The Helfin Cautious Fund is a multi-asset low equity portfolio.  The investment objective of the portfolio is to provide investors with income and conservative capital growth with a focus on capital preservation.

The portfolio maintains a low to moderate risk profile and the portfolio’s equity exposure will be limited to a maximum of 40% of the portfolio’s net asset value.  The portfolio will comply with prudential investment guidelines to the extent allowed by the Act.

Investments to be included in the portfolio may, apart from assets in liquid form, consist of equity securities, non-equity securities, convertible stock, preference shares and property securities as well as any other securities which are considered consistent with the portfolio’s primary objective and that the Act may allow from time to time.

The portfolio may also include participatory interests in portfolios of collective investment schemes or other similar collective investment schemes registered in the Republic of South Africa or of participatory interests in collective investment schemes or other similar schemes operated in territories with a regulatory environment which is to the satisfaction of the Manager and the Trustee of a sufficient standard to provide investor protection which is at least equivalent to that in South Africa.

The Helfin Ci Balanced Fund is a multi-asset medium equity portfolio.  The investment objective of the portfolio of the portfolio is to deliver moderate capital growth.

The portfolio maintains a moderate risk profile and the portfolio’s equity exposure will be limited to a maximum of 60% of the portfolio’s net asset value.  The portfolio will comply with prudential investment guidelines to the extent allowed by the Act.

Investments to be included in the portfolio may, apart from assets in liquid form, consist of equity securities, non-equity securities, convertible stock, preference shares and property securities as well as any other securities which are considered consistent with the portfolio’s primary objective and the act may allow from time to time.

The portfolio may also include participatory interests in portfolios of collective investment schemes or other similar collective investment schemes registered in the Republic of South Africa or of participatory interests in collective investment schemes or other similar schemes operated in territories with a regulatory environment which is to the satisfaction of the Manager and the Trustee of a sufficient standard to provide investor protection which is at least equivalent to that in South Africa.

The Helfin Ci Moderately Aggressive Fund is a multi-asset high equity portfolio.  The investment objective of the portfolio is to deliver long term capital growth.

The portfolio maintains a high risk profile and the portfolio’s equity exposure will be limited to a maximum of 75% of the portfolio’s net asset value.  The portfolio will comply with prudential investment guidelines to the extent allowed by the Act.

Investments to be included in the portfolio may, apart from assets in liquid form, consist of equity securities, non-equity securities, convertible stock, preference shares and property securities as well as any other securities which are considered consistent with the portfolio’s primary objective and that the Act may allow from time to time.

The portfolio may also include participatory interests in portfolios of collective investment schemes or other similar collective investment schemes registered in the Republic of South Africa or of participatory interests in collective investment schemes or other similar schemes operated in territories with a regulatory environment which is to the satisfaction of the Manager and the Trustees of a sufficient standard to provide investor protection which is at least equivalent to that in South Africa.

The portfolio may from time to time invest in listed and unlisted financial instruments, in accordance with the provisions of the Act, and the Regulations thereto, as amended from time to time, in order to achieve the portfolio’s investment objective.

The Helfin Ci Income Fund of Funds is a multi-asset income portfolio.  The investment objective of the portfolio is to provide investors with an alternative to cash with a strong focus on capital protection.

The portfolio maintains a low risk profile and the portfolio’s equity exposure will be limited to a maximum of 10% of the portfolio’s net asset value.  The portfolio will comply with prudential investment guidelines to the extent allowed by the Act.

Investments to be included in the portfolio will, apart from assets in liquid form, consist solely of participatory interests in portfolios of collective investment schemes or other similar collective schemes registered in the Republic of South Africa or of participatory interests in collective investment schemes or other similar schemes operated in territories with a regulatory environment which is to the satisfaction of the Manager and the Trustee of a sufficient standard to provide investor protection which is at least equivalent to that in South Africa.

The portfolio may, to the extent that assets in a portfolio are exposed to exchange rate risk, enter into financial transactions for the exclusive purpose of hedging such exchange rate risk subject to the conditions and the limits stipulated in the Act, and the Regulations, thereto.