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The global markets are facing big challenges. Three major megatrends are looming between now and 2050:

Population increase

• The world's population will rise to 10 billion by 2050 from the current 7.3 billion.
  
• This growth will take place primarily in lower or middle income countries.
  

Urbanization

• People will continue to move from the countryside to the cities.
  
• By 2030, about 9% of the world's population will live in 41 megacities, each with a population of more than 10 million.
  

Aging

• The world's population is getting older. Population growth is concentrated in emerging and developing countries.
  
• By 2030, there will be more people over 60 than under 25 in the industrialized countries.

• Investment themes: investments focused on three megatrends with up to 14 investment themes.
  
• Portfolio structure: 40-80 global stocks diversified by themes, countries and sectors.
  
• Hedging: local currency exposure is not hedged.
  

• Future: investments in companies that have solutions for the challenges of tomorrow.
  
• Team: close cooperation between the Chief Investment Office (CIO) and Asset Management.
  
• Diversification: optimization of the risk profile thanks to allocations across several themes.
  
• Simplicity: easy access to the long-term ideas of the CIO.
  
• Sustainability: the fund portfolio has a robust sustainability profile.
  

• Fluctuations in value: because the value of the fund could be subject to major fluctuations in value, a minimum investment horizon of five years is required.
  
• Performance: the active management style means that the fund's performance could differ considerably from that of the benchmark index.
  
• Derivatives: the use of derivatives could cause risks.
  
• No hedging: exchange rate fluctuations may impact the value of the fund.

These risks require risk tolerance and risk capability.

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