Introducing the OUTvest ONEfee. www.outvest.co.za
Presenters #OUTvestONEfee Jan Hofmeyr - Group Chief Financial Officer – OUTsurance Grant Locke – Head of OUTvest
Agenda 1. About us #OUTvestONEfee 2. It’s impossible to understand what your investment costs, and it matters 3. Introducing the ONEfee from OUTvest 4. Appendix
We are proudly backed and owned by the OUTsurance group, one of the largest direct insurers in SA, writing over R16bn in premiums in 2019 and have #OUTvestONEfee over 4000 staff. OUTsurance invented the OUTbonus, and offers Limited. OUTsurance Holdings Limited is a short term insurance, Life Insurance and Funeral – member of, and 87% owned by Rand Merchant with more on the way! Investments Holdings Limited. Rand Merchant Investment Holdings is listed on the Johannesburg OUTsurance, through OUT Holdings owns YOUI in Stock Exchange and owns a portfolio of high Australia and a stake in Hastings – a UK based quality insurance investments. direct to consumer insurer. OUTsurance is owned by OUTsurance Holdings
About OUTvest OUTvest is a fully licensed investment administration platform that has launched a high quality goals based investment service for everyone, with over 25 000 registered users. #OUTvestONEfee We sell OUTcomes for everyone… We are an authorisedFSP (47234), CAT I (Automated Advice), CAT III Administrative FSP, Section 13b Administrator (administration for pension funds). We are the sponsors and administrators of the OUTvestRetirement Annuity, OUTvestPension Preservation and Provident Preservation Funds.
Introducing the OUTvest ONEfee. Don’t pay more, just because you invest more. www.outvest.co.za
It is currently impossible to understand the value and the price of your investment. #OUTvestONEfee Firstly, it’s because investment fees are calculated as a percentage of your investment, and secondly, the way fees are administered means that your total fee is invisible to you.
It’s because it isn’t in Rands and Cents and it isn’t taken in one place! Investment Fund #OUTvestONEfee Management company Advisor Administrator Total Expense Ratio 1.6% Ongoing advice 1.0% Admin fee 0.5% Transaction Costs 0.2% Fees shown on statement: 1.5% Total annual cost of investing = 3.3%
The revolution from OUTvest. #OUTvestONEfee
The New with the Old… #OUTvestONEfee
Are you really the cheapest? R 200 R 180 R 160 R 140 Est. Annual Fee (in thousands) R 120 #OUTvestONEfee R 100 R 80 R 60 R 40 R 20 - R 10 000 R 50 000 R 100 000 R 200 000 R 300 000 R 500 000 R 700 000 R 1000 000 R 1500 000 R 2000 000 R 2500 000 R 3000 000 R 3500 000 R 4000 000 Investment value Provider 1 Provider 2 Provider 3 Provider 4 Provider 5 Provider 6 OUTvest ONEfee Source: OUTvest
OK, but I don’t really invest that much, what does this mean for me? #OUTvestONEfee
OK, but are you delivering on client promises? Performance since launch GranateSCI CoreShares CoreShares CoreShares OUTCautious CoreSharesOUTaggressive #OUTvestONEfee Money Market OUTstable OUTmoderate Index Fund Index Fund Fund Index Fund Index Fund 53% 39% 71% 80% 93% ASISA SA IB ASISA SA MA ASISA SA MA ASISA SA MA ASISA SA Money Market LowEquity Medium Equity High Equity Equity General Source: Morningstar, bid to bid, net income reinvested.
Investing using a risk gearbox to deliver OUTcomes Based Returns. OUTcautious Index OUTstable Index OUTaggressive Index OUTmoderate Index Money Market #OUTvestONEfee Local Equity Global Equity Local Property Global Property Bonds Money Market Cash
An investment gearbox approach Cumulative return 2.2 2 1.8 #OUTvestONEfee 1.6 1.4 1.2 1 Oct Dec Feb Apr Jun Aug Oct Dec Feb Apr Jun Aug Oct Dec Feb Apr Jun Aug Oct Dec Feb Apr Jun Aug Oct Dec Feb Apr Jun Aug Oct Dec Feb Apr Jun Aug Oct Dec Feb Apr Jun 12 12 13 13 13 13 13 13 14 14 14 14 14 14 15 15 15 15 15 15 16 16 16 16 16 16 17 17 17 17 17 17 18 18 18 18 18 18 19 19 19 OUTCautious Index OUTstable Index OUTmoderate Index OUTaggrgessive Index Source: Historical backtests based on data obtained from S&P Dow Jones Indices, modelling performed by OUTvest, gross of fees. CoreShares OUT funds launched 20 th March 2017.
A gearbox that delivers Rolling risk 12.0% 10.0% 8.0% #OUTvestONEfee 6.0% 4.0% 2.0% 0.0% Jan 16 Apr 16 Aug 16 Jan 17 Apr 17 Aug 17 Jan 18 Apr 18 Aug 18 Jan 19 Apr 19 Oct 15 Nov 15 Dec 15 Feb 16 Mar 16 May 16 Jun 16 Jul 16 Sep 16 Oct 16 Nov 16 Dec 16 Feb 17 Mar 17 May 17 Jun 17 Jul 17 Sep 17 Oct 17 Nov 17 Dec 17 Feb 18 Mar 18 May 18 Jun 18 Jul 18 Sep 18 Oct 18 Nov 18 Dec 18 Feb 19 Mar 19 May 19 Jun 19 OUTcautious Index OUTstable Index OUTmoderate Index OUTaggressive Index Since inception tracking error of the fund against these benchmarks of less than 0.15%* Source: CoreShares. Tracking error calculated as the performance difference between the fund and benchmark from 20 March 2017 – 30 September 2019
Real performance Cumulative return 125 120 #OUTvestONEfee 115 110 105 100 Mar Apr May Jun Jul 17 Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul 18 Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul 19 Aug Sep Oct Nov Dec 17 17 17 17 17 17 17 17 17 18 18 18 18 18 18 18 18 18 18 18 19 19 19 19 19 19 19 19 19 19 19 CoreShares OUTCautious CoreShares OUTStable CoreShares OUTModerate CoreShares OUTAggressive Source: Morningstar, bid to bid, net income reinvested.
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