Levels of diversification

Transcription

1 Muti-Asset (MA) Bended Funds Leves of diversification Past performance is not a guide to future performance.

2 Leves of diversification What are eves of diversification? At Architas we beieve that diversification is centra to any investment portfoio. Being too concentrated in any one investment can possiby ead to higher risk and greater ups and downs in investment returns. Diversification means spreading the portfoio across different types of investment. Put simpy, it s not putting a your eggs in one basket. We spread investments by: using different casses of assets; investing in different geographic regions; and using severa different investment managers. Why are eves of diversification important? Whie there are no guarantees, this approach may reduce the combined risk of the overa portfoio and means that you are not reying on the performance of a narrow seection of investments. It may hep to achieve more consistent investment returns than if you just invested in one cass of asset or with any one fund manager. Past performance is not a guide to future performance. The vaue of investments and any income from them can go down as we as up and is not guaranteed, and you coud get back ess than you invest. casses of assets What is diversification across casses of assets? There are five main casses of asset money markets, bonds, property, aternatives and shares. By spreading investments across different casses, you coud possiby benefit from more consistent returns than a fund which invests in ony one. Why is spreading investments across casses of assets important? It may hep to reduce the ups and downs of investment returns, as the potentia osses in one cass of asset coud possiby be softened by gains in another. Diversification within casses of assets Why is diversification within casses of assets important? Within each cass of asset it is possibe to diversify further. Each one offers a range of investment options for exampe across countries, industries, types of properties and bonds. 2. Spreading investment across countries, industries, types of properties and types of bonds heps to baance the overa portfoio. Spreading it out even further within casses of assets means that the portfoio is not concentrated in any one area and may hep to reduce the effect of a downturn in a specific cass of asset or geographic region. 1

3 investment managers Our funds invest in funds managed by other investment managers. This technique is commony referred to as a fund of funds structure. What is diversification across investment managers? Investment managers with different investment styes tend to perform better at different times under different economic and market conditions. We combine a range of investment managers with compementary styes using sophisticated techniques to make sure we achieve a spread of investments. Why is spreading investments across investment managers important? Spreading investments across managers with a range of investment styes heps to baance the overa portfoio. It means that the portfoio is not overy exposed to any one stye and, as a resut, when one investment stye is out of favour, the overa portfoio is not affected in a significant way. We use a seection of investment managers from a range of we-known firms incuding: Architas investment process What is the Architas investment process? We have a dedicated team of in-house professionas constanty researching, monitoring and managing a combination of speciaist investment managers. We use a combination of investment managers to provide an effective spread of investments. How do we choose our investment managers? We have designed our investment process to find the most appropriate mix of investment managers to buid we spread out portfoios. The asset aocation mode provided by EVaue suggests a benchmark of which casses of assets to invest in and in what proportion. We use our unique screening too, MosaIQue by Architas, to review a funds avaiabe to identify funds that have deivered consistent performance in the past. Research then tes us if this is the resut of uck or the ski of the managers. We ook for a sound investment phiosophy, an effective management process, a stabe company environment and a setted investment team. The process for choosing investment managers combines the seection benefits of the Architas MA Passive and MA Active fund ranges. The MA Bended Fund range makes use of the most suitabe passive manager in a cass of asset. The active eement of the range uses in-depth research by our expert in-house investment team to find who they beieve are the best active managers in their fieds. Our fund managers use research in choosing assets aongside their skis to pick the most appropriate funds to invest in. What are the benefits of our investment process? We constanty monitor and review our investments. We do this by creating portfoios of investments, carrying out thorough research, using a mix of investment managers, constanty reviewing the investments and reguar rebaancing (buying and seing funds to maintain the correct eves of each cass of asset). We aso monitor our underying funds with the aim of making sure they perform as expected and do not take on risk we cannot justify. How does the investment process work? Asset aocation We spread the investment across the reevant areas (money markets, property, shares, aternatives or bonds). Researching and choosing a manager We use a variety of toos to sift through information on investment managers and pinpoint those we fee are worthy of further attention. Managing risk We choose investment managers with different characteristics that compement each other. Whist there are no guarantees, the aim is to deiver more stabe returns. Monitoring We monitor each investment manager using a range of toos to make sure that they continue to deiver. We aso use our monitoring systems to make sure that each fund keeps to its investment aim

