1. OVERVIEW 1. HOBBITON UNIT TRUST FUND
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1 COMPANYPROFILE
2 1. OVERVIEW We are a dynamic Investment Management Company with the aim of making a significant impact in the financial securities and property sector and deliver value to all our stakeholders in this fast changing global environment. Founded in 2017, Hobbiton Investment Management Limited has the ability to tap into an experienced team of Fund Managers, Investment Advisors, Finance experts and Technologies to ensure growth and stability of all assets under its care. Hobbiton Investment Management has registered a Unit Trust Fund called Hobbiton Unit Trust Fund which is a Collective Investment Scheme where people invest by buying Units in the fund and get a return on their investments. The Hobbiton Unit Trust Fund is regulated by the Securities and Exchange Commission (SEC). VISION To be a world class Fund Management and Investment Advisory Firm. MISSION To provide convenient investment services through technological and service innovations. VALUES 1. Integrity Professional, transparent and honest in our dealings. 2. Availability Guaranteed access to our Services anytime anywhere. 3. Innovation Creative in adapting to the needs of our customers. 4. Excellence We shall deliver our services with quality. 1. HOBBITON UNIT TRUST FUND 1.1. The Hobbiton Unit Trust Fund Hobbiton Investment Management has registered a Unit Trust Fund called Hobbiton Unit Trust ( The Fund ) which is a Collective Investment Scheme where people invest their savings by buying Units in the fund with the objective of obtaining a return on their investments. The fund is regulated by the Securities and Exchange Commission (SEC) The Objective of The Fund The Aim of the fund is to address the needs of the savings and investment markets as stated by intense market research, which are accessibility and 3
3 liquidity to all Zambian citizens. Through low entry levels (such as K50 per month remittance) and the use of convenient technology (such as online and mobile platforms) the fund aims to bring investment management services to a variety of economically active members of the Zambian population including the informal sector. The Fund also will make it simple for investors to invest their money into the fund from the comfort of their homes or offices via mobile money or online access. Investors will also be able redeem their investments via online platforms or mobile money platforms hence giving them instant value anytime anywhere and thus making the address the Liquidity needs of the market Who is the Fund For? The fund is mainly aimed at the following: Low income earners The Informal sector Economically active Zambian Youth Visa Enabled card holders 2. The Benefits of the Fund 2.1. Transparency As the fund uses a diverse range of technology for access and transfer of funds it also uses the same platforms for information distribution such as unit prices and transaction information of the unit holder Liquidity The use of mobile and online platforms for investment and redemption allows for the faster flow of funds through and into unit holders. The fund therefore aims to have a 24 hour investment cycle (from deposit to investment) and 72 hour redemption cycle from notice to receipt of funds. This only pertains to working days Accessibility The use of mobile platforms allows investment services to maintain compliance with the AntiMoney Laundering principles while access the unbanked Convenience The fund allows for a wide range of payment and redemption methods and thus allowing for one to invest from any point at any given time Accessibility The use of mobile platforms allows investment services to maintain compliance with the AntiMoney Laundering principles while access the unbanked Simplicity The savings and investment platforms are made as easy to use for all investors Flexibility The fund can be used to service any need by creating a savings an investment plan aimed at a specific need or target for the investor. 