1. If I do decide to invest with you, where does my money go / who holds the investment in safe custody?

You would open an account in your own name (or your company’s name, or Trust’s name) with a stockbroker of your choice. We prefer DMA/ Saxo Bank or Interactive Brokers; however you can use others if you prefer. Once your account is opened with your stockbroker, you would then deposit money with them. We do not hold your money. This is commonly known as a “Managed Account”

2. What is the minimum initial investment?

US$ 100,000

3. Are you able to withdraw money from my stockbroking account?

Absolutely not. You would sign a limited power of attorney document that would allow us to trade on your stockbroking account, and nothing else. We cannot withdraw funds from your account.

4. Can I withdraw money from my account at any time?

You, however, can withdraw some or all your funds at any time, with no penalty. There is no lock up period and no penalty for withdrawing your money early. You would simply send an instruction to your stockbroker to pay money into your bank account. We do however recommend leaving your investment in for as long as possible to get the full effect of compound returns over many years.

5. Can I view my investment online at any time?

Yes. You would simply login to your account with your stockbroker to view the value of your investment at any time.

6. Are you regulated and authorized by any financial regulator to manage other people’s investments?

Yes. Our lead Portfolio Manager Warren Saevitzon is a representative of Afrifocus Securities (see www.afrifocus.co.za), a South African Stockbroking company, Member of the Johannesburg Stock Exchange, and an FSP (Financial Services Provider). Afrifocus Securities has a “category 2” license which allows Afrifocus Securities and their representatives to manage other people’s investments. Afrifocus Securities and their representatives are regulated by the Financial Services Conduct Authority (see www.fsca.co.za). Click “Regulated Entities” tab. Then click “List of regulated entities and persons”. Then click “FAIS”. Then click “Financial Services Provider”. Then type “Afrifocus” in the “Search for FSP name” section. Then click “details”. Then click “Representatives”. Then type “Saevitzon” and click “Search”. Then click “Products”

7. What is your track record like, what has been the investment return for your other clients?

As of 29 August 2025, the return has been 43% since inception (14 October 2024). Importantly, there were positive returns in April when the stock market took severe downturn which illustrates that this investment is uncorrelated to the market and does not rely on a bull market only, positive returns are expected even if the stock market falls or goes sideways.

8. Have you made any losses for your clients since inception?

Yes, of course. This is not a risk-free strategy. Past returns are no guarantee of future results. Losses can and do happen. Since inception, there have been 4 occasions when losses were incurred, the largest drawdown has been 2% of the value of the account.

9. Can you prove your investment returns?

Yes. This can be done in on a live Microsoft Teams call, or alternatively we can email you a client’s portfolio (obviously we would block out his name for confidentiality / privacy purposes)

10. How do you make your money?

We charge our clients once per month. There are two fees. The first fee is a management fee which is calculated at 1% of the value of your investment, divided by 12 each month (i.e. 1% per annum). The second fee is a performance fee which is calculated at 10% of the profit for the month, only if there is a profit, and on a high watermark basis. As an example, let’s say you invest $100,000. At the end of month 1, the profit on your account has been $1000. We would then charge you $100 performance fee. We would only charge you at the end of month 2 if your account has grown above $101,000.

11. I am interested, what is the next step?

Input your contact details or email warren@all-weather-investments.com for an initial online Microsoft Teams meeting should you wish to meet. Thereafter, account opening documents can be emailed to you. Once your account at the stockbroker you select is opened, you would then deposit funds and also grant us limited power of attorney to trade on your account. We would then start trading on your account