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molo.page
16 Apr 2025
Understanding investment switches: When (and why) to rebalance your portfolio
Market fluctuations and life changes mean your retirement fund’s investment strategy might need tweaking. Here’s how to decide when to switch:
1. What is an investment switch?
This is changing how your pension fund is invested (e.g., moving from high-risk equities to stable income funds).
2. When to consider switching
- Nearing retirement: Shift to lower-risk options like bonds or cash to protect your capital.
- Market volatility: If you’re losing sleep over JSE swings, a more balanced portfolio may suit you.
- Life changes: Marriage, children, or buying a home may mean you need stable growth.
3. How to assess your risk profile
Most funds offer a questionnaire to determine your risk appetite (e.g., “aggressive” vs. “conservative”). Re-take this every 2–3 years.
4. Watch for fees
Some funds charge switch fees (e.g., 0.5% per transaction). Frequent switches can erode returns.
Next steps
Unsure about your risk profile? Book your free 45-minute session with me today using the Contact button above.
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