FIXED RETURN PORTFOLIO
INCOME
5 YEAR FORECAST OPTION
Forecast presented to
Forecast details
Full Names and Surname
Rian Strauss
Initial Investment
R4,000,000.00
Dividend Policy (payable monthly)
Identity Number
12.6% p.a.
Annual Bonus (yearly)
Contact Number
0824124608
Capital Protection
Email Address
rian.strauss1@gmail.com
* Tax
Forecast Date
1%
100%
20% Dividend Withholding Tax
Investment Term
Forecast Number
Commencement Date
Financial Advisor
Inge Duvenage
Expiry Date
Forecast Version
01
* Please review the Terms and Conditions on page 2
Gross Monthly Payout (before tax)
Investment details
Risk Profile
Low
5 Years
Low-Med
Medium
Med-High
High
Alternative investments are long-term investments and aimed at
Investors who will not need access to their capital in the short, or
even medium term.
Investment Class
Alternative Investments
Investment Focus
Generate predictable returns over a 60 month investment period
Investment Portfolio
Alternative Fixed Income
Capital Allocation
100%
Fees
Any fees for the conclusion of your Aluma Capital investment
by your financial advisor will be paid directly by Aluma Capital
and not you, the Client. Aluma Capital does not deduct any fees
from your initial investment amount and confirms that the capital
allocation remains that of 100%.
Monthly
R42,000.00
Annual Bonus ( 1 %)
R40,000.00
Nett Monthly Payout (after tax)
Monthly
R33,600.00
Annual Bonus ( 1 %)
R32,000.00
Capital Payout (after 5 years)
R4,000,000.00
DISCLAIMER: Terms have a limited life, so should an Investor delay
in accepting, a new investment forecast will be issued. Should your
circumstances change in any major way you must inform us.
Portfolio Manager
Aluma Capital (Pty) Ltd (FSP 46449)
Aluma Capital (Pty) Ltd
Fintech Campus, Cnr Lynnwood and Botterklapper, The Willows, Pretoria, 0081
Tel: +27 (0)12 012 5291 | Email: info@aluma.co.za | Web: www.aluma.co.za | Reg.No. 2015/209991/07
Aluma Capital (Pty) Ltd is an Authorised Financial Services Provider (FSP 46449) and an alternative multi asset product manager.
ALUMA CAPITAL (PTY) LTD | FIXED RETURN INCOME PORTFOLIO | 5 Year Forecast
Document Version: 5.00
Page 1
Aluma Terms and Conditions
The opinions expressed in this document reflect the views held as of the
date indicated and are subject to change without notice. Aluma Capital
(Pty) Ltd (“Aluma”) disclaims all liability and responsibility for any reliance
placed on this document, including any inaccuracies, errors, or omissions
in its content, whether caused by negligence or otherwise. This document
is provided for informational purposes only and should not be construed
as financial, investment, or other professional advice as defined under the
Financial Advisory and Intermediary Services Act (FAIS Act). The content is
confidential and intended solely for the recipient’s information. Aluma makes
no representations or warranties regarding the completeness or accuracy of
the information and reserves the right to amend or withdraw this document at
any time without prior notice.
Limited Partner (Investor)
The Investor is the Limited Partner and can be an individual or company that
wishes to participate in a Private Equity Fund through a limited partnership
(En Commandite Partnership). Participation is strictly on a limited, private
placement and private selection basis.
General Partner (Fund)
The Fund selected is the General Partner.
Investment Certificate
Investment certificates are issued to Investors confirming their participation
in the Fund.
Minimum Investment Amount
Individual Client investment minimum amount is R100,000.00. Minimum
additional investment in the same portfolio is R30,000.00.
Additional Investments
Additional investments into the same portfolio will be added to the total
amount, and the overall maturity date will be reset based on the date of the
latest investment.
Entry Age
An individual must be 18 (eighteen) years of age or older to invest in this
product and the maximum age for this product is 91 (ninety-one) years of age.
Legal capacities and responsibilities of individuals based on their age, domicile,
and status in South Africa will apply.
Investment Maturity
At the end of the five-year investment term, the portfolio reaches maturity.
Capital is returned to investors along with any final distributions, subject to
the performance and realisation of the underlying investments. The maturity
process includes a structured exit from portfolio holdings, ensuring that
proceeds are distributed in line with the fund’s terms and conditions. Investors
may also be presented with reinvestment options, where applicable.
Switching Options
Not Applicable.
Risk Profile
Duration of Investment
The initial term of the investment in the Aluma Fixed Return Income Portfolio is
5 years. Should the client, at the end of 5 years wish to continue with a new
5-year term with a new payoff profile prevailing at that point in time, there
will be no sale of the instrument held and therefore, in Aluma Capital (Pty)
Ltd’s view, no tax event. The client can renew the investment on this basis, at
the then-prevailing economics as determined by the fund manager, for a new
5-year term, up to a maximum of 30 years in total.
