The fund aims to outperform the Namibia Market Value Survey and to maximise long-term capital appreciation by
investing in a balanced portfolio of Equities, Fixed-Income, Property, commodities and Cash.

Investors who are maximising wealth and who:

• are looking for moderate long-term growth
• are seeking medium-term capital protection 
• accept that the fund may underperform in the short term
• do not foresee unexpected income needs in the short run
• wish to invest in a product that is structured for retirement planning

This fund can invest in a wide variety of assets, such as listed equities, listed bonds, listed property, listed commodities and cash, including Namibia, South Africa and internationally. The fund complies with Regulation 13, which limits the exposure of retirement investors to certain asset classes. In order to be compliant with Regulation 13, this fund has to hold a minimum of 45% of investments in Namibia.

The fund has exposure to a combination of domestic and foreign equities which may not exceed 75%, with a maximum offshore exposure of 35%.

The fund will not apply any leverage in the portfolio through borrowing or short positions. The fund may take derivative positions, but only as a portfolio management decision to hedge portfolio exposures or to apply a more cost-effective asset allocation.