Questions fréquentes
A UCITS (Undertaking for Collective Investment in Transferable Securities) is a collective investment scheme in securities. It comes in two main categories:
- SICAV (investment company with variable capital)
- FCP (common investment fund)
Harvest Asset Management offers four main categories of funds based on your profile and objectives:
- Money Market Funds: very low risk, ideal for investing your short-term cash.
- Bond Funds: exposure to government and corporate bonds, with a medium-term horizon.
- Equity Funds: investment in listed stocks, long-term horizon with high return potential.
- Diversified Funds: combination of assets to balance risk and performance.
Net asset value is the price of one unit or share of a UCITS at a given moment. It is calculated by dividing the fund's net assets (total portfolio value minus fees) by the number of units or shares outstanding. Subscriptions and redemptions are carried out based on this NAV.
UCITS offer many benefits for investors:
- Accessibility: invest from as little as 10,000 CFA francs, without needing extensive financial expertise.
- Diversification: your savings are spread across multiple assets, which reduces the impact of any single underperforming investment.
- Professional management: a team of experienced fund managers makes investment decisions on your behalf.
- Liquidity: you can redeem your units at any time, subject to the fund's terms.
- Transparency: net asset values are published regularly, and management reports are available.
- Regulatory security: funds are approved and supervised by COSUMAF (the Central African Financial Market Supervisory Commission).
Like any financial investment, UCITS have certain limitations to be aware of:
- They are subject to market fluctuations.
- Investors do not have direct control over investment decisions.
- Performance: past performance does not guarantee future results.
All investments carry risks. Here are the main risks to be aware of:
- Market risk: the value of the assets in the portfolio may fluctuate up or down depending on the movements of financial markets.
- Interest rate risk: a rise in interest rates may cause the value of bonds held in the fund to decline.
- Credit risk (or counterparty risk): risk of default by an issuer (government or corporation) that fails to meet its obligations.
- Liquidity risk: under certain market conditions, it may be difficult to sell some assets quickly at the desired price.
- Currency risk: for funds invested outside the CFA zone, unfavorable currency movements may impact performance.
- Operational risk: risk related to internal or external failures in the management process.
Our investment process incorporates a rigorous risk management approach based on several pillars: diversification of investments across different issuers and maturities, in-depth macroeconomic analysis of the CEMAC region and international markets, daily monitoring of issuer-specific risks, and strict adherence to the exposure limits set out in the fund prospectuses.
No, capital invested in a UCITS is not guaranteed, unless otherwise stated in the fund's prospectus. However, diversification and professional management aim to limit potential losses. We recommend that you invest according to your risk profile and with a time horizon consistent with the nature of the fund you choose.
The subscription process takes place in a few simple steps:
- Step 1 — Choose your fund: consult our range of funds on our website or contact one of our advisors to identify the fund that suits your profile.
- Step 2 — Prepare your file: provide a valid ID, a recent proof of address, and complete the subscription form.
- Step 3 — Make your deposit (cash, transfer, checks): transfer the amount of your subscription (minimum 10,000 CFA francs) to the dedicated FCP account indicated in your file.
- Step 4 — Confirmation: upon receipt of your complete file and your deposit, your subscription is processed at the next net asset value. A confirmation will be sent to you by email.
- A copy of your valid ID (national ID card, passport).
- Proof of address less than 3 months old.
- Bank account details (RIB) for redemption operations.
- The subscription form, KYC form, and investment services agreement, duly completed and signed.
The minimum investment amount is set at 10,000 CFA francs. This accessibility threshold was designed to enable as many people as possible to access the financial markets, regardless of their financial situation.
The Client is entitled to request the redemption of their shares in the FCP. Redemptions are executed according to the frequency set out in the information document, i.e., 2 business days after the date of the next NAV calculation.
Each redemption request must be formalized by the Client by submitting the following documents:
- A duly completed, dated, and signed redemption form;
- A bank account statement (RIB) issued by a prime bank in the CEMAC zone;
- Their valid ID, if applicable.
NB: Any redemption request may be reduced by any applicable exit fees.
Yes, you may make a partial redemption by specifying the number of shares or the exact amount you wish to withdraw.
After receiving your complete file and your transfer, your subscription is processed on the next net asset value calculation date. You will receive a confirmation by email.
Harvest Asset Management provides several monitoring tools:
- Online client portal: accessible 24/7, it allows you to track the performance of your investments in real time.
- Weekly reports: automatically sent by email, they summarize the performance and evolution of your portfolio.
Your portfolio statement indicates: the net asset value of each fund held, the number of units or shares in your portfolio, the total value of your investment, and the performance since subscription. If you have any questions, our team of advisors is available to assist you in reading your documents.
Yes. Harvest Asset Management is the first 100% independent asset management company licensed by COSUMAF (the Central African Financial Market Supervisory Commission) in the CEMAC zone. This license guarantees that we adhere to strict requirements regarding governance, risk management, transparency, and investor protection.
Protecting your personal data is a top priority for Harvest Asset Management. Your information is collected and processed in accordance with applicable regulations. It is never shared with third parties without your explicit consent. Our systems are protected by advanced security measures (encryption, access controls, continuous monitoring).
You can reach us through the following channels:
- Via our contact form available on the website www.hamgt.com.
- Directly from your online client portal.
- By phone or via WhatsApp at +237 679 184 000.
- By visiting our offices during business hours.
Yes, Harvest Asset Management offers a dedicated offering for institutional clients (companies, associations, foundations, etc.). In addition to collective management through our FCPs, we offer a Discretionary Asset Management solution that allows each institution to benefit from a personalized allocation tailored to its cash management constraints and objectives.
Discretionary Asset Management is a premium solution in which a dedicated private fund manager works with you to define a tailored investment strategy, taking into account your risk profile, return objectives, and investment horizon. Unlike collective funds, this management approach is fully personalized and adapts to changes in your financial situation.
If you wish to file a complaint, you can contact us at +237 679 184 000, by email at customercare@hamgt.com, or via our customer service, specifying the nature of your complaint and providing any supporting documents. We are committed to processing any complaint promptly and providing you with a clear response.