Early Termination/Redemption/Surrender/Withdrawal
Any early termination of the investment for any reason whatsoever including
(without limitation) at the request of the investor or disruption event may result
in a loss for the investor. A notice period of 90 days is required, during which
the investment will be suspended pending disbursement. The investment will
not accrue any further returns once disinvestment notice has been received.
Where the Investor requests a partial withdrawal of funds from the investment,
penalties/exit fees based on the withdrawal amount will be incurred. The
minimum fund value is set at R100,000.00, and withdrawals can only be made
from amounts more than R100,000.00. Withdrawal requests will be subject to
a waiting period.
Early Redemption Fee Table
Alternative investments are long-term investments and aimed at Investors who
will not need access to their capital in the short, or even medium term. Reasons
for this are that investments are illiquid, and your capital is locked in. Investors
must evaluate and decide on the appropriateness and their exposure appetite
to participate in the private equity opportunity.
Capital Protection
Please note that the use of words or phrases such as (or similar to) “capital
protected” in the name of any relevant security or anywhere in the relevant
documentation or marketing material refers only to the obligation of the fund
manager to repay any initial principal amount at maturity. Capital Protection
is only applicable if the product is held until maturity, i.e. 5 years. Capital
protection to the full is always the intention. Our further intention is to achieve
the hurdle rate.
Tax
Aluma does not give tax advice and recommends that the Investor seeks his/
her own individual tax advice.
Fees
Fund Management Fee: Up to 3% per annum
Advisory Fee: Up to 1% per annum
Month
Penalty
Month
Penalty
Month
Penalty
1
5,00%
21
3,33%
41
1,67%
2
4,92%
22
3,25%
42
1,58%
3
4,83%
23
3,17%
43
1,50%
4
4,75%
24
3,08%
44
1,42%
5
4,67%
25
3,00%
45
1,33%
6
4,58%
26
2,92%
46
1,25%
7
4,50%
27
2,83%
47
1,17%
8
4,42%
28
2,75%
48
1,08%
9
4,33%
29
2,67%
49
1,00%
10
4,25%
30
2,58%
50
0,92%
11
4,17%
31
2,50%
51
0,83%
12
4,08%
32
2,42%
52
0,75%
Name:
13
4,00%
33
2,33%
53
0,67%
14
3,92%
34
2,25%
54
0,58%
Capacity:
15
3,83%
35
2,17%
55
0,50%
16
3,75%
36
2,08%
56
0,42%
17
3,67%
37
2,00%
57
0,33%
18
3,58%
38
1,92%
58
0,25%
19
3,50%
39
1,83%
59
0,17%
20
3,42%
40
1,75%
60
0,08%
There is no entry fee charged on this investment.
AUTHORISED SIGNATORY 1
Date:
AUTHORISED SIGNATORY 2
Name:
Capacity:
Date:
Aluma Capital (Pty) Ltd
Fintech Campus, Cnr Lynnwood and Botterklapper, The Willows, Pretoria, 0081
Tel: +27 (0)12 012 5291 | Email: info@aluma.co.za | Web: www.aluma.co.za | Reg.No. 2015/209991/07
Aluma Capital (Pty) Ltd is an Authorised Financial Services Provider (FSP 46449) and an alternative multi asset product manager.
ALUMA CAPITAL (PTY) LTD | FIXED RETURN INCOME PORTFOLIO | 5 Year Forecast
Document Version: 5.00
Page 2
Definitions
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Addition (Top-Up): Contributing additional funds to the existing
Investment.
Allocation (Investment Allocation): The distributing of invested
funds across various assets, sectors, or regions within a portfolio,
as defined by Aluma.
Alternative Assets: Non-traditional investment vehicles that
don’t include stocks, bonds, or cash. This includes real estate,
private equity, commodities, hedge funds, etc.
Alternative Credit Instruments: Investments in non-bank credit
products such as private debt, direct lending, and distressed debt.
Annual Bonus: Only applicable for investments above R 1 million.
Capital: The money invested by the Investor in the Investment.
Capital Protection: The return of the original capital invested at
the end of the Investment period.
Ceiling Rate: The maximum rate of return that can be earned on
the Investment.
Commencement Date: First of every month, unless pro-rata
implemented
Curator: a person appointed by a High Court to manage a
person’s estate as s/he cannot manage his/her affairs.
Date of Investment: The date on which the Investor makes the
Investment, or; the date on which Aluma Capital (Pty) Ltd accepts
/ approves the Investment.
Disinvestment: The process of withdrawing (a portion or the full
amount?) Capital from the Investment.
Dividends: Payments made by Aluma Capital (Pty) Ltd to the
Investor from Investment profits, on a regular basis.
Early Termination: Ending the Investment partnership before
the end of the agreed-upon Term.
En Commandite Partnership: The limited partnership in terms
whereof the General Partner has unlimited liability, while the
limited partners have liability limited to their investment.
Evergreen Funds: Investment funds that do not have a set
termination date and continuously reinvest profits or capital for
an indefinite period.
