Strategy Comparison
Balanced (Moderate Strategy)
A diversified asset allocation including equities, bonds, and low-volatility instruments — designed for controlled growth with moderate risk.
Ideal for investors seeking to minimize losses during market downturns while achieving steady long-term returns.
Crypto Growth (Aggressive Strategy)
High-growth focus on cryptocurrencies, Web3 projects, and blockchain assets — suitable for investors prepared for high volatility.
Offers significant return potential, assuming the investor can tolerate short-term swings and market instability.
Portfolio Growth: Balanced vs Crypto Growth
Starting capital: ₦500,000. The chart shows the nominal portfolio value over the years. Hover over points to see exact amounts.
| Year | Balanced (₦) | Crypto Growth (₦) |
|---|---|---|
| 2021 | ||
| 2022 | ||
| 2023 | ||
| 2024 | ||
| 2025 | ||
| 2026 (Forecast) |
2026 forecasts: Balanced +15% from 2025, Crypto Growth +46%. These estimates reflect expected outcomes assuming current market conditions and moderate volatility persist.
Asset Allocation (Balanced / Crypto Growth)
Comparison of current diversification by asset class. Balanced focuses on equities and bonds, while Crypto Growth emphasizes crypto assets and innovative projects.
KPI, Benchmark & Stress Tests
| Metric | Balanced | Crypto Growth | BTC Benchmark |
|---|---|---|---|
| CAGR (5 yrs) | 12.5% | 59.4% | 18% |
| Max Drawdown | -15% | -20% | -50% |
| Volatility | Moderate | High | Very High |
| Correlation with BTC | Low | High | 1.0 |
- Stress scenario (-30%): Balanced loses ~15%, Crypto Growth ~20%.
- Positive scenario (+50%): Balanced grows to ~₦750,000, Crypto Growth to ~₦2,200,000.
- Diversification and rebalancing reduce risks and help portfolio recovery.
- Investor recommendation: balance your portfolio by allocating funds across strategies to combine stability with high-return potential.
Sector / Regional Allocation
Balanced
- Equities: 30% (US / EU / NG)
- Bonds: 40%
- Alternatives: 15%
- Cash: 5%
Balanced provides stable income and reduces risk through regional and asset-class diversification. This portfolio structure helps navigate market fluctuations.
Crypto Growth
- Crypto: 70%
- Web3 / DeFi: 15%
- Stable assets: 10%
- Cash: 5%
Crypto Growth focuses on rapid capital growth via innovative assets. The high allocation to crypto and Web3 projects offers significant return potential, assuming the investor can tolerate volatility.
Conclusions & Investor Recommendations
ReturnsPlus offers two contrasting strategies that address different investor needs:
- Balanced — designed for investors focused on capital preservation and moderate growth. Suitable for a 3–7 year horizon. Characterized by low volatility and resilience during market downturns.
- Crypto Growth — an aggressive approach with high return potential. Requires tolerance for significant volatility and a minimum 5-year horizon. Suitable for investors seeking maximum profit while understanding the risks.
- Recommended practice: diversify the portfolio across strategies (e.g., 60/40 or 70/30 depending on risk tolerance) and perform quarterly rebalancing to lock in gains and reduce concentration risk.
Forecast Rationale (2026)
The 2026 forecasts are based on historical returns, observed market trends, and a rebalancing model that locks in profits and manages concentration risk. Balanced is projected to grow +15% from 2025, while Crypto Growth is expected to increase +46%, reflecting an aggressive scenario under favorable market conditions.
These forecasts provide investors with visibility on expected portfolio dynamics, enabling informed allocation decisions across strategies. This approach ensures transparency and understanding of potential investment outcomes.
Fees — Compensation & Charges
ReturnsPlus follows principles of transparency and fair compensation. The management team does not charge a fixed management fee — investors pay only when profits are generated. This approach aligns the interests of investors and managers.
| Component | Terms |
|---|---|
| Management fee | 0% — no fixed management fee is charged. |
| Performance fee | 20% of profits using a high-water mark model with possible hurdle rate. Compensation is charged only if previous peaks are exceeded and/or a pre-defined minimum return is achieved. |
Fee disclosure in reporting is key to transparency. All figures are illustrative and provided for demonstration purposes. This helps investors clearly understand investment terms and make informed decisions.
Team & Methodology
The ReturnsPlus team combines expertise in asset management, risk management, and data science. The methodology includes fundamental and technical analysis, automated rebalancing rules, stress-testing, and liquidity monitoring.
All investment decisions are based on comprehensive analysis of market conditions, asset-class forecasts, and economic scenario modeling. This approach minimizes risk and enhances portfolio returns.
Contact
Want a personalized presentation or to discuss your investment options? Submit a request — we will respond on business days. Our consultants can help select a strategy aligned with your goals and risk profile.
FAQ & Disclaimer
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How often is rebalancing done?
Forecasts and risks
Disclaimer: past performance does not guarantee future results. Forecasts are indicative and based on assumptions. Investing carries the risk of capital loss. ReturnsPlus is not responsible for individual investor outcomes.