Investment.

a) Money Market fund

This is a low risk investment plan with high income yield, capital stability and immediate liquidity. It is tailored to obtain high level of current income while protecting an investor’s capital. The Fund will invest in money market securities (near cash holdings) with a maturity of less than 12 months which are usually available to the wholesale or institutional investors. Potential investments include interest-bearing securities such as bank deposits, bank acceptances and other short-term money market instruments including short- dated treasury bills and commercial paper. This is a low risk fund with zero initial charge.

b) Income Fund

This is a low risk investment plan suitable for investors who are seeking a regular income from their investment and those who intend to secure a safe haven for their investments in times of stock market instability. The fund is invested in interest-bearing securities including financially sound preference shares, treasury bills, treasury bonds, corporate bonds, loan stock, debenture stock, debenture bonds, approved securities, notes and liquid assets and any other securities which are consistent with the portfolio’s investment policy.

c) Balanced Fund

This is an investment plan suitable for investors who seek to invest in a balanced portfolio offering exposure to all sectors of the market. This would be achieved by investing in a diversified spread of equities and fixed income securities. The fund aims to achieve a reasonable level of current income and offers investors with long term capital growth. The Fund is a medium risk fund and has a medium risk profile.

d) Equity Fund

This is an investment plan suitable for investors seeking medium to long term capital growth in their portfolio. The fund aims to offer superior returns over the medium to longer term by maximizing long term capital growth.  To achieve this, the fund will invest primarily in listed companies on the Stock Exchanges. The performance objectives are achieved through well-researched and superior share selection. This fund is designed for investors who want to gain exposure to equity investments and is suited to investors who want to invest their money over a period of at least 5 years and beyond. The Fund has a medium to high risk profile. The risk is reduced through holding a diversified portfolio of shares across most sectors.