Brief overview :

- 13 maturities in January for a total of $18,459,244
- 8 maturities in December for a total of $12,975,000
- 14 maturities in November for a total of $24,875,000
- The fund currently holds 660 policies for a total sum assured of $1.5bn
- Total maturities have generated $360m and are occurring, on average, at 60% of predicted Life Expectancy

As always, if you have any questions, do please Contact Me.

Please note that the information contained in any liquidity projections is estimated and does not imply or guarantee future performance or warrant that the return of capital will match the estimates. The figures are based on current information, where available, regarding each fund’s ability to meet redemptions. Estimates may therefore be subject to material change without notice as fund circumstances, market conditions and or foreign exchange rates change.

The chances for any refunds in the near future look remote. Any new information that I receive will be posted here immediately so keep an eye open or to my update service. I am very sorry that Capricorn are so bad at giving anything useful. If you need any further information then please contact me.

1 – Morningstar have given the WIOF South East Asia Performance Fund a 5 star rating

2 – The fund manager, CIMB, have been awarded the title of ‘best asset management company‘ in South-East Asia according to ‘The Asset’ magazine.

3 – The WIOF South East Asia fund has grown 13.78% in the past 12 months and 65.24% over the past 3 years. This makes it the best performing fund in its sector over the past year!

4 – The funds holds comfortable cash levels and therefore is well positioned to take advantage of bargain stocks.

5 – You can switch from one SFM fund to another without incurring any redemption penalty.

I have attached the latest fact sheet for you to take a look at and please also visit the SFM WIOF Website for all the latest news on this and all of the other funds in the range. The funds can be accessed through most Personal Portfolio Bonds (PPB) or direct. If you are interested to do so then please Contact Me and I shall help.

The fund invests into China, India, Russia, Africa and Emerging Market Bonds in equal weighting and therefore this is a great opportunity to invest into the potential growth markets without the downside risk.

The Capital Guarantee is provided by Societe Generale and is valid providing the fund is held until January 2019. However, there is no commitment to remain invested for this length of time as the fund is weekly traded so you can buy or sell at any time for only a 1% charge.

The guarantee is set at an NAV of 90.00 and the current NAV is 79.30 (31st Jan 2012). Therefore you can now invest at 79.30 and have the guarantee of 90.00 (effectively a guarantee of almost 112%). You can check the latest NAV at any time.

I have attached the Guaranteed Emerging Markets Fund fact sheet and also the fund presentation for you to take a look at. Please Contact Me to buy the fund direct or through your existing Personal Portfolio Bond (PPB).

Look no further; the SFM Guaranteed Emerging Markets Fund currently (@ 31st January 2012) has an almost 112% guaranteed maturity price for January 2019 along with a huge upside potential.

The fund invests into China, India, Russia, Africa and Emerging Market Bonds in equal weighting and therefore this is a great opportunity to invest into the potential growth markets without the downside risk.

The Capital Guarantee is provided by Societe Generale and is valid providing the fund is held until January 2019. However, there is no commitment to remain invested for this length of time as the fund is weekly traded so you can buy or sell at any time for only a 1% charge.

The guarantee is set at an NAV of 90.00 and the current NAV is 79.30 (31st Jan 2012). Therefore you can now invest at 79.30 and have the guarantee of 90.00 (effectively a guarantee of almost 112%). You can check the latest NAV at any time.

I have attached the Guaranteed Emerging Markets Fund fact sheet and also the fund presentation for you to take a look at. Please Contact Me to buy the fund direct or through your existing Personal Portfolio Bond (PPB).

Hansard International’s Special Offer is available until the 30th March 2012 and gives your long term savings a helping hand right from the start. There are no complicated formulas, just something extra to get you started.

Up to 600% allocation:

At the start of the contract, they will invest up to 600% of your initial contribution, depending on the frequency and term of your contributions.

That’s 500% extra allocation or the equivalent of 5 extra contributions added on day one, at no cost to you.

All they ask is that you are investing at least GBP 250 (or currency equivalent) per month over at least 10 years.

Standard features:

Even before their Special Offer you already receive the following benefits:-

Bonus units – after the initial period is complete, bonus units are allocated at a rate of 0.75% per year of all accumulator units and previously allocated bonus units. This effectively
reduces the 1.0% per year annual management charge for accumulator units to approximately 0.25% per year.

105% allocation after 10 years – once you have made contributions for a continuous 10 year period at the originally contracted level, they will increase the allocation for subsequent contributions to 105%.

