Discretionary individual portfolio management

The Aggressive Mandate is for clients who seek to maximize returns, with the flexibility to invest in equities up to 100%. While primarily focused on capital growth, the mandate can also invest in bonds, money-market products, and decorrelated strategies to mitigate volatility. The investment horizon is at least 5 years. The risk profile is high risk tolerance, with clients willing to accept significant fluctuations in portfolio value. Target Markets are the following: Retail Clients: (High-net-worth only) with an exceptionally high-risk tolerance and long-term investment horizon, understanding and accepting the possibility of significant volatility. Professional Investors: Looking to maximize returns with full exposure to the equity market and flexibility to invest in high-risk, high-reward opportunities. Eligible Counterparties: With the highest risk tolerance and the ability to absorb substantial portfolio variations in pursuit of long-term capital growth.

The corresponding Aggressive Fund Mandate solution is focusing on maximizing returns through full exposure to equity funds (up to 100%). While primarily aimed at capital growth, it can include some bond or decorrelated strategy funds to manage volatility during downturns. The investment horizon is at least 5 years. The risk profile is high risk tolerance, accepting significant volatility. Fund Allocation is Equity Funds: 80-100%, Bond and Fixed-Income Funds: 0-20%, Decorrelated Strategy Funds: 0-5% Target Market: Retail Clients: High-net-worth clients with long-term horizons and high-risk tolerance. Professional Investors: Maximizing returns with full exposure to equity markets. Eligible Counterparties: Highest risk tolerance, aiming for significant long-term growth.

The Moderately Aggressive Mandate is intended for clients who seek higher returns with increased exposure to equities (up to 75%). The strategy focuses on enhancing returns while managing risk through a combination of equities and fixed-income instruments. Investment Horizon: 3 to 5 years. Risk Profile: Higher risk tolerance with a focus on capital appreciation. Target Market: Retail Clients: With high risk tolerance and an understanding of market fluctuations, seeking higher returns over the medium term. Professional Investors: Who are comfortable with higher equity exposure and are willing to take on additional risk for the potential of increased returns. Eligible Counterparties: Seeking enhanced returns with a higher risk appetite, often using diversified instruments.

The corresponding Moderately Aggressive Fund Mandate targets higher returns with increased exposure to equity funds (up to 75%). It seeks capital appreciation by balancing higher-risk investments with some fixed-income funds to manage volatility. Investment Horizon: 3 to 5 years. Risk Profile: Higher risk tolerance with a focus on capital appreciation. Fund Allocation: • Equity Funds: 60-75% • Bond and Fixed-Income Funds: 20-35% • Money-Market Funds: 0-5% Target Market: Retail Clients: High risk tolerance, comfortable with market fluctuations for medium-term growth. Professional Investors: Comfortable with higher equity exposure. Eligible Counterparties: Seeking enhanced returns with a higher risk appetite.

The Moderate Mandate is for clients who seek a balance between risk and return, aiming for moderate risk-adjusted growth. It allocates up to 50% of the portfolio to equities and uses a combination of fixed-income instruments to mitigate risk. The investment Horizon is from 3 to 5 years. The Risk Profile is Moderate risk tolerance with a desire for balanced growth. Target Market: Retail Clients: With some investment experience and a willingness to take moderate risks for balanced returns. Professional Investors: Looking for a diversified portfolio with a medium-risk strategy that balances fixed income and equities. Eligible Counterparties: With a moderate risk appetite, seeking balanced risk-adjusted returns across various asset classes.

The Corresponding Moderate Fund Mandate offers balanced risk-adjusted growth, combining fixed-income and equity funds. It allocates up to 50% of the portfolio to equities for moderate growth potential, while the rest remains in bonds and fixed-income funds for stability. Investment Horizon: 3 to 5 years. Risk Profile: Moderate risk tolerance, balancing growth with stability. Fund Allocation: • Equity Funds: 40-50% • Bond and Fixed-Income Funds: 40-50% • Money-Market Funds: 0-10% Target Market: Retail Clients: With some investment experience, willing to accept moderate risk for balanced returns. Professional Investors: Seeking a medium-risk, diversified portfolio. Eligible Counterparties: With moderate risk appetite, looking for risk-adjusted returns.

The Defensive Mandate is designed for clients seeking capital preservation and a low-risk strategy. It focuses on providing stable and regular income through investments in government and corporate bonds, money-market products, and other cash investments. Up to 25% of the portfolio may be allocated to equities. Investment Horizon: 1 to 3 years. Risk Profile: Low risk tolerance, prioritizing security overgrowth. Target Market: Retail Clients: With limited investment experience, seeking capital preservation and stable returns with minimal risk. Professional Investors: With a conservative financial objective, who prefer stable and lower-risk investments. Eligible Counterparties: With a low-risk appetite, but potentially looking for reliable returns without high exposure to equities.

The corresponding Defensive Fund Mandate Fund Solution is designed for clients seeking capital preservation with low risk. It aims to provide steady income by investing primarily in bond and money-market funds. Up to 25% of the portfolio may be allocated to equity funds, targeting stable, moderate returns. The Investment Horizon is from 1 to 3 years. The Risk Profile is Low risk tolerance, prioritizing security and minimal volatility. Fund Allocation: • Bonds and Fixed-Income Funds: 60-80% • Money-Market Funds: 10-20% • Equity Funds: Up to 25% Target Markets are : Retail Clients: With limited experience, focusing on capital preservation and low risk. Professional Investors: With conservative objectives and preference for low volatility. Eligible Counterparties: With low-risk appetite, aiming for predictable returns.