June 2019

Fund Strategy This fund can consist of a mix of local stocks/shares and fixed income investments. Stocks

present unique opportunities where capital can grow faster than other asset classes. However,

while investments in equities can grow, they can also lose value from falling equity prices. Fixed

income instruments on the other hand offer security of capital, but while this value remains

secure, inflation over time can erode some of the gains. A mix of the two asset classes could

prove optimal in achieving substantial returns, with the fixed income component providing a

hedge against stock market volatility.

The mix of investments at any point in time can and should depend on the needs of your

group and its individual members, your group ’ s demographic, and factors in financial

markets, among other things.

The trustees for the superannuation fund, which will be appointed by your group, can make

alternative investment decisions for the group with Barita assisting in the decision making

process.

Why use Barita?

Returns generated by your fund for any given period would be dependent on the decisions

and investment strategy of your group ’ s trustees.

Additionally, the daily tasks of pension administration can over time become more time

consuming and complex, especially as your organization grows and the financial and regulatory

landscapes encounter more and more changes.

With over 20 years experience in pooled funds management, Barita has a solid reputation for

strong returns and prudent money management. We will ensure the best decisions are made

regarding your fund ’ s investment allocations, that investments are in keeping with

Government of Jamaica regulations, and that benefits are disbursed to the beneficiaries of the

plan in a timely manner.

Superannuation Funds

Fact Sheet

Trustee

Assets in the fund are held in a separate

account and monitored by Trustees. This

means that investors funds are 100%

secure and segregated from Barita.

Asset Security

Irrevocable Trusts

Fund Manager

Barita Investments Limited

15 St. Lucia Way Kingston 5 Toll Free: 1-888-429-5333 (Jamaica) Telephone: (876) 926-2681/926-6673 Fax: (876) 929-8432 Email: barita@cwjamaica.com Website: www.barita.com

Portfolio Information

Inception Date 28 July, 2011

Asset Class Fixed Income

Net Asset Value $937.6 Million

Sales Charge Does not apply

Fund Description

A superannuation is an organizational pension program created by a company for the benefit

of its employees. It is also referred to as a company pension plan. Funds deposited in

a superannuation account will grow typically without any tax implications until retirement or

withdrawal.

Superannuation is a good long-term savings plan, which will provide employees with an

income when they retire, and also provides benefits to beneficiaries on death or to the

member on disablement. For many Jamaicans, superannuation will be their main form of

retirement income.

During your employee ’ s working life, the employee makes contributions to his

superannuation fund and the earnings he receives are reinvested, building up the value over

time. Generally, superannuation benefits must remain until the member satisfies a condition of

release such as reaching age 65 and permanent retirement, or when he begins transition to

retirement, both after a set minimum age which is usually 55.

or visit www.barita.com

The performance quoted represents past performance and does not guarantee future results. Future performance may be lower or higher than the perform-ance quoted. Important information about Barita Pension products can be found on our website and is available upon request. This sheet is for informational purposes only and is subject to change without notice. Pension funds are not guaranteed or covered by the Jamaica Deposit Insurance Company. Nothing contained in this sheet is intended to act as an offer or solicitation to transact business in any jurisdiction where this would be unlawful.

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Investment Profile

Historical Performance of Group

Pension Funds Managed by Barita

2018 43.98%

2017 30.94%

2016 23.45%

2015 28.21%

2014 10.21%