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THE ROAD

TO FINANCIAL SECURITY

PLANFOR THE UNEXPECTED

PREPARINGFOR THE UNEXPECTED

INVESTMENT RISK

SAVINGFOR COLLEGEAND/OR UNIVERSITY FEES

WEDDING BELLS

YOU’RE EXPECTINGA NEW ARRIVAL IN THE FAMILY

YOU’RE EXPECTINGAN INHERITANCE

BECOMINGA GRANDPARENT

VISUALISEYOUR GOALS

WHY USE A‘DISCRETIONARY FUND MANAGER’ DFM

GETTING READY FOR RETIREMENT

HAVEA PLAN

BE PROACTIVEABOUT MANAGINGYOUR RETIREMENTINVESTMENTS

STICKTO YOUR PLAN

WHY CHOOSEAPOLLO MULTI ASSET MANAGEMENTAS THE DFM?

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PLANFOR THE UNEXPECTED

The expected things are in life are events that are mostly on an individual’s wish list, the list below is not extensive but will have some reference to most people’s life ambitions whether it be to take the financial burden fully or assist partially:

• Children being born• Children’s private education• Children’s first home• Children go to College and/or University• Children getting married• Grandchildren being born• Grandchildren go to College and/or University• Round the world trip• Retirement

Events like these amongst others, they hold in our mind as goals or landmarks can have a significant financial impact on you and your family so it makes sense that if you want these events to happen that you should prepare for them.

PG 2Gravitas Wealth Account

Married couples have a reputation for fighting mainly

about one of two things. For newlyweds, it’s likely to be

money. With a financial planner, you get an objective

professional to help you think through budgeting, setting

financial goals and determining who will pay for what.

He or she can also help you study employee benefits and

make sure you’re not duplicating your efforts. Whatever

your goals are, talking through them with a professional

and getting a plan down on paper will help you and your

partner work together to reach them.

As a parent, you want the best for your children. And that includes

giving them the best education you can. Many people prefer to

send their children to private schools so they can achieve their

potential. However, the costs involved can come as a bit of shock

and you might wonder whether you can afford it.

Sitting down with one of our fully-qualified and experienced

financial advisors will help show you the options available.

From setting aside a lump sum to grow as your child does or

putting money away every month, the advice we give you will help

secure your child’s academic future. Planning for university fees

early can give you back financial freedom and give your offspring

an excellent start in life.

By starting the process now, you will accumulate the necessary

funds needed by the time your child is ready to begin university

life. And if education costs grow, having monies available to call

on will lessen the burden.

WEDDING BELLS

SAVINGFOR COLLEGEAND/OR UNIVERSITY FEES


When the baby arrives, life inevitably gets more

complicated. It could be worth it to fit in some

financial planning alongside baby naming or stroller

shopping. You might want to open an investment

account specifically for them, to start paying for

college, as well as take out additional life insurance

policies.

Baby boomers stand to inherit significant wealth in the

coming years, and receiving lump sums also carries

with it financial responsibility. It can raise questions

about spending habits, charitable contributions, tax

payments and a slew of other concerns. You might

want to get help from a professional as you figure

out how to handle the money.

It’s been said that having grandchildren can be even

more rewarding than being a parent, because this

time you’re more relaxed. We understand what an

exciting event it can be, and we know grandparents

wish to play an important role in their grandchildren’s

lives.

YOU’RE EXPECTINGA NEW ARRIVAL IN THE FAMILY

YOU’RE EXPECTINGAN INHERITANCE

BECOMINGA GRANDPARENT


RETIREMENT FINANCE PREPARATION AND STRENGTH TEST

Know your retirement needs Retirement is expensive. Experts estimate that you will need at least 70 percent of your preretirement income – lower earners, 90 percent or more – to maintain your standard of living when you stop working. Take charge of your financial future. The key to a secure retirement is to plan ahead

Use our retirement calculator to assist you in identifying what your retirement needs are in comparison to your anticipated retirement funds available to you.

DECIDE WHEN YOU WANT TO RETIRE

There’s a growing trend among older Americans to extend their work life, preferring to phase out of full-time work past the traditional retirement age of 65. The decision to work longer often depends on financial resources, but many older individuals also are choosing to work longer because of personal preferences. Regardless of your age, the factors that most impact your retirement timeline are:

HEALTH STATUS

Do you expect to live a long life? Your current health, family medical history, and lifestyle habits are good indicators of longevity. Financial stability. Will you have enough savings and income

FINANCIAL STABILITY

Will you have enough savings and income sources to support your retirement plans? By factoring accumulated savings and future income sources, you’ll have a good idea of how much income you’ll have at the start of retirement and how much you can count on for the rest of your life.