4 Architas Muti-Asset (MA) Bended Reserve Fund The Fund aims to achieve a return for investors over the medium to ong term based on a combination of capita growth and income, with a ow eve of ups and downs. casses of assets geographic regions investment managers The Fund is spread across the foowing casses of assets. Bonds 62.59% UK gits 31.26% Goba 12.33% UK corporate 10.78% High yied 3.39% Goba government 3.28% Goba convertibe 1.55% Equities 23.23% UK 9.51% North America 8.71% Japan 2.89% Europe but not UK 0.95% Europe incuding UK 0.88% Goba emerging markets 0.23% Asia Pacific but not Japan 0.08% Other 14.19% Aternatives 6.66% Property 5.44% Cash money market 2.08% We may change the ratios between these casses of assets. Athough the debt and debt-reated securities that we invest in wi usuay be of investment-grade quaity (that is, with a credit rating of at east BBB- as rated by Standard & Poor s, or Baa3 as rated by Moody s), this Fund may aso invest in non-investmentgrade securities. Anything beow B is considered non-investment grade by Fitch Ratings. The Fund is spread across the foowing countries and regions. UK 59.07% Goba* 27.21% US 8.71% Japan 2.89% Europe 1.83% Emerging markets 0.23% Asia Pacific but not Japan 0.08% The Fund is spread across the foowing investment managers. BackRock UK Gits A Stocks Index 19.16% SPDR Barcays 1-5 Year Git ETF 8.97% AXA Stering Index Linked Bond 5.21% BackRock North American Equity Index 5.15% Majedie UK Equity 4.89% Kames Absoute Return Bond 4.38% AXA Stering Corporate Bond 3.91% Roya London Absoute Return Government Bond 3.44% F&C Commercia Property 3.25% Vanguard UK Long Duration Git Index 3.14% BackRock Japan Equity Index 2.89% BackRock Edge S&P 500 Minimum Voatiity ETF 2.67% Jupiter Goba Convertibes 2.65% JO Hambro UK Equity Income 2.57% TwentyFour Income 2.40% John Laing Infrastructure 2.30% BackRock Overseas Government Bond Index 2.26% MedicX 2.11% BackRock UK Equity Index 2.04% * Funds are grouped according to their benchmarks. Goba incudes a funds which do not have a specific regiona benchmark. CVC Credit Partners European Opportunities 2.00% SPDR Thomson Reuters Goba Convertibe Bond ETF 1.55% Neuberger Berman Goba Foating Rate Inc 1.49% Newton Internationa Bond 1.42% AXA US Short Duration High Yied 1.39% JP Morgan Stering Liquidity Capita 1.33% BackRock Overseas Corporate Bond Index 1.02% Henderson European Focus 0.95% Amedeo Air Four Pus 0.92% M&G Corporate Bond 0.91% Artemis US Extended Apha 0.88% Oyster Continenta European Seection 0.88% Cash 0.75% BackRock Corporate Bond Index 0.75% JP Morgan Goba Emerging Markets Income 0.19% BackRock Pacific ex Japan Equity Index 0.08% BackRock Goba Property Securities Equity Index BackRock Emerging Markets Equity Index 0.03% Due to rounding, the figures shown in each of the Fund breakdowns may not add up to 100% and Brooks Macdonad Ground Rents Inc WAR 0.03% the aocations may change. Information from 4 Architas, correct as at 30 June % MA Bended Reserve Fund

