VITAL INVESTMENT PPS Investments provides integrated and comprehensive solutions tailored for discerning clients PPS Investments started in 2007 and is a subsidiary of the 80-year-old PPS, a holistic financial-services company specialising in bespoke financial solutions exclusively to graduate professionals. Operating under the ethos of mutuality, PPS shares 100% of its profits among its qualifying members through the PPS Profit-Share Account. PPS Investments offers a suite of flexible investment solutions that covers pre-retirement, post-retirement and wealth creation. Investment solutions include pre-retirement preservation funds and retirement annuities; post-retirement living annuity, living annuity with lifetime income (available exclusively to PPS members) and Vested PPS Profit-Share Account (also available exclusively to PPS members); and wealth-creation solutions include an investment account, endowment plan and a tax-free investment account. INVESTMENT HOUSE The investment team believes that investors should have access to different investment styles to build a sensibly diversified portfolio. As such, PPS Investments offers a range of single- and multi-managed funds that are carefully researched and constructed to suit most investment needs, risk appetite and time horizon. By tapping into its multi-manager philosophy and in-depth research, clients gain access to the country’s top asset managers combined into one solution. The investment team offers the opportunity for optimal diversification by blending an appropriate combination of investment styles and asset classes that are best suited to take advantage of opportunities at different times in the cycle. The five fundamental pillars of this investment house are their people, philosophy, process, performance and product. PPS FUND RANGE The carefully constructed PPS fund range offering is geared to meet the investment needs at every life stage of PPS members, their families and other discerning investors, too. PPS multi-managed funds blend carefully selected asset managers – each with unique skills and expertise – into a single fund. These funds are suitable for investors across the risk spectrum, at competitive prices. Investment expertise, manager research, manager selection and optimal blending are all packaged into one fund. In addition, the PPS single-managed or partnership funds are expertly managed by one premium, specialist asset manager carefully selected by the investment team. Funds in this range offer access to managers that add value through their proven investment philosophies, experience and expertise. Furthermore, it affords added opportunities for diversification at attractive prices. COMPETITIVE ADMINISTRATION FEE STRUCTURE As a platform, PPS Investments offers appropriate and flexible solutions with transparent fee structures. No initial administration fee is charged and clients could pay reduced ongoing administration fees based on the total amount invested on their platform. A tiered scale is applied to the annual platform administration fees applicable to the PPS select range of funds. REDUCED FEES FOR FAMILY MEMBERS The PPS Investments Family Network enables clients to connect their family’s investments on the platform, enabling them to benefit from a reduced administration fee. The more the client and their family invest, the more everyone could benefit. BOOST PPS PROFIT-SHARE ALLOCATION When investing, clients can enjoy even more profit-share allocation as a qualifying PPS member by: Choosing PPS funds and solutions as they earn profit share on their holistic portfolio Linking their spouse, children, parents and parents-in-law invested on the platform Holding more products from across the PPS group, and tapping into the booster benefit accessible through PPS Profit-Share Cross-Holdings Booster. EASE OF SERVICE A PPS investor has access to their investment information and are able to do online transactions safely and confidently on the PPS Investments Secure Site. 0860 468 777 [email protected] www.pps.co.za/invest The information, opinions and any communication from PPS Investments Group, whether written, oral or implied are expressed in good faith and not intended as investment advice, neither does it constitute an offer or solicitation in any manner. Furthermore, all information provided is of a general nature with no regard to the specific investment objectives, financial situation or particular needs of any person. It is recommended that investors first obtain appropriate legal, tax, investment or other professional advice prior to acting upon such information. Collective Investment Schemes in Securities (CIS) are generally medium-to long-term investments. The value of participatory interests (units) may go down as well as up, and past performance is not necessarily a guide to future performance. CIS are traded at ruling prices and can engage in borrowing and scrip lending up to 10% of the market value of the portfolio to bridge insufficient liquidity. A schedule of fees and charges and maximum commissions is available on request from the manager. The manager does not provide any guarantee either in respect of the capital or the return of a portfolio. A CIS may be closed to new investors in order for it to be managed more efficiently in accordance with its mandate. Certain funds may be exposed to foreign securities and as such, may be subject to additional risks brought about by this exposure. A fund of funds portfolio is a portfolio that invests in portfolios of collective investment schemes that levy their own charges, which could result in a higher fee structure for the fund of funds. A feeder fund is a portfolio that invests in a single portfolio of a collective investment scheme, which levies its own charges and which could result in a higher fee structure for the feeder fund. PPS Investments Group is a subsidiary of Professional Provident Society Insurance Company Limited, a Licensed Insurer and Financial Services Provider. PPS Investments Group consists of the following authorised Financial Services Providers: PPS Investments (Pty) Ltd (‘PPSI’), PPS Multi-Managers (Pty) Ltd (‘PPSMM’) and PPS Investment Administrators (Pty) Ltd (‘PPSIA’); and includes the following approved Management Company under the Collective Investment Schemes Control Act: PPS Management Company (RF) (Pty) Ltd (‘PPS Manco’). Financial services may be provided by representative(s) rendering financial services under supervision. www.pps.co.za/invest The PPS Global Equity Fund is registered and approved for marketing in South Africa under section 65 of the CISCA. The PPS Global Equity Fund is a sub-fund of the Prescient Global Funds ICAV. For more information visit www.prescient.ie. The PPS Profit-Share Account and PPS Profit-Share Cross-Holdings Booster are benefits available to PPS members only and are not financial services regulated by the FAIS Act, but are Insurance obligations in terms of the Insurance Act 18 of 2017.