LIFESTYLE PLANS

How do you envision your retirement years? Are you planning to reduce, maintain, or expand your current lifestyle? Choices such as travel, hobbies, and entrepreneurial plans will greatly impact the amount of money you’ll need.

GETTING READY FOR RETIREMENT


BENEFITS ELIGIBILITY

What benefits does your employer offer, and how long can you access these benefits after you retire?

DETERMINE HOW MUCH INCOME YOU WILL NEED

A good financial goal for retirement is to replace 100% of your pre-retirement income for each year in retirement. So if you plan to retire at age 70, it’s smart to create a retirement plan with enough savings and income sources to match your income level at age 69. Use our retirement calculator to assist you in identifying what your retirement needs are in comparison to your anticipated retirement funds available to you.

HOW MUCH WILL YOU NEED?

Consider the Following Factors:

• Taxes and inflation• Likelihood of living a long life• Types of income you will have in retirement• Basic expenses• Potential healthcare costs including dental, vision care, and

long-term care costs• Percentage of pre-retirement income you’ll need• A reduced or enhanced retirement lifestyle

ESSENTIALS OF A RETIREMENT PLAN

It’s never too early to create a retirement plan. Remember, the longer your timeline, the more time your retirement fund has the potential to grow. If you’re older and just beginning to plan, you can learn the number of ways you can accelerate your savings, invest wisely, find new sources of income, and seek to be prepared for a comfortable retirement. An experienced and qualified financial advisor can provide the necessary guidance. Your retirement plan may include a variety of products, timetables, and tools to monitor growth and achieve your goals.

At a minimum, the following should be a part of your complete plan:

• Timetable for accumulation of retirement funds.• Timetable for changes in employment status.• Options to create an income stream to last throughout

retirement.• Diverse portfolio and an appropriate asset allocation to meet

goals and monitor risk.• Health insurance plan.• Insurance products to protect your assets and financial

security for yourself and your family.• Automatic savings and investing to make it easy and help you

maintain discipline.• Proper and organized recordkeeping.


REGULAR SAVINGS ACCOUNT

All of these major life events can have a dramatic effect on a family’s financial plan. These disruptions can cause a loss of income and likely lead to additional unplanned spending. This double shock will not only bring the ability to save to a standstill, it will also lead to the premature withdrawal of savings that had been set aside for future goals, such as retirement.

When a financial plan does not take into account these potential derailments, the funds used to deal with these events when they arise are often the funds that had been set aside for future goals such as retirement. While the financial impact caused by derailments can be very hard, there are ways that families can plan for and insulate themselves from the worst of the financial impact.

Taking a practical and proactive approach to these potential risks allows families to implement changes to their financial plan that can help put them in a more secure financial position and provide some peace of mind.

Most individuals will be able to have the retirement they envision if they work through to their retirement day and follow their financial plan. But consider the impact that a devastating disability or illness could have on that financial plan.

PREPARING FOR THE UNEXPECTED


WHAT IF AN INDIVIDUAL WAS FORCED TO RETIRE AT AGE 55 INSTEAD OF AT THE PLANNED AGE OF 65?

Loss of income, drawing down on savings and medical costs over and above what is covered by the family’s group plan or by government funded health programs can quickly add up and become a financial burden on a spouse or family. The impact can be even more devastating if you are single and have no one else to rely on for financial support.

The financial impact of disability or major illness. Consider a couple whose financial plan gets derailed 10 years early, at the age of 55. The dual impact on their financial plan of less income coming in and potentially more spending can turn a financial plan from one that had been accumulating savings to last until at least age 90 to one where all of the family’s savings will be exhausted by the age of 77.

VISUALISEYOUR GOALS


There are many other events that could have a significant financial impact on the family. An unexpected career change as a result of a downsizing or employer bankruptcy can cause financial distress similar to that resulting from the life events discussed above. Or, on the positive side, a family might be the recipient of a sizeable inheritance. We believe proactive planning and professional advice go hand in hand.