5 Architas Muti-Asset (MA) Bended Moderate Fund The Fund aims to achieve a return for investors over the medium to ong term based on a combination of capita growth and income, with a beow average eve of ups and downs. casses of assets geographic regions investment managers The Fund is spread across the foowing casses of assets. Bonds 46.19% UK gits 17.24% UK corporate 11.58% Goba 9.86% High yied 3.22% Goba government 2.34% Goba convertibe 1.96% Equities 37.29% UK 13.84% North America 13.83% Japan 6.12% Europe but not UK 1.80% Europe incuding UK 0.95% Asia Pacific but not Japan 0.53% Goba emerging markets 0.21% Other 16.52% Property 6.06% Aternatives 5.98% Cash money market 4.48% We may change the ratios between these casses of assets. Athough the debt and debt-reated securities that we invest in wi usuay be of investment-grade quaity (that is, with a credit rating of at east BBB- as rated by Standard & Poor s, or Baa3 as rated by Moody s), this Fund may aso invest in non-investmentgrade securities. Anything beow B is considered non-investment grade by Fitch Ratings. The Fund is spread across the foowing countries and regions. UK 53.20% Goba* 23.35% US 13.83% Japan 6.12% Europe 2.76% Asia Pacific but not Japan 0.53% Emerging markets 0.21% The Fund is spread across the foowing investment managers. BackRock UK Gits A Stocks Index 15.21% BackRock Corporate Bond Index 6.40% BackRock UK Equity Index 6.29% BackRock North American Equity Index 5.67% Majedie UK Equity 4.45% Man GLG Japan Core Apha 4.18% JP Morgan Stering Liquidity Capita 3.51% JO Hambro UK Equity Income 3.11% Kames Absoute Return Bond 3.01% BackRock Edge S&P 500 Minimum Voatiity ETF 2.91% AXA Stering Index Linked Bond 2.60% Jupiter Goba Convertibes 2.59% M&G Corporate Bond 2.57% Roya London Absoute Return Government Bond 2.28% JP Morgan US Equity Income 2.21% Aiance Bernstein Concentrated US Equity 2.21% Vanguard UK Long Duration Git Index 2.03% John Laing Infrastructure 1.98% * Funds are grouped according to their benchmarks. Goba incudes a funds which do not have a specific regiona benchmark. Henderson European Focus 1.80% Newton Internationa Bond 1.78% AXA US Short Duration High Yied 1.74% Amedeo Air Four Pus 1.72% TwentyFour Income 1.53% CVC Credit Partners Euro Opportunities 1.48% BackRock Goba Property Securities Equity Index SPDR Thomson Reuters Goba Due to rounding, the figures shown in each of the 1.96% Convertibe Bond ETF Fund breakdowns may not add up to 100% and BackRock Japan Equity Index 1.94% the aocations may change. Information from F&C Commercia Property 1.88% 6 Architas, correct as at 30 June % BackRock Overseas Government Bond Index 1.31% MedicX 1.16% BackRock Overseas Corporate Bond Index 1.04% Cash 0.97% Neuberger Berman Goba Foating Rate Inc 0.95% Ediston Property Investment Co. 0.86% Artemis US Extended Apha 0.82% Oyster Continenta Europe Seection 0.82% Brooks Macdonad Ground Rents Income 0.80% BackRock Pacific ex Japan Equity Index 0.30% Hermes Asia ex Japan Equity 0.23% BackRock Euro Equity Income 0.13% JP Morgan Goba Emerging Markets Income 0.11% BackRock Emerging Markets Equity Index 0.10% Brooks Macdonad Ground Rents Inc WAR 0.02% MA Bended Moderate Fund

