The Fund aims to achieve a return on your investment (generated through an increase in the value of the assets held by the Fund and/or income received from those assets) over the long-term (5 or more consecutive years), whilst incorporating the environmental, social and governance (ESG) commitments described below. The Fund will invest at least 70% of its total assets in other funds to gain exposure globally to equity securities (e.g. shares), fixed income (FI) securities (such as bonds) and commodities (though exposure to commodity funds is not expected to exceed 10%). The Fund may also invest directly in equity securities, FI securities, money market instruments (i.e. debt securities with short-term maturities, “MMIs”), deposits and cash. The Fund will seek to maintain a portfolio providing exposure to approximately 50% to 80% FI securities with the balance in equity securities (save for any investments for liquidity or EPM purposes (as described below) and limited indirect exposure to commodities). The Fund’s investment manager (IM) may use derivatives (i.e. investments the prices of which are based on one or more underlying assets) to help achieve the Fund’s investment objective or for efficient portfolio management purposes (EPM) (i.e. to reduce risk or costs within the Fund’s portfolio or generate additional income). The Fund may engage in short-term secured lending of its investments to certain eligible third parties to generate additional income and off-set costs.