PORTFOLIO NAME & OBJECTIVE

INVESTOR PROFILE

PORTFOLIO COMPOSITION

RISK RATING

PORTFOLIO FEATURE

 Royal Trust – To   generate high  returns over the  long-term

 Suitable for Investors  who:
 * Expect High returns
 * Has appetite for substantial risks

 100% equity   based  investments

 Very High
 High  exposure to equity securities is prone to high volatility which may result in positive or negative returns

 Strategy:
 Active management by investment department to take opportunities in the  market

 Composition:
 Equity and fixed income securities and Real Estate  Investment in the near term subject to approval by Pencom

 Benchmark:
 The weighted average  returns on the Nigerian stock exchange all share  index for equity allocation  and the Nigerian Treasury  Bills for fixed income allocation.

Fees:
As provided by PenCom

 Royal Trust  Guaranteed Fund  – To  provide  capital appreciation and high returns over  the long-ter

Suitable for investors who: 
i. Expect capital growth
ii. Are willing to take considerable risk

 70% invested in  equity.

 30% invested in  fixed income  securities.

This portfolio has a  high risk rating but  with less volatility than the  fund due to fixed income securities in the  portfolio

 Royal Trust  Moderate Fund –  To  generate  moderate returns  from a balanced  mix of equity and  fixed income fund

Suitable for investors who:
i. Expect a combination of income and growth.
ii. Are willing to take  only moderate risks.

 50% invested in  equities.

 50% invested in  fixed income  securities.

Moderate
The portfolio exhibits moderate equity volatility because of the moderate exposure to equity securities.

 Royal Trust Ethical Fund – to provide capital  appreciation while  observing investors moral or religious  investment principles.

Suitable for investors who:
i. Have religious or moral. requirements
ii. Can take substantial risks.

 100% invested  in  selected  equities

Very High
The 100% exposure to equity securities may result in positive or negative returns.

Royal Trust frugal Fund – To preserveInvestment Capital without much consideration for real returns.

Suitable for investors who: 
i. Want to benefit  from returns from equity.
ii Are risk averse.

 25% invested in  equity funds.

 75% invested in  fixed income  securities .

Low
The portfolio has a  very low equity risk  due to the low  exposure to equities.

Royal Trust Term Income – To preserveInvestment Capital and generate periodic  income.

Suitable for investors who: 
i. Are risk averse .
ii. May have  short- term needs/likely to retire  in short term.

100% invested  in fixed income securities.

Very Low
No equity risk associated with this portfolio.