3. Operations of the Fund 3.1. The Fund is broken down into 5 sub funds which are: Hobbiton Money Market Fund Hobbiton Government Fund Hobbiton Debt Fund Hobbiton Equity Fund Hobbiton Balanced Fund 3.2. Investors are free to choose which fund operates according to their specific investment needs How the Fund operates When people send Money (Mobile / Visa) to the fund, the funds will be collected and sent to our custodial bank account. The fund managers will be able to do various investment placements on behalf of the investors in the fund. When an investor wants to redeem their investment, they will initiate a request after which funds will be moved from the fund s custodial bank account to the Hobbiton Unit Trust Airtel Money payment account and the client will be paid their investment 3.4. Minimum Investment Period Minimum Investment Periods will be determined by the subfund selected by the investor and will be adhered to in accordance Valuation 3.6. Risks In compliance with the Securities and Exchange Commission of Zambia, Investment valuations will be conducted using Net Present Value Calculation. Thus stating that all unit prices will be obtained through the simple calculation of (Total Assets Total Liabilities)/ (Total Number of Investment Units). Investors in the fund are subject to the following general risks: Economic Risk Technological Risk Cybercrime Risk Exchange Risk Management risk 4 5
4 Credit Risk Interest Risk Liquidity Risk 4. Hobbiton Money Market Fund 4.1. Objective The fund aims to deliver a regular income and to outperform bank deposits over time, while preserving capital Strategy The fund invests in money market securities and cash based securities with a maturity of less than 12 months Asset Allocation (Limits) Government Treasury Bills (5% 60%) Corporate treasury notes (5% 60%) Zambian Kwacha Bank Deposits (5% 80%) US$ Bank Deposits (5% 30%) Cash Unit Trusts (5% 25%) Offshore Cash Unit Trusts (5% 30%) Cash Holdings (5% 25%) 4.4. Benchmark 364 Day Treasury Bill + 2% 4.5. Risk Profile Low 4.6. Fee Structure Fund Management Fee 4.00% of NAV Performance Fee 20% of excess gains Trustee Fee 0.10% of NAV Administrative Fee 2% of Deposits Value Custodian Fee 0.15% of NAV Early Withdrawal Fees: o 3 6 months 100% of investment gains 7
5 o 6 12 months 50% of investment gains 4.7. Minimum Requirements Monthly Investment K50.00 Annual Lumpsum investment K Minimum Investment Period 3 Months 5. Hobbiton Government Securities Fund 5.1. Objective The fund aims at giving access to government securities market to all Zambians Strategy The fund invests all good mix of government securities with an average maturity of 2 years Asset Allocation (Limits) Government Treasury Bills (10% 60%) Government Bonds (10% 50%) Parastatal bonds and loans (10% 50%) Partially Stated Owned Enterprise Bonds (10% 25%) Municipal Bonds (10% 50%) Foriegn Government Bonds (5% 25%) Cash Holdings (5% 25%) 5.4. Benchmark Weighted Average GRZ Securities Return 5.5. Risk Profile Medium 5.6. Fee Structure Fund Management Fee 4.00% of NAV Performance Fee 20% of excess gains Trustee Fee 0.10% of NAV Administrative Fee 2% of Deposits Value 8 9
6 Custodian Fee 0.15% of NAV Early Withdrawal Fees: o 6 12 months 100% of investment gains o months 50% of investment gains Custodian Fee 0.15% of NAV Early Withdrawal Fees: o 6 12 months 100% of investment gains o months 50% of investment gains 5.7. Minimum Requirements Monthly Investment K50.00 Annual Lumpsum investment K Minimum Investment Period 6 Months 6.7. Minimum Requirements Monthly Investment K50.00 Annual Lump sum investment K Minimum Investment Period 6 Months 6. Hobbiton High Yield Debt Fund 6.1. Objective The Fund aims to provide investors with a real return over the longterm and outperform the Government Securities Performance. 7. Hobbiton Equity Fund 7.1. Objective The Fund aims to provide individual investors with an easy access point to the local equity market Strategy The fund invests a mix of government securities with an average maturity of 2 years Asset Allocation (Limits) Bank Deposits (5% 25%) Government Securities (10% 60%) Corporate Notes, Bonds and Loans (15% 75%) Bond Funds (5% 25%) Cash Holdings (5% 25%) 6.4. Benchmark National Lending Rate 6.5. Risk Profile Medium 6.6. Fee Structure Fund Management Fee 4.00% of NAV Performance Fee 20% of excess gains Trustee Fee 0.10% of NAV Administrative Fee 2% of Deposits Value 7.2. Strategy The fund invests an optimal mix of stocks from both the Lusaka Stock Exchange and from the private equity market with the aim of maximising capital appreciation and dividend income Asset Allocation (Limits) Bank Deposits (5% 25%) LuSE Large Cap (10% 75%) LuSE Medium Cap (10% 75%) LuSE Small Cap (10% 75%) LuSE Quoted Stocks (5% 25%) LuSE AltM Stocks (5% 25%) Private Equity Venture Capital (5% 25%) Private Equity Seed Equity Capital (5% 25%) 7.4. Benchmark Lusaka Stock Exchange All Share Index 7.5. Risk Profile High 7.6. Fee Structure 10 11