6 Architas Muti-Asset (MA) Bended Intermediate Fund The Fund aims to achieve a return for investors over the medium to ong term based on a combination of capita growth and income, with a medium eve of ups and downs. casses of assets geographic regions investment managers The Fund is spread across the foowing casses of assets. Equities 49.51% North America 20.05% UK 17.21% Japan 7.11% Asia Pacific but not Japan 2.21% Europe but not UK 1.78% Europe incuding UK 0.96% Goba emerging markets 0.19% Bonds 32.39% UK corporate 10.81% Goba 9.34% UK gits 6.81% High yied 2.95% Goba convertibe 1.91% Goba government 0.57% Other 18.10% Cash money market 6.09% Aternatives 6.01% Property 6.00% We may change the ratios between these casses of assets. Athough the debt and debt-reated securities that we invest in wi usuay be of investment-grade quaity (that is, with a credit rating of at east BBB- as rated by Standard & Poor s, or Baa3 as rated by Moody s), this Fund may aso invest in non-investmentgrade securities. Anything beow B is considered non-investment grade by Fitch Ratings. The Fund is spread across the foowing countries and regions. UK 46.91% Goba* 20.79% US 20.05% Japan 7.11% Europe 2.74% Asia Pacific but not Japan 2.21% Emerging markets 0.19% The Fund is spread across the foowing investment managers. BackRock North American Equity Index 9.65% BackRock UK Equity Index 7.36% BackRock Corporate Bond index 5.48% BackRock UK Gits A Stocks Index 5.46% JP Morgan Stering Liquidity Capita 5.10% Majedie UK Equity 4.60% Man GLG Japan Core Apha 4.41% JO Hambro UK Equity Income 3.88% JP Morgan US Equity Income 3.43% Newton Internationa Bond 3.29% BackRock Edge S&P 500 Min Voatiity ETF 3.06% Aiance Bernstein SICAV I Concentrated US Equity 3.05% M&G Corporate Bond 2.83% BackRock Japan Equity Index 2.70% Kames Absoute Return Bond 2.60% AXA Stering Index Linked Bond 2.50% Roya London Absoute Return Govt Bond 2.40% Hermes Asia ex Japan Equity 2.13% John Laing Infrastructure 2.04% * Funds are grouped according to their benchmarks. Goba incudes a funds which do not have a specific regiona benchmark. F&C Commercia Property 1.71% Amedeo Air Four Pus 1.58% AXA US Short Duration High Yied 1.58% Jupiter Goba Convertibes 1.58% Standard Life UK Equity Unconstrained 1.37% CVC Credit Partners Euro Opportunities 1.37% Vanguard UK Long Duration Git Index 1.35% TwentyFour Income 1.33% Cash 0.99% MedicX 0.99% Artemis US Extended Apha 0.86% Oyster Continenta European Seection 0.86% Ediston Property Investment Company 0.80% Brooks Macdonad Ground Rents Income 0.74% Neuberger Berman Goba Foating Rate Inc 0.54% BackRock Overseas Corporate Bond Index 0.30% BackRock Overseas Government Bond Index 0.26% JP Morgan Goba Emerging Markets 0.16% BackRock European Equity Income 0.10% BackRock Pacific ex Japan Equity Index 0.08% BackRock Emerging Markets Equity Index 0.03% Brooks Macdonad Ground Rents Inc WAR 0.02% SPDR Thomson Reuters Goba Due to rounding, the figures shown in each of the 1.91% Convertibe Bond ETF Fund breakdowns may not add up to 100% and Henderson European Focus 1.78% the aocations may change. Information from 8 Architas, correct as at 30 June BackRock Goba Property Securities 1.74% 9 Equity Index MA Bended Intermediate Fund

7 Architas Muti-Asset (MA) Bended Progressive Fund The Fund aims to achieve a return for investors over the medium to ong term based on a combination of capita growth and income, with an above-average eve of ups and downs. casses of assets geographic regions investment managers The Fund is spread across the foowing casses of assets. Equities 67.76% North America 28.24% UK 25.43% Japan 8.42% Asia Pacific but not Japan 2.52% Europe but not UK 1.79% Europe incuding UK 1.09% Goba emerging markets 0.27% Other 16.94% Cash money market 6.62% Property 5.95% Aternatives 4.37% Bonds 15.30% UK gits 4.74% UK corporate 3.31% High yied 2.33% Goba 2.24% Goba convertibe 1.97% Goba government 0.72% We may change the ratios between these casses of assets. Athough the debt and debt-reated securities that we invest in wi usuay be of investment-grade quaity (that is, with a credit rating of at east BBB- as rated by Standard & Poor s, or Baa3 as rated by Moody s), this Fund may aso invest in non-investmentgrade securities. Anything beow B is considered non-investment grade by Fitch Ratings. The Fund is spread across the foowing countries and regions. UK 46.06% US 28.24% Goba* 11.62% Japan 8.42% Europe 2.87% Asia Pacific but not Japan 2.52% Emerging markets 0.27% The Fund is spread across the foowing investment managers. * Funds are grouped according to their benchmarks. Goba incudes a funds which do not have a specific regiona benchmark. BackRock UK Equity Index 13.02% Amedeo Air Four Pus 1.64% BackRock North American Equity Index 11.62% Vanguard UK Long Duration Git Index 1.63% Aiance Bernstein SICAV I Concentrated Artemis US Extended Apha 1.57% 6.97% US Equity John Laing Infrastructure 1.54% JO Hambro UK Equity Income 5.55% Ediston Property Investment Company 1.37% JPM Stering Liquidity Capita 5.51% Standard Life UK Equity Unconstrained 1.36% Majedie UK Equity 5.50% AXA US Short Duration High Yied 1.24% JP Morgan US Equity Income 4.91% Roya London Absoute Return Man GLG Japan Core Apha 4.55% Government Bond 1.18% BackRock Japan Equity Index 3.87% Cash 1.11% BackRock Corporate Bond Index 3.31% CVC Credit Partners European Opportunities 1.09% BackRock Edge S&P 500 Minimum Oyster Continenta European Seection 0.98% 3.17% Voatiity ETF MedicX 0.64% BackRock UK Gits A Stocks Index 3.11% TwentyFour Income 0.58% Hermes Asia Ex Japan Equity 2.36% BackRock Overseas Government Bond Index 0.46% BackRock Goba Property Securities 2.23% BackRock Overseas Corporate Bond Index 0.26% Equity Index JP Morgan Goba Emerging Markets Inc 0.18% SPDR Thomson Reuters Goba 1.97% Convertibe Bond ETF BackRock Pacific ex Japan Equity Index 0.16% Henderson European Focus 1.79% BackRock European Equity Income 0.11% Due to rounding, the figures shown in each of the Fund breakdowns may not add up to 100% and F&C Commercia Property 1.71% BackRock Emerging Markets Equity Index 0.09% the aocations may change. Information from Kames Absoute Return Bond 1.66% 10 Architas, correct as at 30 June MA Bended Progressive Fund

