Money Market Funds

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Money market funds are considered extremely low-risk on the investment spectrum. They are intended to offer a stable investment option for money you may need to access in the short term and can be a sound alternative to traditional savings accounts or certificates of deposit (CDs). Money market funds generally pay a higher yield than traditional savings accounts, and it's easy to withdraw money from your MMF without the fees or penalties you might pay with a CD. These funds are designed to offer a safe, highly liquid investment option (the ability to convert to cash quickly) with relatively low return expectations compared to other investments, such as stocks or bonds.

Butterfield's Money Market Fund

Investment Strategy:

• Target high-quality short-term money market instruments
  • A range of debt securities such as Government-issued bills or "Commercial Paper" (short-term, high-quality, corporate debt with maturities of less than a year)
  • Cash or cash equivalents such as CDs

Key Benefits:

• Provide the highest possible yield (while maintaining principal value) while minimising risk (limit exposure to loss)
• Offers daily liquidity - our highest level of liquidity
• Available in three currency classes: USD, CAD and GBP

Risk/Return Profile

Low risk/Low return

Our locally managed Money Market Fund is rated AAAm by Standard & Poor's (S&P), the highest rating S&P offers. The definition of an AAAm money market fund states: "Safety is excellent. Superior capacity to maintain principal value and limit exposure to loss".

Minimum Initial Investment: 

USD 10,000.00 (or equivalent in CAD or GBP)

Fixed Income: US Dollar Bond Fund

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Objective. To maximise the total return, whether through income or capital gains by investing in medium to high-grade US dollar-denominated debt securities.

Investment Strategy

• Duration neutral with a yield-enhancing approach through sector and credit diversification.
• Invests in all fixed income sectors and the entire investment grade spectrum (AAA-BBB).

Risk/Return Profile
Moderate risk/Moderate return

Minimum Investment Required
USD 10,000

Bermuda Fund

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Objective: To provide long-term capital growth and current income by investing in a diversified portfolio of Bermuda assets. These assets may consist of:

• Equity securities of companies either incorporated in Bermuda or having a substantial presence in Bermuda
• Debt securities of those companies and the Bermuda Government
• Bank deposits, mortgages, and other financial assets, which the Manager determines as being consistent with the investment objectives of the Fund

This Fund is Bermuda dollar-denominated and has certain restrictions regarding who can invest.

Investment Strategy
The primary objective is for long-term capital growth and current income by investing in Bermuda and Bermuda-based International equities.

Risk/Return Profile
High risk/High return

Minimum Investment Required
BMD 1,000

International Balanced Fund

Objective: To achieve long-term capital growth while exposing the investor to a relatively low level of risk.

Investment Strategy

Stocks are selected primarily from a universe of global industry leaders, which management believes to have attractive valuations relative to their long-term earnings potential. The style may be categorised as a combination of growth and value. Bonds are selected from the respective investment grade with an emphasis on AAA to A-rated issuers across a range of industries. The overall interest rate exposure (or duration) of the portfolio is determined with reference to an index of one to five-year bonds.

The target asset allocation for the Fund is 60% stocks and 40% bonds. Management's strategy is to keep the Fund invested at these levels except during market extremes, when it may elect to hold a portion in cash or cash equivalents.

Risk/Return Profile:
Moderate risk/Moderate return

Potential Risk Return:
Moderate risk/Moderate return

Multi-Asset Funds

Objective

Launched in April 2010 as the Diversified Opportunities Fund with the aim of providing investors solid risk-adjusted returns over the medium to long term. The Fund invests in collective investment schemes and exchange traded funds to achieve a broad spread of asset classes on a global basis, targeting an overall level of volatility less than that of equity markets.

The Multi-Asset Fund is an actively managed, low-cost, fund of funds investment approach, which provides a high level of diversification in one convenient fund.

Main benefits

• A highly diversified, actively managed, investment strategy
• Low investment charges with no performance fees
• Low investment entry level
• Minimum for additional investment

Ideal solution for

• Individual investor
• Pension schemes
• Retirement Annuity Trust Schemes (RATS) and trusts

Select Funds

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Investment Strategy

Investing in our “Select Funds” is a simple way to achieve portfolio diversification without having to select and monitor individual securities or multiple funds over the long term. Choose the Select Fund that suits your investment objectives, and we’ll do the rest.

Select Funds

• Alternative
• Equity
• Global Fixed Income

Select Invest Funds

• Cautious
• Conservative
• Balanced
• Growth