Adviceworx Investments

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1 Adviceworx Investments Adviceworx Investment Philosophy and Objectives At the centre of the Adviceworx business philosophy lies the desire for investment management to be aligned to the decisions that are made in the financial planning process. The benefit of this is that the selection of investment products, investment managers, assets and asset classes are specifically aligned to meet with the risk and return framework that is unique to each client, as opposed to the random selection of investments and investment objectives. At the heart of any good investment process lies a philosophy that guides the investment decision making process and ultimately drives the realisation of wealth objectives over time. The Adviceworx investment philosophy encompasses the following principles in order to achieve this: We believe in long term wealth creation through the generation of superior real returns over time Our focus on asset allocation forms the basis of generating these returns over the long term We believe in diversifying investment risk across asset classes and investment managers We utilise a building-block approach to investment manager selection, allowing for specialist managers in each asset class to generate superior performance We believe in delivering investment objectives over realistic investment time horizons We seek investment managers that exhibit a valuation driven investment philosophy and process. of, or reliance upon any information contained in this document. Adviceworx is a juristic representative of the Acsis Licence Group (FSP33002) and an authorised Financial Services Provider (FSP 44914).

2 Enhanced Income Fund of Funds The Fund s primary goal is to generate income for investors in addition to providing capital preservation and a high degree of liquidity. This is a multi-managed domestic fixed interest fund primarily aimed at investors seeking high levels of income with a possibility of capital appreciation over the long-term. The Fund aims to provide returns superior to those of domestic income unit trust funds in the medium to long term. In order to achieve this, the investment policy of the Fund allows the investment manager to invest in the entire spectrum of interest-bearing securities, listed property and equity, subject to category limits. 1-2 years The Fund is suitable for investors who: Are aiming for a higher level of income to cash or bank deposits over a 12 to 36 month period. Are seeking a managed exposure to income generating investments. Believe in the benefits of active management within the fixed interest universe. South African Multi Asset - Income Equity 10% retirement products where compliance is specifically required. STeFI Composite Index Fees Total Estimated Service Fee at Launch (incl.vat) 1.03%**

3 Inflation Plus 2-3% Fund of Funds The Fund s primary goal is to achieve returns equal to CPI plus 2-3% over a minimum of 3 years, through the provision of medium term capital growth and income. This is a multi-managed asset allocation fund that aims to produce returns of inflation plus 2-3% net 3 years The Fund is suitable for investors who require a return of CPI plus 2-3% to meet the investment strategy as determined by the Adviceworx Lifestyle Wealth Design Programme TM. South African Multi Asset Low Equity Equity 40% retirement products where compliance is specifically required. CPI Plus 2-3% net of fees Fees Total Estimated Service Fee at Launch (incl.vat) 1.45%*

4 Inflation Plus 3-4% Fund of Funds The Fund s primary goal is to achieve returns equal to CPI Plus 3-4% over a minimum of 4 years, through the provision of long term capital growth and income. This is a multi-managed asset allocation fund that aims to produce returns of inflation plus 3-4% net 4 years The Fund is suitable for investors who require a return of CPI Plus 3-4% to meet the investment strategy as determined by the Adviceworx Lifestyle Wealth Design Programme TM. South African Multi Asset Medium Equity Equity 60% retirement products where compliance is specifically required. CPI Plus 3-4% net of fees Fees Total Estimated Service Fee at Launch (incl.vat) 1.71%*

5 Inflation Plus 4-5% Fund of Funds The Fund s primary goal is to achieve returns equal to CPI Plus 4-5% over a minimum of 5 years through the provision of long term inflation beating capital growth and income. This is a multi-managed asset allocation fund that aims to produce returns of inflation plus 4-5% net 5 years The Fund is suitable for investors who require a return of CPI Plus 4-5% to meet the investment strategy as determined by the Adviceworx Lifestyle Wealth Design Programme TM. South African Multi Asset High Equity Equity 75% retirement products where compliance is specifically required. CPI Plus 4-5% net of fees Fees Total Estimated Service Fee at Launch (incl.vat) 1.76%*

6 Inflation Plus 5-7% Fund of Funds The Fund s primary goal is to achieve returns equal to CPI 5-7% over a minimum of 7 years through the provision of long term inflation beating capital growth and income. This is a multi-managed asset allocation fund that aims to produce returns of inflation plus 5-7% net 7 years The Fund is suitable for investors who require a return of CPI plus 5-7% to meet the investment strategy as determined by the Adviceworx Lifestyle Wealth Design Programme TM. South African Multi Asset - Flexible Equity 75% The Fund is not required to be compliant in terms of its deed, but the Fund Manager is mandated to comply with. CPI Plus 5-7% net of fees Fees Total Estimated Service Fee at Launch (incl.vat) 1.77%*

7 Bespoke and Exclusive Adviceworx has established a range of investment solutions that are exclusive to Adviceworx clients and that are positioned to realise the investment objectives as determined by the Lifestyle Wealth Design Programme. The end result of the Lifestyle Wealth Design Programme is a well-articulated client strategy where investments are placed in a well-diversified investment solution that is best suited to deliver the required results. LIFESTYLE WEALTH DESIGN YOUR INVESTMENT ADVICEWORX INVESTMENT PROGRAMME STRATEGY PHILOSOPHY Lifestyle Long term view Return 3. Asset Allocation 4. Risk Diversified portfolios Achieve your objective Valuation Driven Investment Committee Adviceworx has established an Investment Committee who has been appointed as the custodian of the implementation of the investment process. The investment committee is comprised of highly experienced individuals that have been charged with the day to day responsibilities of overseeing the investment management function on behalf of Adviceworx Partners and their clients. Aileen Campbell Chief Investment Officer: Adviceworx B Comm (Honours) Industry experience: 15 years Ian van Schoor Chief Executive Officer: Adviceworx B Comm, LLB, LLM, AMP (Harvard) Industry experience: 22 years Mike Galloway Chief Operating Officer: Adviceworx B Comm (Honours) Industry experience: 18 years Trevor Pascoe Chief Executive Officer: Old Mutual Multi-Managers B.Sc, Actuarial Science Industry experience: 29 years Integrated Investment Process Our team of highly experienced Financial Planning Partners work closely with the Investment Committee in ensuring that our clients receive an enhanced experience that delivers on all the critical components of a fully integrated investment advisory solution. HOW WE MATCH YOUR STRATEGY WITH AN INVESTMENT SOLUTION Investment Process Portfolio Management Client Objective Growth Strategy Objective Asset Allocation Enhanced Income Manager Selection Inflation Plus 2-3% Portfolio Selection Inflation Plus 3-4% Inflation Plus 4-5% Portfolio Review Inflation Plus 5-7% Review Objective Review Strategy