8 Architas Muti-Asset (MA) Bended Growth Fund The Fund aims to achieve a return for investors over the medium to ong term based on a combination of capita growth and income, with a moderatey high eve of ups and downs. casses of assets geographic regions investment managers The Fund is spread across the foowing casses of assets. Equities 82.53% North America 40.54% UK 20.80% Japan 10.22% Europe but not UK 5.16% Asia Pacific but not Japan 2.96% Europe incuding UK 2.41% Other 9.64% Cash money market 4.74% Property 3.54% Aternatives 1.37% Bonds 7.83% Goba emerging market debt 2.69% Goba convertibe 2.67% Goba 1.72% High yied 0.74% Goba emerging markets 0.44% We may change the ratios between these casses of assets. Athough the debt and debt-reated securities that we invest in wi usuay be of investment-grade quaity (that is, with a credit rating of at east BBB- as rated by Standard & Poor s, or Baa3 as rated by Moody s), this Fund may aso invest in non-investmentgrade securities. Anything beow B is considered non-investment grade by Fitch Ratings. The Fund is spread across the foowing countries and regions. US 40.54% UK 29.07% Japan 10.22% Europe 7.58% Goba* 6.51% Emerging markets 3.13% Asia Pacific but not Japan 2.96% The Fund is spread across the foowing investment managers. Aiance Bernstein SICAV I Concentrated US Equity 14.91% BackRock North American Equity Index 13.03% BackRock UK Equity Index 10.03% JP Morgan US Equity Income 7.07% Man GLG Japan Core Apha 5.81% Henderson European Focus 5.16% Majedie UK Equity 4.44% BackRock Japan Equity Index 4.41% JO Hambro UK Equity Income 4.22% BackRock Edge S&P 500 Minimum Voatiity ETF 3.70% JP Morgan Stering Liquidity Capita 2.94% Hermes Asia Ex Japan Equity 2.80% AXA WF Emerging Markets Short Duration Bonds 2.69% SPDR Thomson Reuters Goba Convertibe Bond ETF 2.67% Standard Life UK Equity Unconstrained 2.10% * Funds are grouped according to their benchmarks. Goba incudes a funds which do not have a specific regiona benchmark. Artemis US Extended Apha 1.83% Cash 1.79% Kames Absoute Return Bond 1.72% F&C Commercia Property 1.47% Oyster Continenta European Seection 1.37% BackRock European Equity Income 1.05% Ediston Property Investment Company 0.93% John Laing Infrastructure 0.91% BackRock Goba Property Securities Equity Index 0.80% AXA US Short Duration High Yied 0.74% Roya London Absoute Return Government Bond 0.46% MedicX 0.34% BackRock Emerging Markets Equity Index 0.28% BackRock Pacific ex Japan Equity Index 0.16% JP Morgan Goba Emerging Markets 0.16% Due to rounding, the figures shown in each of the Fund breakdowns may not add up to 100% and the aocations may change. Information from 12 Architas, correct as at 30 June MA Bended Growth Fund

