Rating Agency. Moody’s or S&P or an internationally recognised securities rating agency which shall be substituted for S&P or Moody's or both.

Record Date. The date on which a shareholder must officially own shares in order to receive the dividend. (See also “Ex-dividend”).

Return on assets. Measures profitability by reporting the percentage earned on assets; calculated by dividing 12 months of net income by total assets.

Return on equity. An amount, expressed as a percentage, earned on a company’s common stock investment for a specific time frame. This figure tells shareholders how effectively their money is being utilised.

Risk tolerance. An investor’s ability or willingness to endure declines in the prices of investments while waiting for them to increase in value.

R-squared. A measure of how much of a portfolio’s performance can be explained by the returns from the overall market (or a benchmark index). If a portfolio’s total return precisely matched that of the overall market or benchmark, it’s R-squared would be 1.00. If a portfolio’s return bore no relationship to the market’s returns, its R-squared would be 0.