A plan starts with a goal. What do you want to do with your money? Do you want to have a very secure retirement? Do you want to build a house in ten years? Do you want your children to be able to go to university in fifteen years? A goal helps to establish a timeline and also helps to establish how much risk you should take on.

From a goal comes a plan – risk, diversification, updating your investments regularly, and so on.

You can’t react emotionally to what the stock market is doing. Markets are going to go up and down. That’s just what they do. When you invest in stocks, part of that investment means enjoying the years when the market is up 15 or 20%, but holding on for dear life during years like 2008 where the market is down 40%. If you jump off when things are flying downwards, all you’re doing is locking in your losses, because when you move to something more conservative, you’re giving up the “bounce” that stocks get when they hit bottom and rebound.

If you’re not investing for your retirement yet, start now.

Start immediatelyYou need to be on the ball with your retirement, and the earlier you start, the less you’ll have to save (yes, seriously – if you start now, you won’t have to save as much as you would if you started in a few years).

HAVEA PLAN

STICKTO YOUR PLAN

BE PROACTIVEABOUT MANAGINGYOUR RETIREMENTINVESTMENTS


WHY CHOOSE THEGRAVITAS WEALTH ACCOUNT?


WHAT IS RISK?

When it comes to investing, the unfortunate reality is that it is impossible to generate a return without taking some level of risk. Even keeping your money in the bank involves a level of risk as there is a risk that the bank may fail. Consequently, when trying to generate returns over and above that available from the bank, the only possible method is to take more risk. What comes hand-in-hand with taking more risk is that the potential for suffering loss increases.

WHAT IS RISK PROFILINGAND WHY IS IT IMPORTANT?

In short, risk profiling is a method of determining the level of risk an investor is comfortable taking and is an indication of the extent to which the investor is prepared to accept a short-term fall in the value of their investments as markets go through their normal ups and downs. These fluctuations in the value of investments are known as volatility.

INVESTMENT RISK


• Your portfolio will be managed by experienced and highly qualified investment professionals.

• Investors will benefit from constant monitoring of investment markets and performance, coupled with active and timely portfolio management decisions

• Portfolios are managed and monitored within risk parameters agreed by the investor and their financial advisor.

• Access to institutionally priced investment products• Access to global investment opportunities.• Diversification across the different asset classes

WHY USE A‘DISCRETIONARY FUND MANAGER’ DFM


Apollo Multi Asset Management LLP (“Apollo”) was founded in July 2008 with the primary aim of preserving and growing the wealth of investors. It has developed a range of actively managed, multi asset funds and discretionary managed portfolios. All strategies follow a multi manager approach, utilising an unconstrained investment style incorporating active asset allocation.

Apollo Multi Asset Management LLP is a limited liability partnership registered in England and Wales and authorised and regulated by the Financial Conduct Authority.

Apollo has four executive partners, all of whom are directly involved in the day to day business of the firm. The partners of Apollo have an average of twenty-five years’ experience in the investment industry and importantly, along with the entire fund management team, all share the same passionate belief in the benefits of true multi asset management.

INVESTMENT PHILOSOPHY

• Apollo fundamentally believes that investment markets are inefficient, and that value can be added through asset allocating across multiple asset classes and carefully selecting fund managers who we consider to have the ability to outperform markets over time. We feel that true multi asset management should involve a wide range of investment tools that can be used as and when the appropriate market opportunities arise. Our expertise comes from the ability to understand the relationship between multiple different asset classes and combine them together to effectively build a diversified portfolio that suitably balances risk and the potential for return.

Our philosophy is based on the theory that blending a number of asset classes in one portfolio provides investors with three distinct benefits:• A highly-diversified investment that reduces risk to capital.• A smoother investment return.• Providing actively managed exposure and the ability to benefit from both mainstream and specialist investment opportunities. • Every asset class has its attractions, how each asset class performs in investment terms is influenced to a greater or lesser degree by

prevailing economic and market conditions, along with other circumstances and events. • While some asset classes move up or down closely together, others remain unmoved or do exactly the opposite. • We believe that the investment universe can be split into eight distinct groups and this gives the fund management team multiple levers to

pull depending on where the economy is in the cycle. It is the combination of these asset classes that give rise to highly diverse portfolios, although, given the flexible approach, there is no compulsion to have exposure to all of these asset classes at any one time.