9 Gossary of terms Shares Shares of companies are a popuar choice for ong-term investors. As a sharehoder you share in the vaue of the company s assets through the share price and in the company s profits by possiby receiving dividends. Bonds Bonds are contracts that aow a number of investors to poo together to oan money to a company, government or other institution over a fixed term. The hoders of the bonds then receive interest payments over the ength of the term and get their initia investment (capita) back at the end. Bonds are usuay issued by banks on behaf of the borrowing institution. If the borrowing institution fais, there is a risk that you wi not receive back either the interest due or your origina capita. Property We can invest in companies which own and manage a range of properties. The vaue of property is a matter of the vauer s opinion and not fact. Property wi not contribute to diversifying your portfoio if you aready hod a substantia percentage of your investments in property. There coud be deays invoved with property (disinvestments and switches) due to the fact that property can take time to se. Money market Investors are usuay very famiiar with cash investments. These types of investments are not without risk as interest rates may be ower than infation. However, they are usuay ower risk than other casses of asset and are normay very accessibe (easy to cash in). Athough, there is aso a possibe risk if the institutions go out of business. Aternatives The aternatives cass covers a range of investments. The main parts are commodities (such as oi), hedge funds, absoute return funds (an absoute return fund aims to make positive returns by using investment management techniques and casses of asset that differ from traditiona funds) and infrastructure (such as communication and transport). Geographic region It is possibe to invest in bonds, property and shares from different countries and regions across the word

10 Important information * We wi not accept any ega responsibiity for any advice provided in reation to this document. We provide and manage the Architas funds and do not assess the suitabiity of our funds for individua investors. If any financia adviser, or network of advisers, is named on this document, it does not mean we have any knowedge of, or infuence over, advice that you have received or wi receive. Your financia adviser aone is responsibe for any financia advice or recommendations provided in reation to your investment decisions. Past performance is not a guide to future performance. The vaue of investments and any income from them can go down as we as up and is not guaranteed, and you coud get back ess than you invest. The funds are aowed to invest over 35% of their assets in investments issued by a singe oca, nationa or supranationa government. The funds can invest entirey in units of coective investment schemes. The vaue of investments can fa as we as rise purey on account of exchange rate fuctuations. You can invest in these funds through a number of financia products. These funds may not be appropriate for investors who pan to withdraw their money within five years. We take charges to cover the costs of managing the fund. If you are investing using a financia product, the product provider may take extra charges, and, if so, shoud give you detais of these charges before you invest. If you need more information on any of our funds, you can ask us for a free copy of the Key Investor Information document (KIID) and the prospectus. The KIID is designed to hep you make an informed decision before investing. You can aso view or downoad a of our funds KIIDs from our website at architas.com, by foowing the Key Investor Information documents ink from the home page and in the Information Centre. The AXA Group incudes other fund management companies which we refer to as in-house managers, such as AXA Investment Managers and AianceBernstein. We, Architas, may choose to incude funds managed by in-house managers, which we refer to as in-house funds, within our muti-manager funds. AXA aso works cosey with a seect number of externa fund managers which are referred to as strategic partners. These partners are seected on the basis of their strengths under certain criteria and we may choose funds from the strategic partners to make up our muti-manager funds. In the UK, we foow an in-depth research process that ensures that the funds seected for our muti-manager funds are incuded on the potentia benefits they coud bring to our Architas funds. We are not infuenced by the AXA Group to incude in-house or strategic partner funds over funds from other fund managers; funds are seected on their consistency to meet their objectives. We reguary review our seection of funds, incuding those from strategic partners and in-house managers, to ensure they continue to be appropriate and in your best interests. More information about our use of funds from strategic partners and in-house managers is avaiabe at architas.com/inhousestratpartners/ 16 The Bended funds referred to in this document are a coective investment schemes authorised and reguated by the Financia Conduct Authority. AXA is a wordwide eader in financia protection and weath management. In the UK, one of the AXA companies is Architas Muti-Manager Limited. We are an investment company that provides access to other investment managers services through a range of soutions, incuding reguated coective investment schemes. We are a company imited by shares and are authorised and reguated by the Financia Conduct Authority (Firm Registration Number ). We are registered in Engand number Registered office: 5 Od Broad Street, London, EC2N 1AD. * Pain Engish Campaign s Crysta Mark does not appy to the text on this page.

11 The Architas customer support team is on hand to answer your questions. Ca * *Monday to Friday 9.00am-5.30pm; cas may be recorded. Cas are free from andines and mobies within the UK. Architas Muti-Manager Limited 5 Od Broad Street London EC2N 1AD architas.com ARC5155 Created 25 Juy 2017 Expires 21 August 2018