What is Target Date Portfolio?

We all reach a point in our lives when we decide to buckle down, set a goal and achieve it. Then, we set up grand plans and ‘to-do lists’ that will propel us towards achieving these personal or professional goals. However, over time, we find that nothing seems to happen. We have great ideas and intentions, but somehow we never quite achieve the desired goal.

To achieve a target, you must first prioritize your goals and recognize which ones require immediate action (short term) and which will have profound effects on your life (long term). As you identify your goals and their benefits, you must keep them in plain view, set a date when you expect to achieve them and PURSUE! 

Thus, the Target Date Portfolios are created to focus on groups of investors with similar time horizon to achieve a set goal, taking into consideration current financial status, return requirement, risk tolerance and so on. Investment in any of the portfolios follows a disciplined approach and is locked in for the duration of the portfolio.

This Product is for...

• Investors who have a specific, long term target date to complete/begin a project such as retirement, property purchase, start-up capital for business, dream vacation (World Tour, Euro Tour, U.S Tour), Education, Wedding, etc.

• Investors willing to adhere to the disciplined strategies of the portfolios (unfailing monthly/quarterly/annual funding without withdrawals for the portfolio duration).

• Investors with a range of risk profiles from conservative to aggressive.

Features and Benefits

• Professional management of your investment, while you work and plan towards target objective.

• Reduced risk through portfolio diversification, rather than over exposure to one asset class.

• Flexible contributory plan (monthly, quarterly, or annually).

• Minimum principal contribution spread across a preferred horizon is NGN10 million.

• The contributory plan and horizon impacts return expectations.

• The structure of the target date portfolios allows easy graduation to the next, more suitable portfolio if your target date extends.


OUR TARGET DATE PORTFOLIOS
TDP 2021 TDP 2026 TDP 2031 - TDP 2066
Investment Horizon 5 years 10 years 15 years
Strategy Conservative Aggressive Highly Aggressive
TDP 2021: This portfolio focuses on investors who plan to achieve a goal by year 2021. This implies a five-year tenor and a conservative strategy of capital preservation and income.

TDP 2026: This portfolio focuses on investors who plan to achieve a set target after year 2021, or within a 10-year horizon (2026). Due to the longer time horizon, the portfolio strategy is more assertive and invested in riskier assets to increase return expectation on the portfolio.

TDP 2031 - TDP 2066: These portfolios focus on investors who have a goal to achieve in ten years’ time and beyond. Based on the longer term horizon, the strategies and allocations become highly aggressive to ensure maximum return. These portfolios also have higher risk exposures.


Asset allocation across the periods are as follows:

Allocations vary depending on the target date. There is a suitable portfolio for every investor.


Subscription

• Fill the subscription form (download or fill online)
• Credit MWML dedicated bank account, reference TDP 2021, TDP 2026, TDP 2036 etc. depending on appropriate portfolio for subscription.

Bank: Stanbic-IBTC Bank Plc
Account Name: Meristem Wealth Management Limited
Account Number: 0015857887

Reporting

Portfolio performance can be viewed on the website. Quarterly reports will also be sent to each subscriber.

Asset allocation across the periods are as follows:


Kindly drag to see assets allocations from 2021 to 2066