• This means that the fund management team will consider the risk and reward of each potential investment idea. This will determine whether it is simply beta that is required, in which case, a passive strategy will be suitable or whether there is an active strategy available that has the potential to deliver outperformance of the market. In addition, if there a desire to limit the risk to capital an absolute return strategy may be suitable, or perhaps in certain circumstances a bespoke structured strategy to give a very specific risk and return outcome.

• The implementation of this investment philosophy through a repeatable investment process is at the heart of how Apollo successfully builds and manages its investment strategies.

WHY CHOOSEAPOLLO MULTI ASSET MANAGEMENTAS THE DFM?


THE APPOLO MULTI ASSET FUNDS

Apollo Multi Asset Management LLP is an independently owned, specialist multi asset investment boutique, focusing solely on multi asset portfolio management. It has a dedicated fund management team who is responsible for the management of all Apollo’s funds and portfolios. Key function such as custody and administration are outsourced to some of the largest and most successful businesses in their field who Apollo feels will provide the best possible level of service to its investors.

These firms enable Apollo to offer a robust and well-resourced operating platform (which is highly scalable) to accommodate the future growth of our business in a cost-effective way. This structure also allows Apollo to concentrate on what it does best - the skill fun blending of a global range of assets.

Apollo first two funds, the FP Apollo Multi Asset Cautious and FB Multi Asset Balanced Funds were launched in November 2008. The FP Multi Asset Adventurous Fund was subsequently launched in June 2011

THE KEY BENEFITS OF USING THE MULTI ASSET FUNDS

Diversification

We believe that the structure of the Multi Asset Funds range allows for much greater diversification than traditional DFM solutions. Each Apollo Multi Asset fund held within your client’s portfolio has exposure to many underlying individual holdings, investing across different asset classes such as equities, fixed interest, property, currency and cash. In turn these underlying holdings within the Apollo Funds are themselves collective investments, giving a further level of diversification across multiple investment themes and strategies.

Active, Daily Management

Within these increasingly complex financial markets, we strongly believe that it has never been more important for investors to have the flexibility to react quickly to events and make changes to portfolios. We do not therefore feel that your client’s portfolio should be limited to trading only at set points, such as monthly or quarterly. As the majority of a Multi Asset portfolio is invested within the blend of Apollo Multi Asset funds, your client benefits from daily monitoring and active management of their portfolio.

Access to Best of Breed Managers Possibly not otherwise available

At Apollo we strive to find the best investment managers for a particular asset class, region or theme. As many of these managers limit the amount of assets they typically want to manage, some of what we consider the best funds are not always made widely available. As a result, holding these funds within the Apollo funds allows your clients to access best of breed managers or funds that are closed to new investors. Potential for much lower dealing costs

Your clients will benefit from fee-free changes being made to their portfolio within the Apollo funds. This therefore avoids the additional cost of dealing individually held funds within the bond. With the majority of the client’s portfolios held within the Apollo Multi Asset funds we can make changes without additional transaction costs.

Ability to react quickly, taking advantage of short term opportunities or protecting assets against dramatic falls

The Apollo funds are very nimble, managed on a daily basis and we can therefore make changes instantly without being constrained by the typical set dealing points associated with traditional DFM portfolios.

Apollo’s role in the Gravitas Wealth Account is limited solely to the management of the FP Apollo Multi Assets Funds

Please remember that the value of your investment may fall as well as rise and is not guaranteed. You may not get back your initial investment. Past performance is not an indicator of future performance. Investment advice should be obtained from an authorised financial adviser. Issued by Apollo Multi Asset Management LLP which is a limited liability partnership registered in England and Wales under registered number OC339180 and is authorised and regulated by the Financial Conduct Authority.

Registered office: Chart House, 2 Effingham Road, Reigate, Surrey, RH2 7JN. A list of members is open to inspection at the registered office.

Gravitas Finance LLC

T : +230 483 3051 E : [email protected]

2de Nautica Commercial Centre, Royal Road, Black River, Mauritius

www.gravitasfinancellc.com

Gravitas Finance LLC is an Investment Adviser (Unrestricted) in the Republic of Mauritius under Registered Number 126744and is authorised and regulated by the Mauritius Financial Services Commission (Licence No. C114013418).

Apollo Multi Asset Management LLP which is registered in England and Wales under registered number OC339180and is authorised and regulated by the Financial Conduct Authority.

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