I n d e p e n d e n c e . C o n t i n u i t y . Va l u e .

Wealth AssociatesMULTI-ASSET PORTFOLIOS

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The Wealth Associates Portfolio Range

With investments, risk simply reflects a level of uncertainty. That is, the higher the risk of an investment, the less certain the outcome. Achieving returns much lower than expected may have negative consequences to an investor. The main purpose of the Wealth Associates Portfolios is to ensure that our clients are compensated over time for the uncertainties of investing.

Markets have become more complex. Whilst common sense and experience remain the primary drivers of good investment decision-making, the role of “science” is increasingly becoming a critical ingredient in the “art” of investing”. Significant strides have been made in portfolio construction technology and Wealth Associates have adopted an approach that blends experience built up over the years with global leading-edge technology.

THE FOUR PORTFOLIOSOur Portfolio are exclusively available to advisors within the Wealth Associates Group. Our solutions were designed from the outset to be both simple and sophisticated, with each of the four portfolios possessing well-defined characteristics. As a group, we bring together the critical ingredients in achieving superior wealth management solutions - a rigorous advice capability combined with a robust investment process.

The willingness and ability to take risk differs from one investor to the next. Needs vary, as do circumstances. The four portfolios from Cautious to Growth employ the Progressive risk allocation approach in order to cater for the different time periods and sensitivity to interim volatility of our diverse investor base. Our aim is to ensure that our clients are compensated over the appropriate time period for the uncertainties of investing.

Certainty

Exp

ecte

d re

war

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Cautious

Moderate

Balanced

Growth

Our aim is to ensure that our clients are compensated over the appropriate time period for the uncertainties of investing.

Wealth Associates Flagship Range 3

OUR PROCESSEach investor in our Portfolios owns a carefully crafted basket of select unit trust funds and ETFs that have been combined to give effect to the risk and return objectives of the portfolio. Our investment committee leverages internal as well as external expertise in constructing the portfolios. Investing has become highly skilled and building the best solutions quite simply means engaging the best talent available.

Our approach has been to focus predominantly on selecting underlying funds with specialised mandates, instead of opting for broad, more general mandates. This allows us to focus independently on finding the right investment teams for our specific purposes, as well as to control costs and better monitor risk.

A SUPERIOR SOLUTIONMany different approaches to investing exist – some are simply superior to others. We work hard to ensure that what we do is right up there with global best practice. We not only aim to get things right; we also aim to avoid the mistakes that are routinely made by so many investment teams.

Why the Wealth Associates range of portfolios?

• Designed from the outset as wealth management solutions complimentary to the advice process of our advisors, not just investment portfolios• Employs global, leading edge portfolio construction technology • Best-of-breed approach that gives us access to a deep pool of talent • Risk-focussed approach that emphasises diversification and consistency • Depth of research in selecting and asset managers and funds • A constant monitoring and review process to ensure portfolio compliance • Cost efficiencies as a result of superior fee arrangements with underlying managers

HOW TO INVESTThese portfolios are exclusive to clients of Wealth Associates and are available on Momentum Wealth, Investec, Glacier and Allan Gray, as well as directly on the BCI Manco platform.

FEESWealth Associates and PortfolioMetrix have used their combined in influence to obtain the lowest possible portfolio fees for our clients. This means that from the very start of your investment experience you enjoy a fee structure that is highly efficient and usually only available to large investors.

FinancialAsset

AllocationManager Selection

Implementation & Monitoring

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I n d e p e n d e n c e . C o n t i n u i t y . Va l u e .

ALASTAIR MACKIE , BSc, MSc

Alastair (BSc, MSc) is a financial adviser specialising in investment management for individuals since 1994. With this amount of experience in the industry, Alastair’s analytical expertise coupled with an extensive knowledge of the asset management market adds significant experience in structuring portfolios.

JEREMY SQUIER, BCom, CFP®, Post Grad Diploma Investment-planning (UOFS)

Jeremy has been engaged in the broader financial services industry since graduating from University in 1983. He moved into the Financial Planning arena in 1989 and was initially with the Liberty Group for 2 years and then with the Sage Group for 12 years. He became an independent advisor in 2003 at which time he established Bespoke Solutions. Jeremy has extensive experience both at a client advisory and investment portfolio construction and maintenance level and he brings a strong client centric emphasis to the construct of the Wealth Associates portfolios. Jeremy is a Key Individual on the Wealth Associates Asset Management FSP.

MARC DU PLOOY, N Dip., B Tech. Internal Auditing & Financial Management

Marc started in 1986 in the financial services industry. He has a knack for lateral thinking and is an intuitive but analytical decision maker. He has successfully identified, implemented developed business and market opportunities and produced profitable results. Marc has held positions as General Manager: Finance and Strategy, Chief Operating Officer, Executive and Non Executive Director of several diversified Financial Services Companies. Marc is the Managing Director of Wealth Associates South Africa and the Executive Director and KI (Management) of Wealth Associates Asset Management.

BRANDON ZIETSMAN, BCom (Accounting and Law), HDip (Tax), CFA, CAIA, IMC

Brandon has been in the financial services industry since 1993 across derivative structuring, quantitative research, product development and investment management. Prior to starting PortfolioMetrix, Brandon headed up Absa’s Investment and Product Office and, before that, was CEO at RMB Unit Trusts. During this period he was engaged in industry level activities as a board member and deputy chair of the then Association of Collective Investments. As part of his broader management responsibilities, Brandon formally fills the CIO role in the South African business and remains fully engaged in the investment management and product development processes at PortfolioMetrix.

BRENDON DE JONGH, BCom (Investment Management), BCom (Hons) (Financial Planning), CFP®, CAIA, CFA, IMC

Brendan began his career in 2008 as a trainee financial advisor after completing his undergraduate degree from the University of Pretoria. While gaining valuable experience in the financial planning industry, Brendan studied part-time for his Honours qualification as well as the CFP® designation. He worked as a financial consultant to individuals as well as the technical trainer at Alexander Forbes prior to joining PortfolioMetrix in 2013. Brendan is a driving force behind the process of evaluating fund managers for inclusion in the portfolios as well as the asset allocation and risk optimization processes which form an important part of the portfolio construction and re-balancing.

For more information contact:Wealth Associates Asset Managers

Reg no: 2003/012179/07 Tel: +27 11 807 6182

Authorised financial services provider (21018) Email: marc@wealthassociates.co.za

39 Cowley Road, KleveHill park, SandtonWebsite: www.wealthassociates.co.za

43 Homestead Road, Rivonia, PO Box 412636, Craighall, 2024

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