The ALTUS GRATUITY FUND enables employers to make adequate provision to cater for the benefit payment an employee
receives at the end of the contract. The fund also enables the employer to manage their cash flows as funds are readily
available when gratuity liabilities become due. It is managed as a 100% money market based fund in order to ensure
capital preservation and provide the necessary liquidity to meet liabilities as they mature. Interest earned is reinvested into
the fund to ensure continued growth. As the fund is actively managed, the investment income reduces the overall cost to
The ALTUS FAMILY LEGACY FUND is a fund which aims to provide above average returns. It is wholly dedicated to offer employees of Family Legacy Missions Zambia (FLMZ) an opportunity to participate in expertly managed asset classes to suit a variety of investment and saving goals. FLMZ is a non-profit organization that helps vulnerable and orphaned children in Zambia by providing them with education, spiritual growth, and physical well- being. Employees of FLMZ who wish to join the fund are required to get in touch with Altus Capital Limited or the Human Resource Department of FLMZ.
The ALTUS LIBERTY FUND is a segregated fund managed for Liberty Life Insurance Company, a specialist life insurance company that provides group and individual/personal risk insurance solutions for life changing events. The fund aims to provide capital preservation while seeking above inflation yields.
THE MONEY MARKET FUND invests in a portfolio of short
term money market instruments such as Bank Fixed
Term Deposits, Treasury Bills and Commercial Paper
They are suitable for investors seeking capital
preservation, maximum regular income and are
looking at a short to medium term investment horizon
The risk associated with the Money Market Fund is low
Minimum holding period is three 3 months
THE BOND FUND invests in a portfolio of medium and long term Corporate and Government Bonds They are
suitable for investors seeking capital preservation,
maximum regular income and are looking at a medium
to long term investment horizon The risk associated
with the Bond Fund is low Minimum holding period is
Twenty four 24 months
The ALTUS PRIVATE WEALTH FUND is a high yield fund
investing in a portfolio of Treasury bills, Commercial
Papers and Government bonds. They are suitable for
investors with a Lumpsum amount seeking capital
preservation, maximum regular income and are
looking at a short to medium term investment horizon.
The fund aims to provide above average returns while
protecting capital value, the risk associated with this
fund is low.Minimum holding period is six (6) months.
The Equity Fund mainly concentrates on investing on
the Lusaka Stock Exchange The fund is suitable for
investors seeking a steady inflation growth in capital
and are looking at a long term investment horizon This
fund will invest in stocks, which among other things
have deeply discounted share prices to net asset value
and more importantly the potential for price recovery
The fund is also managed to take advantage of the
changing investment opportunities and identifiable
pricing discrepancies This is a high risk fund thus,
aimed at investors who are willing to take part in high
risk and potentially high return investments
PENSION FUND MANAGEMENT
Our pension services are
designed to build lasting relationships with our
clients based on trust, safety and excellent service
aim to effectively manage the investment
portfolio and generate good returns through
efficient asset allocation strategies Our key
objective is capital preservation and growth as
well as delivery of decent returns At Altus “We
believe that solid consistent returns achieved at
low to moderate risk produce the best long
CO-MANAGED PENSION FUNDS
Altus also jointly manages pension funds
with other investment managers. A comanaged
pension fund is a fund
managed by two or more fund managers.
This has become a common practice in
most pension schemes across the globe.
Typically, these funds have more than one
manager but one administrator of the
fund. The advantage of having a comanaged
pension fund is exposure to a
wider skill set of fund managers and
diversification across different styles and
MORE ABOUT PENSION FUNDS
A pension plan is described as a retirement strategy in which both employers and employees make financial contributions to a pot of money set aside for pension payments in the future
Instead of money being idle in savings accounts, the employees' funds are invested. When an employee retires, the investment returns serve as retirement income.
Interest earned is reinvested into the fund to ensure
continued growth. As the fund is actively managed, the investment income reduces
the overall cost to the employer
Where Do Pension Funds Invest?
A pension fund's primary investment strategy is diversification and precaution. Pension funds allocate resources to various financial instruments in an effort to diversify their portfolios (stocks, bonds, derivatives, alternative investments, etc.)..
product and service offering includes the following wealth and investment
management services to help in creating, managing and growing wealth
OUR VALUE PROPOSITION
The cornerstone of our value proposition is founded on our investment strategy which
seeks to protect and enhance our clients’ wealth over time in a conservative and
Our objective is to achieve these results without taking excessive risk.
Altus Wealth management offering is a high-level professional service that combines
financial and investment advice, retirement planning, insurance planning, educational
planning and legal or estate planning.
Altus strives to ascertain the most economically attractive and flexible financing
structures consistent with current market conditions and management objectives.