PORTFOLIO OBJECTIVES & OVERVIEW
The eight Harmony portfolios are offered via single priced funds, providing a cutting edge solution for investors with efficient investment management, client administration and enhanced liquidity. The eight profiles are US Dollar Balanced, US Dollar Growth, Euro Balanced, Sterling Balanced, Sterling Growth, Asian Balanced, Asian Growth and Australian Dollar Growth Fund. With eight bespoke funds to choose from, the individual needs of each client can be provided via a combination of one or more of these core solutions together with selected satellite funds to meet individual’s needs. Each Harmony fund offers a well-diversified solution, with exposure to seven key asset classes: cash, investment grade fixed income (bonds), alternative fixed income (emerging market debt & high yield bonds), equities (shares), alternatives (funds of hedge funds), commodities & property. The portfolios are diversified by asset class, currency, regional equity exposure, manager and style in order to provide sustainable returns and reduced volatility. Many of the managers are inaccessible to the retail market and all are appointed at a highly competitive fee level.
The portfolios are managed by a team of experienced investment professionals at RMB Asset Management in London. RMB Asset Management is authorised and regulated by the Financial Services Authority in the UK. Investors can be confident that their portfolios are being managed within a strictly regulated environment by a well-qualified and experienced team with significant resources spent on manager research across the globe. RMB Asset Management is wholly owned by the FirstRand Group in South Africa. FirstRand has an excellent brand within Africa, is capitalised at over $11.2bn, and has a very strong balance sheet with notably high capital ratios. The FirstRand group is one of the top 10 listed companies of the JSE Securities Exchange.
FUND PERFORMANCE SYNOPSIS
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1.06% |
3.06% |
25.01% |
15.2% |
6.5% |
-29.0% |
1.19% |
15.54% |
30/06/05 |
0.8302 |
0.9893 |
|
0.88% |
2.01% |
20.11% |
13.2% |
6.7% |
-27.5% |
0.10% |
12.67% |
30/06/05 |
0.8782 |
0.9988 |
|
0.55% |
3.77% |
17.75% |
11.3% |
2.0% |
-22.1% |
2.58% |
7.67% |
30/06/04 |
0.9164 |
1.0010 |
|
-0.52% |
4.09% |
23.60% |
10.4% |
3.5% |
-12.6% |
1.92% |
33.33% |
30/06/04 |
0.9955 |
1.0239 |
|
-0.30% |
3.82% |
18.65% |
8.8% |
2.6% |
-12.3% |
0.59% |
24.89% |
30/06/04 |
1.0100 |
1.0232 |
|
1.03% |
2.04% |
26.07% |
- |
16.4% |
-29.5% |
-0.09% |
9.98% |
30/11/07 |
0.8994 |
1.0013 |
|
0.88% |
2.24% |
19.57% |
- |
10.9% |
-25.0% |
-0.68% |
3.25% |
30/11/07 |
0.8972 |
1.0099 |
|
-1.00% |
-1.00% |
9.43% |
- |
- |
- |
3.35% |
17.08% |
14/12/09 |
1.0159 |
0.9916 |
|