Exit Fee: The fee charged by Aluma when the Investor exits or
withdraws from the Investment before the end of the agreedupon Term.
Fees: The fee charged by Aluma related to management,
administration, or other services provided by Aluma at
commencement of the Investment
Fund Manager / Asset Manager: Aluma capital (Pty) Ltd who is
responsible for making investment decisions and managing the
portfolio of assets in the investment fund.
Fund Risk Profile: The level of risk associated with a fund, based
on its investment strategy and underlying assets.
Fund Switch: The ability for the Investor to exchange one
Investment product for another within the portfolio of Investment
products offered by Aluma Capital (Pty) Ltd.
General Partner: The entity responsible for the management
and day-to-day operations of the En Commandite Partnership.
Growth: The increase in value of the Investment over Term.
Guardian: Both parents are guardians of a child born from the
marriage; the mother of a child born out of wedlock is the guardian,
unless the father acquires guardianship, for example, by living
in a permanent life-partnership with the mother; or the court
may appoint a guardian. Guardianship includes safeguarding
the child’s property or property interests; representing the child
in legal matters; and consenting to marriage, adoption, removal
from South Africa, or an application for a passport.
Hurdle Rate: The minimum rate of return that the Investment
must achieve before the fund manager can charge performance
fees.
Income: Earnings generated from the Investment including
interest and dividends, depending on the type of Investment.
Interest (Compounded): Interest calculated on the initial
principal and the accumulated interest from previous periods.
Investment Certificate: The document issued by Aluma Capital
(Pty) Ltd that confirms the Investor’s participation, and the Capital
invested.
Investment Horizon: The length of time an Investor plans to
hold an investment before cashing out or selling.
Investment Scenario: A hypothetical or modelled situation
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showing potential outcomes for an investment, based on
different assumptions (e.g., market conditions, performance).
Investment Term: The duration of the investment, from the time
the money is invested until it is withdrawn or redeemed.
Investor (Client): The individual or entity that provides the
Capital to be invested.
Investor Risk Profile: The assessment of the Investor’s
willingness and ability to bear risk used to determine suitable
investment options for the Investor.
Issuer: The entity that creates and offers securities (e.g., bonds,
stocks etc.) to raise capital from Investors.
Legal Capacity: A person’s legal capacity, which includes the
ability to have rights and duties, enter into contracts, be held
liable for crimes, and sue or be sued, is influenced by their age,
domicile, and mental and physical ability. Infants (0-7 years) have
no capacity. Minors (7-18 years) have limited capacity. Individuals
18 years and older generally have full capacity unless affected by
mental illness, physical disability, or substance influence.
Limited Partner: The Investor.
Limited Partnership: The En Commandite Partnership.
Marketing Costs (Distribution Costs): Expenses associated with
promoting or distributing the Investment.
Maturity: On completion of the investment term as set for the
fund or option.
Minimum Investment Amount: The smallest amount of Capital
that an Investor is required to contribute to participate in the
particular investment.
Parent: The biological father or mother of a child who has full
or limited parental rights and responsibilities over his/her child.
Payoff Profile: At end of 5-year term, client can go for another
cycle, 6 times 5, only reinvest 5 times.
Penalties: Financial charges imposed by Aluma Capital (Pty) Ltd
for Early Termination or Withdrawal.
Performance Rate: The hurdle rate of the fund
Rate of Return: The hurdle rate of the Fund.
Redemption: The process of selling or converting an investment
back into cash.
Renew: The option to renew the Investment contract at the end
of the Term.
Returns: The profits or gains received from an investment,
including capital appreciation, dividends, interest, and other
forms of earnings.
Return on Investment (ROI): The profitability or performance of
the Investment, calculated by dividing the net return by the initial
Capital invested.
Roll Over: Reinvesting proceeds from an investment into a
new investment, extending the term or rolling over into a new
Investment.
Surrender: The voluntarily termination of the Investment by the
Investor before the end of its Term.
Suspended: Halting any activity on the Investment in extraordinary
circumstances, that may impact the fair management of the fund.
Tax: Dividends Witholding Tax is applicable
Term: The agreed-upon duration of the Investment.
Termination: Cancellation of the Investment or contract before
the end of its Term.
Top Up (Addition): Contributing additional funds to the existing
Investment.
Withdrawal: Removing funds from the Investment before the
agreed-upon Term without terminating the Investment.
Aluma Capital (Pty) Ltd
Fintech Campus, Cnr Lynnwood and Botterklapper, The Willows, Pretoria, 0081
Tel: +27 (0)12 012 5291 | Email: info@aluma.co.za | Web: www.aluma.co.za | Reg.No. 2015/209991/07
Aluma Capital (Pty) Ltd is an Authorised Financial Services Provider (FSP 46449) and an alternative multi asset product manager.
ALUMA CAPITAL (PTY) LTD | FIXED RETURN INCOME PORTFOLIO | 5 Year Forecast
Document Version: 5.00
Page 3