Important Features of the Funds

Past performance is no guide to future performance and you should not make any assumption on the future value of the funds on the basis of this information. The value of units and the income there from may fall as well as rise as a result of market and currency fluctuations and you may not get back as much as you originally invested. The Chariguard UK Equity Fund and the Chariguard Overseas Equity Fund may invest in technology stocks which may be highly volatile. These funds may also invest in smaller companies which carry a higher risk than larger companies and there is also a liquidity risk when investing in these securities (i.e. they may not be easy to buy and sell).

The general power of investment contained in the Trustee Act 2000 (which applies to most unincorporated charities) enables trustees to consider investing in overseas markets. Investing in overseas markets should only be considered in the context of obtaining diversification within a portfolio and as a means of spreading risk. Before acquiring any investment (and this includes any investment overseas or the acquisition of units in the Chariguard Overseas Equity Fund and possible the Chariguard Fixed Interest Fund) trustees should consider, normally with the benefit of advice, the suitability of the asset class involved (including the maximum level of exposure to it) and then separately the suitability of the particular investment within that asset class.

Investment in assets which are not denominated in sterling introduces currency risk into the portfolio unless this risk is hedged. The Chariguard Overseas Equity Fund and the Chariguard Fixed Interest Fund does not hedge the currency risk attributable to its non-sterling investments. Any change in exchange rates (up or down) as between the currency in which specific investments are made and sterling could affect the value of units in Chariguard Overseas Equity Fund or possibly units in Chariguard Fixed Interest Fund. Trustees must from time to time review all their investments.

Client information may be stored on and processed by computer systems so that RCM and any Associated Companies can provide the services requested by you. Such information may be passed to third party service providers used by RCM and may be transferred and processed outside of the European Economic Area. The use of personal information is covered by RCM’s registration under the Data Protection Act 1998. Under the terms of the Data Protection Act 1998, individuals have the right, upon payment of the appropriate fee, to obtain a copy of the information held and may do so by writing to RCM at 1st Floor 155 Bishopsgate, London EC2M 3AD. To assist in confirming personal identity we may make searches at credit reference agencies who will supply us with information in addition to that which they obtain from the Electoral Register etc. The agencies may record details of the searches. We may also pass information to law enforcement agencies.