We recognise that for most members, making investment decisions can be a daunting task, especially when those choices bear a significant impact on their retirement outcomes. At The HGPF, we've taken proactive measures to ensure that their financial journey is met with confidence and reassurance. The Board, alongside seasoned investment experts, has diligently formulated an investment strategy that aligns with the aspirations of our valued retirement members.

HGPF does not offer investment choice to members. Instead, investment decisions and placing is managed through the advice of an investment consultant who is employed by the Fund. Due regard in all this is given to the Investment Policy Statement, the Rules of the Fund, and the PFA.

Investment Strategy

The Fund will make use of a strategic asset allocation to achieve its investment objective. The degree of deviation from the strategic asset allocation will be limited to upper and lower bounds for each asset class.  

Guided by Expertise and Vision

Working hand in hand with a dedicated team of experienced investment consultants, the Board has meticulously designed an investment strategy that considers the collective interests of our diverse membership. This collaborative approach ensures that their investments are nurtured with the utmost care and foresight.

A Watchful Eye on Performance

Our commitment doesn't stop at the creation of an investment strategy – it's a journey of ongoing dedication. The Board of Management stands vigilant in regularly assessing the performance of the Fund's assets in relation to the goals we've set forth. This ensures that their financial future is poised for growth.

The Promise of Their Retirement Income

At the heart of our investment strategy lies a profound commitment: to craft a path that leads to a fulfilling retirement.

Investment Consultants: 

The investment experts who assist the board when it comes to the Fund’s investments are (IAC) Independent Actuaries & Consultants.

Asset Managers 

Asset managers, invest the Fund’s money on behalf of the Board of Trustees. These asset managers have to report back to the investment consultants and the board of the Hospitality and General Provident Fund continuously to ensure they meet the Fund’s investment targets. 

The Fund's asset managers are:

• Argon
• Vunani
• Mergence
• Mianzo
• Sampada 1 & 2
• ATA Capital
• Summit
• ACPI
• Aluwani