AssetMix Ci Conservative

‍Investment Objective

The objective of this multi asset portfolio is to provide investors with income and conservative capital growth with a focus on capital preservation. The composition of the portfolio shall reflect the investment structure of a retirement fund with a low risk profile and will comply with Regulation 28 of the Pension Funds Act. The portfolio may from time to time invest in listed and unlisted financial instruments, in order to achieve the portfolio's investment objective.

Characteristics

This is a multi-asset low equity portfolio which means that it may invest in a spectrum of equity, bond, property and money market and tends to display reduced short term volatility and aims for long term capital growth. The portfolio may have a maximum equity exposure of up to 40% and complies with the regulation governing retirement funds. This portfolio may, at the discretion of the portfolio manager, invest up to 30% of the assets outside of South Africa plus an additional 10% of the assets in Africa excluding South Africa.

Risk Reward Profile

Typically, the lower the risk, the lower the potential return and the higher the risk, the higher the potential return. There is no guarantee that returns will be higher when investing in a portfolio with a higher risk profile. The risk profile for this portfolio is rated as low, as it may only invest up to 40% in equity securities, both locally and abroad.

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AssetMix Ci Moderate Fund

‍Investment Objective

The objective of this multi asset portfolio is to provide investors with moderate capital growth. The composition of the portfolio shall reflect the investment structure of a retirement fund with a moderate risk profile and will comply with Regulation 28 of the Pension Funds Act. The portfolio may from time to time invest in listed and unlisted financial instruments, in order to achieve the portfolio's investment objective.

Characteristics

This is a multi-asset medium equity portfolio which means that it may invest in a spectrum of equity, bond, property and money market and tends to display average volatility and aims for medium to long term capital growth. The portfolio may have a maximum equity exposure of up to 60% and a maximum property exposure of 25% at all times and complies with the regulation governing retirement funds. This portfolio may, at the discretion of the portfolio manager, invest up to 30% of the assets outside of South Africa plus an additional 10% of the assets in Africa excluding South Africa.

Risk Reward Profile

Typically, the lower the risk, the lower the potential return and the higher the risk, the higher the potential return. There is no guarantee that returns will be higher when investing in a portfolio with a higher risk profile. The risk profile for this portfolio is rated as moderate, as it may only invest up to 60% in equity securities, both locally and abroad.

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AssetMix Ci Balanced Fund

‍Investment Objective

The objective of this multi asset portfolio is to provide investors with long-term capital growth. The composition of the portfolio shall reflect the investment structure of a retirement fund with a high risk profile and will comply with Regulation 28 of the Pension Funds Act. The portfolio may from time to time invest in listed and unlisted financial instruments, in order to achieve the portfolio's investment objective.

Characteristics

This is a multi-asset high equity portfolio which means that it may invest in a spectrum of equity, bond, property and money market and tends to have an increased probability of short term volatility and aims to maximise long term capital growth. The portfolio may have a maximum equity exposure of up to 75% and complies with the regulation governing retirement funds. This portfolio may, at the discretion of the portfolio manager, invest up to 30% of the assets outside of South Africa plus an additional 10% of the assets in Africa excluding South Africa.

Risk Reward Profile

Typically, the lower the risk, the lower the potential return and the higher the risk, the higher the potential return. There is no guarantee that returns will be higher when investing in a portfolio with a higher risk profile. The risk profile for this portfolio is rated as high as it may only invest up to 75% in equity securities, both locally and abroad.

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AssetMix Ci Worldwide Flexible Fund of Funds

Investment Objective

The AssetMix Ci Worldwide Flexible Fund of Funds is a worldwide multi asset flexible portfolio. The investment objective of the portfolio is to provide investors with long term capital growth by investing in portfolios across various asset classes, both locally and abroad. The portfolio maintains a high risk profile and will have full flexibility as to whether to invest up to 100% of its holdings locally or offshore.

Characteristics

This is a multi-asset fully flexible portfolio which means that it may invest in a spectrum of equity, bond, property and money market and tends to have an increased probability of short term volatility and aims to maximise long term capital growth. The portfolio may have a maximum equity exposure of up to 100% and is fully flexible as to whether to invest locally or offshore. This portfolio may, at the discretion of the portfolio manager, invest up to 100% of the assets outside of South Africa. A fund of funds is a portfolio that invests in portfolios of collective investment schemes, which levy their own charges, which could result in a higher fee structure for the fund of funds.

Risk Reward Profile

Typically, the lower the risk, the lower the potential return and the higher the risk, the higher the potential return. There is no guarantee that returns will be higher when investing in a portfolio with a higher risk profile. The risk profile for this portfolio is rated as high, as it may invest up to 100% in equity securities, both locally and abroad.

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