A reassuring way to invest. GlobalSelect from Old Mutual International

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1 A reassuring way to invest GlobalSelect from Old Mutual International

2 INVESTMENT CHOICES TO HELP MEET YOUR GOALS When choosing which investments to hold, you will have your own needs and expectations. But where do you start? How can you be confident that you ve made the right choice? And how do you know that it will continue to perform as you would expect? The sheer number of investment choices available in the market can be confusing. Even very knowledgeable investors can find choosing funds time-consuming and stressful. That s why your financial adviser is recommending our GlobalSelect investment solutions for you. Introducing GLOBALSELECT GlobalSelect offers you a combination of individual funds, known as the Researched Funds, and a range of risk targeted multiasset funds known as Compass Portfolios. The range is built upon the solid foundation of our global experience and heritage in fund manager research and monitoring. The funds we offer through GlobalSelect have been hand-picked by our investment experts from the wide universe of funds available in the global market and are continuously monitored for quality and performance. The fund management companies selected for our Researched Funds include some of the most highly regarded global names in the market. (See How we research the Researched Funds on page 6). They include the following: This document should be read in conjunction with your recommended product brochure. 2

3 Making the right choice for your INVESTMENT The key to the right investment choice is suitability. After a thorough fact find and in-depth discussions about your investment goals, needs and risk appetite, your adviser can recommend the right choices for you. Depending on your goals, your adviser may recommend one of our GlobalSelect investment choices. Researched Funds: A fully-researched and focused range of approximately 50 funds, selected from leading international asset managers covering all the major asset classes. All of the fund managers are continually monitored by our experts to help ensure they perform as expected and meet our high standards. The Researched Funds are subject to our ongoing review and so the number of funds we include may vary. (Please see How we research the Researched Funds on page 6) COMPASS PORTFOLIOS: A range of risk targeted multi-asset funds actively managed by the Quilter Investors, the multi-asset business of Quilter. The funds are designed to offer investors true diversification through access to a broad range of asset classes, aiming to maximise returns whilst managing downside risks. Each fund is effectively a basket of assets representing a highly-diversified portfolio that includes global stocks and shares, fixed interest and cash. The funds are designed to target different levels of risk. Your financial adviser can help you assess your risk profile and match your risk profile to a corresponding Compass Portfolio. For more information on the Compass Portfolios, please visit our website or read the Compass Portfolios, keeping you on the right course brochure available from your financial adviser. Please see our separate funds list for details of all the Researched Funds. Ask your financial adviser for an up-to-date copy. You should be aware that the value of investments can fall as well as rise and you may not get back what you put in. 3

4 Comparing your investment choices Our products are designed to offer you investment choices that meet your needs as your life evolves. Our GlobalSelect investment solutions offer you and your adviser a combination of individual funds, known as the Researched Funds, and risk targeted multi-asset funds which have been packaged together, known as Compass Portfolios. If our GlobalSelect solutions do not meet your needs, our products offer you access to a wider range of investment options. Depending on the product you have chosen, these options include either our SelfSelect fund range or open architecture (a term used to describe broad access to most investment assets). Please see the relevant product brochure for more detail. We do not review or monitor any of the assets available through the SelfSelect or open architecture options. The decision about which investment choice is most suitable for you depends on many important factors which you and your adviser need to consider. These include your: 1. attitude to the cost of investing 2. need for investment breadth and personalisation 3. investment knowledge and experience 4. need for involvement in investment decisions. It may also depend on the product you have chosen. The table below shows how these factors could help you and your adviser decide which investment option might be most appropriate for you. GLOBALSELECT UNMONITORED FUNDS Compass Portfolios Researched Funds SELFSELECT Open architecture Concerned about the costs of investments and adjusting your portfolio Comfortable with a concentrated range of high quality funds Understand the concept of funds and investing but don t want active day-to-day involvement Like the reassurance of picking funds from an expertly researched range ATTITUDE TO COST OF INVESTING INVESTMENT BREADTH AND PERSONALISATION INVESTMENT KNOWLEDGE AND EXPERIENCE INVOLVEMENT IN INVESTMENT DECISIONS Accepting that a much wider choice and regular adjustments to your portfolio incurs more costs Prefer to choose from an unrestricted range of investments Take an active interest in investing, monitoring and researching funds Prefer a more active involvement in decisions about your investments 4

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6 How we research the Researched FUNDS The Researched Funds are under constant scrutiny. We assess and select high quality fund managers for the range and continually monitor them to ensure that they meet a wide range of investors needs. We have selected managers across all the major asset classes that we believe have a strong competitive edge in their respective fields, based on the information provided from the rigorous research process undertaken by our multi-asset team. Managers in the range of Researched Funds are chosen for the medium to long term (five years plus). We select managers with a proven track record, therefore we don t anticipate changing them frequently. However, we would consider making a change if our research team believed this would be in the best interests of investors. Reasons we may consider replacing a fund manager include: an organisational change or change in investment personnel a change in investment philosophy or process a drift from our expectations regarding behaviour, portfolio positioning or performance we identify a better opportunity. We will inform you of any changes to the managers in our range. The key principles of fund manager research Our research process is structured around quantitative and qualitative components. The qualitative research looks beyond the numbers, into the ability of the fund and fund manager to provide performance. This research investigates the fund manager s investment philosophy, the process they use, and the ability of the people involved. This framework helps ensure that our approach is both disciplined and consistent. Managers must meet or exceed all our expectations to be considered for selection. 6

