Investment Disclosure

How plans are presented

Every plan states its category, risk level, duration, minimum allocation, any maximum or capacity limit, and its target return. Plans are versioned: if terms change, a new version is published and existing allocations remain governed by the version in force when they were made.

How your position is recorded

When you allocate funds, a debit is recorded against your available balance and a corresponding investment position is created. Returns, fees and maturities are recorded as separate ledger entries, each with its own reference in the format CV-2026-XXXXXXXX.

Fees

Any fee that applies to a plan is disclosed on the plan page before you confirm. Fees are recorded as separate ledger entries so you can always see their effect on performance.

Valuation and reporting

Portfolio figures are derived from recorded entries rather than estimates. Where a plan reports returns periodically, your position updates when that entry is recorded, not continuously.

Before you invest, check

• That the duration matches how long you can leave the money invested.
• The risk level, and the specific risks named in the plan's disclosure.
• The minimum and maximum allocation.
• Whether early withdrawal is possible, and on what terms.