Goal-based investing

At Franc, we believe the most meaningful way to invest is by connecting your money to your life goals. Instead of simply chasing market returns, goal‑based investing asks: "What am I investing for?" and "When will I need the money?" That shift makes all the difference.

Why goal‑based investing works

Goal‑based investing adjusts the lens from how much did the market go up to did I move closer to my goal. When you save for something specific – an emergency fund, your child's education, a comfortable retirement – you frame investing as part of your life plan, not just a financial tool.

Here are some core benefits:

• You work with clear, tangible targets. A goal like "save R100,000 for a deposit on a home in 3 years" focuses your efforts and helps you stay motivated
• You prioritise what matters most. Different goals carry different importance and timelines. This approach ensures your strategy reflects that.
• Each goal gets a strategy that matches its timeline and risk. Short‑term goals use safer approaches; long‑term goals allow for more growth.
• You reduce emotional decision‑making. When the market dips, you're less likely to panic if you're focused on your goal timeline, not just short‑term returns.
• You begin sooner and build momentum. Recognising your goals means you're more likely to take action consistently, which leads to better results over time.

How we do it at Franc

We've designed Franc around your goals, helping you make decisions that are aligned with your timeline and priorities. Here's how we support you:

• We guide you to identify goals in your life‑stage context: short‑, medium‑ or long‑term.
• We link each goal to the right investment strategy, balancing risk and return in line with how much time you have.

Investing through goals isn't just simpler, it's more motivating. It makes your financial journey feel more real, more personal, and more rewarding.