7 WHY the Compass Portfolios may be SUITABLE FOR YOU The Compass Portfolios are potentially attractive for investors who: value high quality, active management seek the services of professional portfolio management do not want a high level of involvement in fund selection or portfolio management. REASONS WHY YOU MAY WISH TO INVEST A B C SIMPLICITY The Compass Portfolios offer a simple, packaged multi-asset fund designed to meet your long term investment needs. The portfolios are actively managed, with investment decisions being made by our highly skilled multi-asset team. This means you do not have to worry about constantly monitoring and adjusting your holdings. RISK TARGETED Each portfolio is designed to maximise its expected long term return for a given level of risk. Your financial adviser will carry out a question and answer discussion process to help determine your risk profile. Based on this, you can choose the appropriate Compass Portfolio to match the balance of risk and potential return you are comfortable with. OUR EXPERIENCE The Compass Portfolios are managed by our sister company Quilter Investors. They research the global universe of funds in search of the best funds and investments accross all types of asset so they can blend them together within each portfolio with the aim of maximising the expected long term investment return for a given risk level. (See page 10 for further details on our multi-asset team.) 7

8 WHY THE RESEARCHED FUNDS May BE SUITABLE FOR YOU Old Mutual International Researched Funds are potentially attractive for investors who: place a high value on a proven track record of high quality active management are looking to invest in international equity and bond markets and benefit from access to some of the leading international fund management companies want some involvement in fund selection or portfolio management, but prefer to choose from a focused range of funds that has been reviewed and is continuously monitored. (Please see How we research the Researched Funds on page 6.) REASONS WHY YOU MAY WISH TO INVEST QUALITY This is a high quality, focused range of funds from highly regarded investment brands: Aberdeen, Artemis, BlackRock, BNY Mellon, Fidelity, Janus Henderson, Invesco Perpetual, J.P. Morgan, Old Mutual Global Investors, Schroders, Columbia Threadneedle and Woodford. RELEVANT The range is constructed and maintained with a view to offering high quality and sufficient choice to meet the investment needs of the vast majority of investors. The range offers access to high quality global brands and a breadth of asset classes to help build a comprehensive investment portfolio. MONITORED All funds in the range are rigorously monitored and managed by our investment experts to give them the best chance of meeting our customers needs. While these fund groups have been chosen with a long term view, we have the flexibility to add, replace or remove fund managers and/or fund groups from the Researched Range, if we consider it necessary. PEACE OF MIND The Researched Funds offer you a simple way to invest in global markets. The range covers all major asset classes enabling you to pick funds and build a portfolio that meets your changing needs. You can rest assured in the knowledge that we have researched the funds and fund groups and continuously monitor them on your behalf. 8

9 Who is Old Mutual International? Old Mutual International provides offshore and cross-border investment solutions designed for both expatriate and local investors across the world, including Africa, Asia, Europe, Latin America, the Middle East and the United Kingdom. Our products and investment solutions are underpinned by a robust process, allowing you to access, monitor and manage your portfolio online, with the help of your financial adviser. What makes us stand out is the flexibility of the solutions we offer. They are designed so that you can tailor them to suit your individual financial needs and ultimately help you achieve your life goals, whether that s growing or preserving your financial worth, helping your children get on in life or simply retiring active and happy. Old Mutual International is part of Quilter, a leading provider of advice, investments and wealth management both in the UK and internationally, managing over 100 billion of investments on behalf of over 900,000 customers (as at 31 March 2018). Their offering includes platform-based investments and protection, asset management solutions and discretionary management, as well as financial advice services in the UK and Singapore. 9

10 Who are OUR Multi-asset TEAM? Multi-asset investing requires expertise across many investment disciplines, such as asset allocation, researching funds and building investment portfolios. Quilter Investors, the multi-asset business of Quilter, offers high-quality, innovative solutions help protect and grow our customers prosperity and provide confidence to help them invest in their future. The investment team at Quilter Investors is dedicated to delivering multi-asset solutions specifically designed for the needs of our international customers and their advisers. Quilter Investors has outstanding experience in managing multi-asset funds, using a diverse range of asset classes. Their team is one of the largest and most experienced dedicated multi-asset teams in the UK, with solid and proven international expertise. For more information regarding investing with Old Mutual International, please speak to your financial adviser. 10

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12 Your investment may fall or rise in value and you may not get back what you put in. Past performance is not a guide to the future. Calls may be monitored and recorded for training purposes and to avoid misunderstandings. Old Mutual International Isle of Man Limited is registered in the Isle of Man under number 24916C. Registered and Head Office: King Edward Bay House, King Edward Road, Onchan, Isle of Man, IM99 1NU, British Isles. Phone: +44 (0) Fax: +44 (0) Licensed by the Isle of Man Financial Services Authority. The rules made under the Financial Services and Markets Act 2000 (as amended) for the protection of retail clients in the UK do not apply. Old Mutual International Isle of Man Limited is a member of the Association of International Life Offices. Old Mutual International is registered in the Isle of Man as a business name of Old Mutual International Isle of Man Limited. Old Mutual International Ireland dac is regulated by the Central Bank of Ireland. Registered No Administration Centre for correspondence: King Edward Bay House, King Edward Road, Onchan, Isle of Man, IM99 1NU Tel: +353(0) Fax: +353(0) Registered and Head Office Address: Hambleden House, Lower Pembroke Street, Dublin 2, Ireland. VAT number for Old Mutual International Ireland dac is S. Old Mutual International is registered in Ireland as a business name of Old Mutual International Ireland dac. SK11375/INT /July 2018