Worldwide flexible fund · Mauritius
RECM Worldwide Flexible Fund
Creating wealth and preserving it require different approaches. The fund focusses squarely on the latter. It is a liquid, diversified investment strategy designed to protect your capital’s purchasing power first and grow it over time.
Built to preserve wealth. Designed to endure.
Its objective is straightforward: to generate returns above inflation in US dollar terms, while limiting volatility and building resilience to extreme market events.
How it works
The portfolio allocates 25% to each of four asset classes. Each serves a different purpose, preparing the portfolio for a range of economic conditions without depending on a forecast.
Equities
A broad, diversified basket of stocks. The growth engine of the fund.
Hard assets
Gold, platinum-group metals, crypto, and land. The foundational assets of the fund.
Bonds
Selected with respect to governments’ incentives to preserve the real value of their debt. The income-generating portion of the fund.
Cash
Selected currencies and short-term instruments. The anchor asset of the fund.
The equal allocation reflects a simple principle: preparing for different futures instead of betting on one.
What unitholders can expect
How the targeted return is built, asset class by asset class.
| Asset class | Role in the portfolio | Expected return, in real terms | Allocation |
|---|---|---|---|
| Equities | Participate in economic growth through owning productive businesses. | 4%–6% | 25% |
| Hard assets | Protect purchasing power against inflation and currency debasement through holding scarce assets. | 3% | 25% |
| Bonds | Provide income and protection in deflationary conditions. | 2% | 25% |
| Cash | Provide liquidity, a buffer during market stress and capital to deploy when opportunities emerge. | 0–0.5% | 25% |
The return the portfolio could be expected to generate, in US$ terms after inflation
Overall, the portfolio could be expected to generate 2% to 3% in real US$ terms. Since this strategy has been employed, it has returned slightly better.
What makes it durable
Diversification
Assets respond differently to inflation, growth, deflation and market stress. Combining them reduces dependence on any single investment or economic outcome.
Avoiding catastrophic losses
Leverage and excessive concentration can destroy capital and interrupt compounding. The strategy focuses on avoiding these sources of portfolio failure.
Lower volatility
A steadier investment experience makes it easier to remain invested through difficult periods, reducing the temptation to sell in fear or buy after a surge.
Liquidity
Wealth should be available when needed. The strategy uses a liquid fund structure so investors can access their capital at relatively short notice.
Patience and cost discipline
Keeping costs low and allowing investments time to compound are central to the approach.
The intended outcome
The fund aims to deliver long-term real returns of approximately 2–3% a year in US dollar terms: growth above inflation that preserves and gradually increases purchasing power.
This is a long-term objective, not a guaranteed return. The portfolio can lose value, and individual asset classes will experience difficult periods.
Success means capital that retains its usefulness, remains accessible and continues compounding through changing conditions. For investors who have worked hard to build their wealth, the fund offers a disciplined approach to protecting it.
At a glance
Who it suits
Investors who have made enough and whose priority is now to keep it: protecting a portion of their wealth in real, hard-currency terms, for peace of mind, to preserve spending power, or to pass on to the next generation. It suits a medium- to long-term horizon and those who prefer a smoother path than pure equity, accepting a lower expected return in exchange.
The fund is domiciled in Mauritius. For fund terms, fees and how to invest, speak to us directly.
Disclaimer
The RECM Worldwide Flexible Fund is domiciled in Mauritius. This page is a summary for information only and is not an offer, a solicitation or advice. The expected returns shown are illustrative, not forecasts or guarantees. Past performance is not a guide to future returns. Full details are in the fund’s minimum disclosure document.