 31 August
Fees:   Annual 0.95% (excl VAT)
Initial Maximum of 3.25%, no initial fee applicable to HH Clients

Fund Fact Sheets – click here to download  (649kb)

Application Form – Individuals –  click here to download  (1593kb)

Application Form – Institutional Investors/Legal Entities – click here to download  (1711kb)

Harvard House BCI Flexible Income Fund Overview

Fund manager: Willie Pelser & Michael Porter
Asset classes: South African fixed income security

ties, preference shares, listed property and cash
Benchmark: BEASSA Albi (1-3 year subindex) Index
Distribution dates: 28 February, 31 May, 31 August and 30 November
Fees:   Annual 0.95% (excl VAT)
Initial Maximum of 3.25%, no initial fee applicable to HH Clients

Fund Fact Sheets – click here to download (673kb)

Application Form – Individuals –  click here to download  (1593kb)

Application Form – Institutional Investors/Legal Entities – click here to download  (1711kb)

Harvard House BCI Property Fund Overview

Fund manager: Roy Lamb and Michael Porter
Asset classes: South African listed property
Benchmark: FTSE/JSE Listed Property Index (SAPY)
Distribution dates: 28 February, 31 May, 31 August, 30 November
Fees:   Annual 0.95% (excl VAT)
Initial Maximum of 3.25%, no initial fee applicable to HH Clients

Fund Fact Sheets – click here to download (453kb)

Application Form – Individuals – click here to download (1593kb)

Application Form – Institutional Investors/Legal Entities – click here to download (1711kb)

After printing and signing the BCI Unit Trust application form, email or fax the completed form together with the necessary FICA requirements for processing directly to BCI.

Please fax the required documents to the Client Service Centre at (011) 263 6152, or email instructions@bci-transact.co.za.

For future investment related enquiries, contact BCI directly on (021) 007 1500/1/2 or email clientservices@bcis.co.za.

Harvard House BCI Worldwide Flexible Fund Overview

Fund manager: Michael Porter
Asset classes: Worldwide Multi Asset Flexible
Benchmark: 60% FTSE/JSE Capped All Share index (J303T) and 100% MSCI All Countries index
Distribution dates: 28 February and 31 August
Fees:   Annual 1.09% (incl VAT). Initial Maximum of 3.45%, no initial fee applicable for HH Clients

Fund Fact Sheets – click here to download (489kb)

Application Form – Individuals – click here to download (1593kb)

Application Form – Institutional Investors/Legal Entities – click here to download (1711kb)

After printing and signing the BCI Unit Trust application form, email or fax the completed form together with the necessary FICA requirements for processing directly to BCI.

Please fax the required documents to the Client Service Centre at (011) 263 6152, or email instructions@bci-transact.co.za.

For future investment related enquiries, contact BCI directly on (021) 007 1500/1/2 or email clientservices@bcis.co.za.

Alternatively, you can opt to become a client of Harvard House, and we will advise you on which of the three Funds will best suit your financial needs and objectives.

We will also ensure that the application forms are properly completed, submitted to BCI and that all issues relating to financial compliance are attended to.

The financial compliance documentation and application forms will be emailed to you directly. You can call us on (033) 330 2164 and we will refer you to one of our Financial Advisors to guide you through this process.

Disclaimer

The HHIM Collective Investment portfolios are registered under the Boutique Collective Investments Schemes license. Custodian: Standard Executors & Trustees: Tel (021) 401-2286. Collective Investments are generally medium to long term investments. The value of participating interests may go down as well as up and past performance is not necessarily a guide to the future. Collective Investments are traded at ruling prices and can engage in script lending. Forward pricing is used. Commission and incentives may be paid and, if so, are included in the overall cost. This fund may be closed to new investors. Collective Investment prices are calculated on a Net Asset Value basis and auditor’s fees, bank charges, trustee and RSC levies are levied against the portfolio. The portfolio manager may borrow up to 10% of portfolio NAV to bridge insufficient liquidity. Boutique Collective Investments is a member of the ACI and is an authorised Financial Services Provider. Should you have any further queries or complaints please contact: Boutique Collective Investments Ltd Call Centre, Tel: +27 (0)21 410 6000, Fax: +27 (0)21 421 8085, 9th Floor, 22 Bree Street, Cape Town, South Africa. Email: fundinfo@efgroup.co.za. For your information, the FAIS ombudsman provides an independent and objective advisory service. Should you not be satisfied with the outcome of a complaint handled by Boutique, please write to, The Ombudsman, PO Box 74571 , Lynnwoodridge, 0040. Telephone (012) 470 9080/99. Fax (012) 348 3447.  Email: info@faisombud.co.za

How to engage