If you are interested to learn more and to participate in this offer then please Contact Me immediately.

Hansard International’s Special Offer is available until the 30th March 2012 and gives your long term savings a helping hand right from the start. There are no complicated formulas, just something extra to get you started.

Up to 600% allocation:

At the start of the contract, they will invest up to 600% of your initial contribution, depending on the frequency and term of your contributions.

That’s 500% extra allocation or the equivalent of 5 extra contributions added on day one, at no cost to you.

All they ask is that you are investing at least GBP 250 (or currency equivalent) per month over at least 10 years.

Standard features:

Even before their Special Offer you already receive the following benefits:-

Bonus units – after the initial period is complete, bonus units are allocated at a rate of 0.75% per year of all accumulator units and previously allocated bonus units. This effectively
reduces the 1.0% per year annual management charge for accumulator units to approximately 0.25% per year.

105% allocation after 10 years – once you have made contributions for a continuous 10 year period at the originally contracted level, they will increase the allocation for subsequent contributions to 105%.

If you are interested to learn more and to participate in this offer then please Contact Me immediately.

New download attachment: “Hansard Aspire Special Offer Until 30th Mar 2012”.

Fund Liquidations & Closures
2011 Nov – HIL Pathfinder Funds Closed.
Feel free to download any of the information packs below.

Investment into the LM Managed Performance Fund can only be made through their global network of financial advisers and intermediaries. It is important that investors read the warning statements as well as the information memorandum for complete details of the fund.

About the Fund.

LM utilises its property expertise and business relationships spanning Australia’s property sector with the aim of selecting investments that offer investors in the fund a yield from property and/or property related investment. Yield is delivered to investors as income only, to assist in simplifying Australian taxation requirements for property and for non-Australian resident investors.

The LM Managed Performance Fund has a broad investment mandate which allows LM, as Manager, to drive performance through the informed selection of a range of investment opportunities.

The fund currently invests in commercial loans secured by first and second mortgages, direct real property, cash and ‘at call’ securities).

Fund Objective.

To provide a steady income stream relevant to the risk return of the fund. Investments in the LM Managed Performance Fund can be hedged in the relevant currency against Australian dollar currency investments.

Key Features of the Fund.

• Minimum Investment Amount: AUD1,000.
• Currency Options: AED, AUD, CAD, CHF, DKK, EUR, GBP, HKD, JPY, NOK, NZD, SEK, SGD, THB, TRY, USD and ZAR. An investment in AUD is not hedged. Investment may be arranged for most currencies.
• Investment Term:
Personal Investors – 1 year, 2 year, 3 year, 4 year and 5 year investment terms, as well as a Savings Plan option.
Global Platform and Portfolio Bond Investors – Rolled up 12 month, 24 month and 36 month investment option.
• Distribution Frequency:
Personal Investors – AUD investments: monthly; Non-AUD investments: monthly, quarterly, annually or at the end of the investment term.
Master Trusts, Wraps and Global Bond Providers – Partial redemption of units equivalent to the fund distribution on a monthly or quarterly basis.
• Minimum Withdrawal: Multiples of AUD1,000.
• Withdrawal Notice: At least 90 days prior to the maturity date of the investment term.
• Minimum Balance: AUD1,000.

More information about this fund can be found on the LM Investments Website but feel free to download any of the useful attachments shown below. If you would like to take part in this fund or would like to ask me any questions then please Contact Me for more details.

For any further information about Quantum or the fund range you may Contact me here.

December: Skandia International is pleased to announce that the following fund is now available on the Royal Skandia fund range:

Allianz RCM Renminbi Currency Fund
• This is the first fund to offer access to the potential of Renminbi currency appreciation in a daily priced, daily liquidity fund.
• The fund offers a diversification opportunity for those clients with exposure to Chinese equities, and is potentially of interest for more cautious model portfolios which cannot accept equity volatility associated with Chinese equities.

February 1st 2012 (restart 2/2/12) – Federal Territories Day in KL.
February 4th until February 7th (restart 8/2/12) – Prophet’s Birthday and Thaipusam.
May 1st (restart 2/5/12) – Labour Day.

Hansard International gives a regular overview of the world markets on a weekly basis. This looks at what has been happening and what may be on the horizon. It is a well written and easy to read article. You can download this every week from this site. If you are interested to look at the range of Hansard products and the great funds available then please contact me.

This is a marvellous way to get a wide range of views summarised in one place. I shall try to keep this updated every month and if you have any questions about Skandia International or any of the funds then please Contact Me and I shall try to help.