7 Fund Management Fee 4.00% of NAV Performance Fee 20% of excess gains Trustee Fee 0.10% of NAV Administrative Fee 2% of Deposits Value Custodian Fee 0.15% of NAV Early Withdrawal Fees: o 6 12 months 100% of investment gains o months 50% of investment gains Fund Management Fee 4.00% of NAV Performance Fee 20% of excess gains Trustee Fee 0.10% of NAV Administrative Fee 2% of Deposits Value Custodian Fee 0.15% of NAV Early Withdrawal Fees: o 6 12 months 100% of investment gains o months 50% of investment gains 7.7. Minimum Requirements Monthly Investment K50.00 Annual Lump sum investment K Minimum Investment Period 24 Months 8.7. Minimum Requirements Monthly Investment K50.00 Annual Lumpsum investment K Minimum Investment Period 12 Months 8. Hobbiton Balanced Fund 8.1. Objective The Fund aims to provide individual investors with a diversified, conservative and but steadily growing investment portfolio Strategy The fund invests an diversified portfolio of relatively lower risk assets from various asset classes with the aim of generating steady income Asset Allocation (Limits) > C Graded Bank Deposits (5% 25%) Government Bonds (10% 50%) Treasury Bills (10% 50%) LuSE Large Cap (10% 50%) LuSE Corporate Bonds (10% 50%) Private Debt Placements (10% 25%) 8.4. Benchmark Inflation + 2% 8.5. Risk Profile High 9. HOW TO INVEST IN THE HOBBITON UNIT TRUST 9.1. Mobile Money This investment option is a strictly for the Hobbiton Money Market Fund. The mobile money platforms that we shall integrate with are Airtel Money, MTN Mobile Money and Zamtel Kwacha. This will be our flagship product and it shall be called Patumba. The minimum investment amount is K50 per month, translating into ZMW 1.7 per day. Below are the steps Topup your Mobile Money Account with a minimum of K2 Send the amount to the Hobbiton Unit Trust Fund Account Hobbiton system will send confirmation notification to the investor of their investments and the units purchased Debit Card This is investment option is available to across all our fund. The minimum investment amount is K50 per month. Below are the steps Create an account on the Hobbiton Investment Management website ( Log into your account Select the fund you want to invest in. Select the amount you would like to invest Provide card details Hobbiton system will send confirmation notification to the investor of their investments and the units purchased Fee Structure 12 13
8 9.3. Bank DDAC This is investment option is available to across all our fund. The minimum investment amount is K50 per month. Below are the steps Download the Bank deduct mandate forms from the website Fill out the document specifying the fund to invest in and amount Submit it to your bank. Hobbiton system will send confirmation notification to the investor of their investments and the units purchased once payment is received Payroll Deduction This is investment option is available to across all our fund. The minimum investment amount is K50 per month. Below are the steps Download the payroll deduction form from the website Fill out the document specifying the fund to invest in and amount Submit it to your Human Resource Department Hobbiton system will send confirmation notification to the investor of their investments and the units purchased once payment is received. 10. SERVICE PROVIDERS 14 Fund Manager Hobbiton Investment Management Limited Trustee AMG Trust Limited 15
