We are pleased to Introduce constituent funds to manage members’ assets corresponding to their risk preference and age. These funds will allow members to go through dynamically managed investment phases.

— Aggressive (recommended age of 15 – 45)

For members who are convinced about taking investment risk in expectation of higher returns. We expect majority of members to spend most of their time invested in this fund, to serve as a consolidating phase to prepare members fund as they approach retirement.
The fund will invest in a diversified portfolio with these limits: GoG 75%, FDs 35%, Corporate Bonds 35%, Equities 20%, Collective investments 15% and Alternative investment 15%.

— Moderate (recommended age of 46 – 54)

This fund is for members who are cautious about their investment and are not expectant of higher returns. The purpose is to preserve the value of members savings. The fund in a less volatile diversified portfolio and have these limits: GoG 75%, FDs 35%, Corporate Bonds 35%, Equities 2%, Collective investments 2% and Alternative investment 2%.

— Conservative (recommended age of 55 – 60)

This fund is for members who are extremely cautious about their investment and are not expectant of higher returns. The fund is more like a pre-retirement, and its purpose is to preserve the value of members savings. The fund would concentrate mainly at the fixed income end and have these limits: GOG 75%, FD 35%, Corporate bond 20%.

— PDD (above 60)

This fund is to provide a savings vehicle to members who have gone on retirement and can draw on their fund on an agreed frequency (monthly, quarterly, semi-annual & annually). The fund would invest mainly in fixed income space with the least risk with these limits: GOG 75%, FD 35%, Corporate bond 20%.