South Africa represents less than one percent of the world economy. With international exposure you could benefit from being invested in some of the biggest global companies and markets. This can enhance diversification opportunities when you invest, and can provide protection against rand weakness to help you grow your wealth over the long term.

You invest to make your money grow to have enough for your needs on your journey to success. We know your journey is unique – you may want to invest for a nest egg or build your legacy, using an investment where you have maximum flexibility.

International Investment Option

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How can the International Investment Option help you?

You have maximum flexibility to customise an international investment portfolio and you get access to a wide range of underlying international options. It’s a medium- to long-term investment option.

When is it for you?

• If you have international currency to invest.

• If you want to use your foreign investment allowance or invest money that is already offshore.

• If you always want access to your money.

• If you want to invest $25 000 (or currency equivalent) or more.

Features

• You have full access to your investment without restrictions.

• You can invest with someone if you want to.

• You can have exposure to more than one currency in one portfolio.

When is it not for you?

• When you are nervous about the unpredictability of currency movements.

• When you don’t want to stay invested over the medium to long term.

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Give your investments momentum

We help you invest with confidence, and stay invested on your journey to success.

A safe journey with us starts with you and your financial adviser mapping out your destination and planning the best way to get there. You can choose from a wealth of investment options to suit each of your investment needs and goals.

With us, your investments have momentum.

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What does it cost?

• Most investments have the following fees:

- An investment management fee for the management of the options you choose.

- An administration fee to cover the cost of administering your investment.

- An adviser fee for the advice and services you get from your financial adviser.

• Once you apply for an International Investment Option, your quote will set out the fees.

• Each minimum disclosure document (fund fact sheet) sets out the investment management fee for that fund. Get the latest ones.

Who can invest? Individuals, companies, trusts and certain other institutions.

Minimum amount A lump sum of $25 000 (or currency equivalent).

Term Medium- to long-term

Which investment funds can I choose?

From the Momentum international Outcome-based Solutions, International Enhanced Core Portfolio, International Fund Shop, exchange-traded funds and personal share portfolios. See our range of international investment offerings.

Can you invest more? Yes• The minimum is $7 500 (or currency equivalent).• There may be fund minimums.

Can you make changes to your investment options?

Yes, you can choose new investment options if your needs change.

Can you withdraw?Yes, subject to fund restrictions, and there are tax consequences.

• Take at least $7 500 (or currency equivalent).• You have to leave a minimum investment.

Can you use it as security for a loan? Yes.

Can you cancel? Yes.

Can you change ownership? Yes, but it can have tax consequences.

When you dieIf there’s more than one owner, the investment transfers to the remaining owners, unless you choose your estate.

How does it work?

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Momentum Investments is a part of Momentum Metropolitan Life Limited, an authorised financial services (FSP6406) and registered credit (NCRCP173) provider.

Disclaimer Momentum Wealth International Limited may from time to time change these business practices without prior notice. Financial advisers are therefore advised to always consult the latest version of this document. This document should be read in conjunction with the relevant product brochure and terms.

While all care has been taken in the preparation of the information contained in this document, the opinions apply from the date it is made available and relate to this document only. The information and opinions are of a general nature and are not to be deemed advice. Fluctuations in the value of underlying assets of an investment portfolio or fund, the income from them and changes in interest or exchange rates mean that the value of the portfolio and any income arising from it may fall as well as rise and is not guaranteed.

Any information in this document is not intended nor does it constitute financial, tax, legal, investment, or other advice. Nothing contained in this document constitutes a solicitation, recommendation, endorsement or offer by Momentum Wealth International Limited.

This document may not be circulated or copied where it may constitute an infringement of any local laws or regulations. This document is for the sole use of the intended recipient and may not be reproduced or circulated without the prior written approval of Momentum Wealth International Limited.

Past performance is not necessarily indicative of future performance. An investor whose reference currency differs from that in which the fund is denominated may be subject to exchange rate movements, which may cause fluctuations in the value of their investments. In addition, investments involving exposure to a currency other than that in which the fund is denominated may also cause values to fluctuate.

Terms apply. Available from your financial adviser.

momentum.co.gg

Contact details

Call us (from South Africa) ShareCall number: 0860 44 44 33

Telephone: +27 (0)12 684 5008

Fax: +27 (0)12 675 3982

Email: client.services@momentum.co.gg

Momentum Wealth International Limited

Registered address: La Plaiderie House La Plaiderie St Peter Port Guernsey Channel Islands GY1 1WF

Postal address: PO Box 166 La Plaiderie House La Plaiderie St Peter Port Guernsey Channel Islands GY1 4HE Telephone: +44 (0)1481 735 480

Registered in Guernsey. Reg no 30830. Momentum Wealth International Limited is licensed by the Guernsey Financial Services Commission to conduct investment business.

The company is an authorised financial services provider in terms of the Financial Advisory and Intermediary Services Act, 37 of 2002, in South Africa.

The company is a wholly-owned subsidiary of Momentum Metropolitan Holdings Limited.

More advice and how to apply

Speak to your financial adviser who will help you to apply and choose suitable investment options. If you don’t have one, go to momentum.co.za.