9 Custodian Stanbic Bank Zambia Limited Auditor MKM Consultants 11. OUR SERVICES Portfolio Management Hobbiton Investment Management Limited offers specialised Portfolio Management Services to institutional investors, High Net Worth Individuals (and their families), and other corporates who have sufficient resources to place into the care of a professional investment manager with the aim of accessing the investment opportunities available in the capital markets in order to achieve medium or long term financial goals. This type of service is also ideal for larger institutional investors, who wish to enhance the diversification of their existing portfolios and realise the advantages of having fulltime attention of professional investment managers. Reports are produced at regular and agreed intervals to the client or their representative Fund Management Hobbiton Investment Management Limited provides fund management services to both retail and institutional clients. These include nondiscretionary and discretionary funds. Nondiscretionary funds are managed based on agreed specific variables with the client such as asset class, investment tenure and rate of return with the client merely leveraging on the superior bargaining power of Hobbiton Investment Management Limited. Nondiscretionary funds are managed on the basis of broad guidelines agreed with the client with the day to day aspects of investment management devolved to the fund manager. Discretionary funds will also have performance benchmarks of return and risk which are reviewed periodically. Our fund management value proposition is centred around the benefits that accrue to clients from using the services of a specialised fund manager that has access to a wide range of counterparties and leverages on the size of the funds under management to enhance bargaining power and deliver the best value to clients. On the equity front, our strong research backbone and our investment philosophy which is centred on active portfolio management enables us to deliver consistently superior returns to our clients Asset Management Hobbiton Investment Management Limited is an emerging investment management firm for individuals and institutions. Providing clients with strategies and expertise that span the full spectrum of asset classes through our network of investment professionals. Hobbiton Investment Management Limited is licensed by the Securities and Exchange Commission to invest assets on behalf of its clients, both institutions and individuals. 12. LICENCES Licenced Dealer with the Securities and Exchange Commission
10 13. BOARD Aubrey Muyeke Chibumba, PhD, CFA Experienced Chartered Financial Analyst with 20+ years experience in finance covering Asset Liability Management, Financial Risk Management, Structured Finance, Financial Engineering, Pension Fund Management Administration, Corporate Organization and Restructure, Strategic Planning, Business Strategy Implementation and Coordination. He currently serves as a Director at Zaft Beverages Ltd and is a Consultant at Crushers and Edible Oil Refiners Association (Zambia), Scirocco Enterprises Limited and Cavendish University (Zambia). Previously, he held roles with Zambia Sugar Plc (Managing Director), CEO Scirocco Enterprises Limited (CEO), East African Development Bank, Kampala, Uganda (Consultant), National Pension Scheme Authority, Lusaka, Zambia (Director General), Finius GmbH, Koenigstein, Germany(Founding Partner), Riskworx (PTY) Johannesburg, South Africa (Consultant), Baring Asset Management (BAM), London (Team Leader and Project Specialist), Citigroup Asset Management, London (Vice President). Dr. Chibumba is a Chartered Financial Analyst (CFA) and holds a PhD in Chemical Engineering from University of Leeds. He also holds a Master of Philosophy in Mathematics from Sussex University and a Master of Science in Chemical Engineering from University of Leeds. Dr. Chibumba s first degree is from University of Bradford where he obtained a Bachelor of Engineering in Chemical Engineering. Kamphata Botha, MBA, CPAM Kamphata Botha, is a Chartered Pension Analyst Manager (CPAM). Awarded an MBA degree with University of Lusaka following his Bachelor of Science Degree in Production Management from Copperbelt University received in 1997, and a Postgraduate Diploma in Financial Management from NIPA received in He is a member of the Pensions Management Institute (UK), Zambia Association of Pension Funds were is the current Chairman and an Associate member of the Zambia Institute of Marketing. Prior to his appointment as CEO at Prudential Pensions Management Zambia, Kamphata was an Assistant General Manager heading the pensions Division under Prudential Life Assurance Zambia with additional experience in having worked for the National Pension Scheme Authority (NAPSA). Kamphata has over 15 years of experience working in Life and Pensions and