CFS FC W Pen-CFS Index Diversified

The fund allocates 50% of investments to growth assets to provide potential for capital growth. The growth assets are managed using market capitalization indices. 50% of the portfolio is allocated to defensive assets to provide the portfolio with relatively stable returns. The fixed interest component is managed on a traditional index basis while the cash component may include money market securities, bank deposits and annuities. The portfolio aims to hedge currency risk, except for a part of the allocation to global shares.