Whitten Capital Group - Whitten Asset Management Limited

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What Are Offshore Funds?
Literally, offshore means off or away from the shore. In the case of mutual funds, offshore translates as organized, administered or domiciled outside the United States in a tax-friendly jurisdiction; these locations may be landlocked or island locales. There are many areas of the world that are considered primary offshore centers including Luxembourg, Dublin and Bermuda. These low tax-haven locations are especially investor-friendly and are internationally regarded as the predominant, and most secure, financial sectors in the world.

Offshore mutual funds are registered outside the United States under the laws of foreign countries. These funds are not subjected to. U.S. Securities & Exchange Commission regulations. Why do individuals and corporations invest in offshore funds? Overall, investors seek greater freedom than is possible onshore. Offshore offers eligible investors significant tax benefits not available with U.S. - registered funds. Offshore funds cannot be sold or distributed within the United States to any United States citizen.

Eligibility Requirements
Most nonresident aliens (NRAs) are eligible investors. These are individuals who are both non-U.S. citizens and non-U.S. residents and who are generally present in the United States fewer than 180 days a year.

Tax / Privacy Advantages
Because offshore funds are not registered in the United States or with the Securities & Exchange Commission, they offer privacy benefits and a variety of tax advantages. They are not subject to U.S. income or withholding taxes on distributions received from the fund or to U.S. estate taxes on fund shares. Offshore funds are exempt from withholding taxes because the funds are located outside the U.S. and, therefore, are not required to submit W-8 forms for interest and dividend income earned by the securities. It is the responsibility of the investor to report any potential tax implications from their investments to the appropriate governing body.

The Advantages of Mutual Fund Investing
Mutual funds, which pool the money of many investors pursuing a common investment objective, can provide an affordable solution to pursuing a broad range of investment goals. Professional investment management, diversification and convenience are the key reasons to invest in mutual funds.

Investment Expertise
Mutual funds are managed by experienced investment professionals with the sound judgement and knowledge required to participate effectively in today's financial markets. These professionals constantly monitor the activity of these markets and adapt to them to effectively pursue their fund's objectives.

Diversification
Mutual funds invest in a wide range of stocks, bonds, or a combination of the two. This helps diversify your portfolio and in turn, reduces the risk associated with any one stock that may cause a decline in the portfolio's value.

Mutual funds invest in many different securities; they can provide a greater degree of protection against loss of principal than an investment in one specific issue. Within a well-diversified portfolio, the overall value of the portfolio should not be dramatically affected by any one stock.

Range of Investment Objectives
Mutual funds offer a variety of investment objectives, varying from conservative (emphasizing capital preservation) to aggressive (emphasizing long-term growth).

To reach your financial goals you must find out which funds will meet your specific needs regardless if it is an aggressive or conservative fund. WAM does this for you by analyzing your risk profile.

Easy Access to Your Money
Mutual funds provide a greater degree of liquidity than most types of investments. In most cases, investors may redeem their shares on any business day at the, then, current Net Asset Value ( which can be more or less than the original purchase price).

Option for Automatic Reinvestment
Shareholders typically have the option to reinvest fund dividends and capital gains distributions allowing the fund to purchase additional shares without any sales charge.

Affordability
You can invest in mutual funds with a modest initial investment. A mutual fund portfolio costs a fraction of what it would cost to develop a diversified portfolio of stocks or bonds on your own. The minimum amount of investment is $5,000 with additional deposits as low as $2,500.

Widely Popular
Mutual funds have proven to be an extremely convenient and attractive way for people to invest in a variety of different securities. More than 40 million people, or one out of every three households in America, invest in mutual funds. Currently, over $3 trillion is invested in mutual funds.

The first mutual fund was established in the United States in 1924. Their popularity over the past 15 years has soared because mutual funds make it easy and less costly for investors to meet their goals for capital growth, income and/or income preservation. These funds bring the benefits of diversification and money management to the individual investor by providing many different types of growth potential, furthering chances to diversify for different objectives.

Fund Availability
Not all funds are authorized for sale or exempt from registration or qualification in all countries. All offshore funds are not allowed to be sold in the United States or to any a United States citizen. Offshore funds CANNOT be sold or solicited in the United States or to any United States citizen abroad.

Fund Prospectus
We highly recommend the investor read the prospectus carefully prior to making a decision on which fund to purchase. It is important to understand your personal risk tolerance prior to purchasing a fund. For this reason; we highly recommend filling out the risk profile questionnaire.

Fund Performance
Fund historical performance does not guarantee the same or similar results for future performance. Principal, value, share prices, investment share prices and investment returns fluctuate with changes in market conditions. Your investment may be worth more or less than your original cost when redeeming your shares.