If you do not benefit from our long-term investment performance, we believe we will have failed in our mission to create long-term wealth for our investors. We are committed to helping our investors achieve the same performance as our funds. Below are some of the specific ways that we can do this:

1. Continue to educate and inform our investors about our approach

   Our investment approach is long-term in nature. If you believe in this approach and want to benefit from it, it is important that you understand it, buy into it and remain disciplined in spite of short-term fluctuations. We will continue to emphasise the importance of taking a long-term view to investing.

2. We will not market or 'sell' funds based on short-term performance

   The danger of chasing past performance is well documented. It leads to investors undermining their own investment returns through frequent switching and taking a very short-term view. Aggressive fund-specific performance advertising hypes the fear among investors of 'missing out', causes investors to switch funds more frequently and undermines the returns they get from their investment.

3. Publish an investor return for your accounts

   We plan to publish your investor return per account (also known as an 'internal rate of return') on the secure area of our website. It will enable you to analyse the actual return you are getting from your investment accounts over various periods. This can be quite different from the fund return of your chosen funds, but you are able to influence this by your investment behaviour.

4. Continue to offer a simple and manageable range of funds

   We realise that investing is complicated enough. We have tried to simplify this for you by maintaining a small range of funds that we aim to make as easy to understand as possible. This range includes enough choice to meet investor needs without unnecessary complexity. We will not launch funds for the sake of doing so — and therefore hope to lessen the confusion that investors may experience in the face of 'marketing hype' about new and 'better' funds.

There may be times when it is appropriate for you to disinvest or switch funds, but this depends on your personal circumstances and portfolio. Some investors are sufficiently knowledgeable, confident and disciplined to make these kinds of decisions on their own. However, if you require guidance in considering your investment plan holistically, an independent adviser may be able to help you to meet your objectives and grow your wealth. They provide expertise and are able to reassure you during times of market volatility, helping you maintain the level of investment discipline you need to meet your goals.