Annuities operations at senior management level. He has worked with several Trustee Boards of various Pension schemes and has been influential in the Pension Scheme designing, Members and Pensioners guidance and training, as well as leading a team of Fund Administrators and Investment Managers. Mpimpa Miyoba, CFA, CIMA, BAcc Mpimpa Miyoba is a Chartered Financial Analysts (CFA), Chartered Global Management Accountant (CGMA) and holds a Bachelor of Accountancy Degree from the Copperbelt University. Mr. Miyoba has a proven record in multidimensional performance measurement, budgeting and forecasting, business process improvement, stakeholder relationships including regulatory authorities, internal controls, management information systems and turnaround of underperforming finance departments. He has broad knowledge and experience in risk management, treasury, and balance sheet management. He has a wide experience in cultural diversity and change management and is able to communicate effectively with all stakeholders including clients, staff, shareholders, directors and regulators. He currently is the Chief Financial Officer for Micro Finance Zambia. He previously held roles at Madison Finance Company Limited (Chief Financial Officer), Madison Asset Management Company Ltd (Fund and Investment Manager), Dunavant (Zambia) Ltd (Group Financial Analyst), Spectra Oil Corporation Limited (Management Accountant,) Mopani Copper Mines Ltd (Corporate and Reporting Accountant). Setfree Nhapi, BCom, ICSA Setfree Nhapi is a Zimbabwean national who has been with Corpserve Group of companies for over 10years. He has therefore been extensively exposed to capital markets, mostly in the Sub Saharan Africa. He has witnessed over 100 Capital Market Transactions in his career to date. Before joining Corpserve in 2003,Setfree worked for Renaissance Securities, a Zimbabwean Stockbroking firm, as a back office manager. Thus, capital market transactions have always been running in his blood. His vast regional experience hastransformed the operations of Corpserve Zambia during his tenure as Country Manager and later on asdirector for Corpserve. He has successfully clinched a number of Capital Market Transactions deals for Corpserve. His passion for the Capital Markets, in general, and Stock Markets, in particular, has resulted inthe creation of a strong Corpserve brand that is driven by innovative ideas supported by the application ofappropriate technology. He holds a Bachelor of Commerce in Economics from Unisa. Currently pursuingchartered Financial Analyst (CFA) Program. Shepherd Mwanza MBA, FCCA, FZICA Shepherd Mwanza is a Qualified Chartered Accountant (ACCA) and holder of Masters in Business Administration (MBA) and currently pursuing a Bachelor of Law Degree. He has over 10 years post qualification experience in Internal Audit, External Audit, Financial Reporting, Revenue Assurance and Fraud Management. He is currently Head Internal Audit for First Capital Bank Zambia. Previous roles included; Country Head Internal Audit Ecobank Zambia, Manager Revenue Assurance & Fraud Management ZAMTEL, Supervisor KPMG Zambia and Senior Accountant KPMG South Africa. Mwangala Mwiya BSc, MSc, CISA. Mwangala Mwiya is an Information Technology Professional with over 8 years postqualification experience in Database Administration, System Administration, Software Development and IT service delivery and Management. He is the founder of a Fintech startup called KwikFin, which is a mobile based instant advance facility. He is also has a hand in software development house called Laplace Business Solution and an Insurance Broking firm called GetCover Solutions Limited. Mwangala Mwiya had been active on the Zambian startup scene and has helped several startups go to market and reach levels of stability. He is holds a Bachelor of Science in Computer Science from the Copperbelt University, A Master s Degree in IT Security from the University of Zambia, Certified Information System Auditor (CISA),Investment Advisory and Stock Broking Certification, Oracle Certified Professional among other professional qualifications. 14. CONTACT DETAILS Postal Address: Po Box 32350,Lusaka Physical Address: 94A Mwayi Road, Villa Elizabetha, Lusaka Tel: Mobile: invest@hobbiton.co.zm
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