DEFINED CONTRIBUTION FUND WITH INVESTMENT OPTIONS INTO TRADITIONAL AND NON-TRADITIONAL FUND MANAGEMENT OPTIONS

The fund is defined contribution, therefore the member entitlement on termination event or retirement is allocated balance on such event. This is predominantly determined by the level of member contribution with the investment performance of the fund less costs.

There are diverse views in the market on classes of investment, ranging from life stages approach, hedge funds, active vs. passive investment strategy and an increasing school of thought that alternative investment categories such as private equity and cryptocurrency holdings should also be considered.

The currency of investment is further sensitive point which should be recognised, where schools of thought range from a diversified strategy, Dollar holdings, the true value of the Yen, India Rupees argued to be secure from an internal consumption perspective, to that a prudent approach would be to invest in the currency in which the member plans to retire.

We do not become involved as specialist fund managers and  operate as per employer and / or member instruction to ensure the objectives of the plan are achieved, provided within  the rules of the fund and due diligence / risk management parameters complied with.