Minimum investment: R 250 000

Yield: Compounding 11.78% over 5 years added with up to 6.49% boost if invested for the full term.

Investment term: 5 years

Notice period after lock-in term: 3 months

Diversification factor: Investment is diversified over more than 10 companies in 10 different sectors

The boost: A boost of up to 6.49% can be expected if invested in the growth option for 5 years. If the switch is made after year 4 the boost is up to 3.25%. If the switch is made after year 3 the boost is up to 1.62%. If the switch is made before 3 years the boost will be forfeited. The boost is not a guarantee and is based on investment performance.

Penalties: There is a 10% penalty if the investment is withdrawn within the first year, from year 2 the penalty is 5% until the investment has reached maturity.

*No yields are payable from withdrawal instruction.

To offset the costs of the investment, a hurdle rate is set. Meaning that the product provider does not reach the set hurdle rate, no costs may be deducted from the investors' investment.

The Hurdle Rate is the yield allocated to the client. Any costs, admin fees, performance fees, and broker fees are paid from the yield received above the hurdle rate.

This ensures that the client is set as first priority and the fund performance needsto be driven by the investment managersto be able to offset any costs incurred on the investment.