PRODUCTS

The Money Market Fund aims to outperform the STeFI Index and to preserve investors capital through investing in high yielding, high quality short to medium dated instruments, while simultaneously providing for short-term liquidity needs.

Investors that require:

• an alternative to bank deposits like call and savings accounts
• quick access to their money
• a low-risk investment to diversify their portfolio
• capital protection, but not capital growth

This fund invests in Namibian and South African short to medium dated instruments that are considered risk free or carries some credit risk. These include a wide range of instruments issued by banks and other institutions. This fund will not take derivative positions or apply any leverage in the portfolio through borrowing or short selling.

The Fund aims to outperform Namibia Inflation + 3% and to preserve the purchasing power of assets and to invest in an appropriate mix of Equities, Fixed Income, Property, Commodities and Cash. The fund is allowed offshore exposure up to 35% of the portfolio.

Investors who wish to preserve wealth and who:

• Pensioners and other investors requiring an income, especially those in the first half of retirement. 
• Living annuity investors seeking a fund that aims to achieve both income and capital growth. 
• Investors requiring a low-risk fund, which offers a reasonable rate of return, for their retirement annuity, provident fund, preservation fund or pension fund. 
• Conservative investors who want to protect their savings. 
• Trusts, endowments, foundations and charities who require long-term funding of a moderate spending rule.

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 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.

The fund aims to outperform the: Composite Benchmark (JSE SWIX Capped Index 35%, MSCI World Index 30%, JSE Property/Real Estate Index 2.5%, Bloomberg Commodity Index 2.5%, STeFI Index 10%, Simonis Storm Securities Securities Government Bond Total Return Index 20%) 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.

The Global Opportunities Fund aims to outperform the MSCI World Index and to maximise long-term capital appreciation by investing in listed equities in global developed and emerging markets.

Investors who are maximising wealth and who:

• Are comfortable with full exposure to shares of multinational companies
• Accept that the Fund may underperform in the short term
• Wish to diversify currency risk
• Do not foresee unexpected income needs in the short run
• Wishes to use this fund as a “building block” in their overall asset allocation

This fund invests only in developed and emerging market listed equities.

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.

The SA Equity Fund aims to outperform the FTSE/JSE Capped SWIX All Share Index and to maximise long-term capital appreciation by investing in listed equities in South Africa.

Investors who are maximising wealth and who:

• Are comfortable with full exposure to shares in South Africa
• Accept that the fund may underperform in the short term
• Do not foresee unexpected income needs in the short run
• Wishes to use this fund as a “building block” in their overall asset allocation

This fund invests only in South African listed equities.

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.

To preserve investors capital through investment in high yielding, high quality money market and fixed income securities, while simultaneously providing for short-term liquidity needs.

This fund is appropriate for investors with a tax-exempt status as withholding tax is not applied at the fund level.

This fund invests in Namibian money market instruments and South African corporate credit instruments. These include a wide range of instruments issued by banks and other institutions. This fund will not take derivative positions or apply any leverage in the portfolio through borrowing or short selling.