The fund's objective is to generate long-term, inflation-beating returns over a 36-month period. The fund will invest across a wide range of domestic and international asset classes which include equities, bonds, property shares and money market instruments. The fund can have a maximum equity exposure of 75% and is limited to a maximum offshore exposure of 30%. The portfolio will be actively managed with exposure to various asset classes varied to reflect changing economic and market circumstances and maximise returns for investors. General market risks include a change in economic conditions, interest rate risk, share price volatility and a decline in property values. Where there is exposure to foreign investments, there may be additional risks, such as possible constraints on liquidity and the return of funds to South Africa, macroeconomic risks, political risks, tax risks, settlement risks and possible limitations on the availability of market information.