ALTUS UNIT TRUST
Altus Unit Trust Funds offer investors an opportunity to participate in expertly managed funds to suit a variety of investment and savings goals.
Staff Savings
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 employer..
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.
Income Funds
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.
Equity Funds
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 delivery We 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 term results’’
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 assets.
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.)..
WEALTH MANAGEMENT
Altus 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 prudent manner.
Our objective is to achieve these results without taking excessive risk.
- Define your financial objectives.
- Create your investment strategy .
- Construct your portfolio .
- Implement and manage your portfolio
- Evaluate and review
WEALTH MANAGEMENT
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.
INVESTMENT ADVISORY
Altus strives to ascertain the most economically attractive and flexible financing structures consistent with current market conditions and management objectives.