The Fund aims to achieve a return on your investment (generated through an increase in the value of the assets held by the Fund and/or income received from those assets) for investors planning to retire between 2038 and 2042 by investing primarily in other funds and changing its asset mix over time, whilst incorporating certain environmental, social and governance (ESG) commitments (as described below) The Fund intends to gain indirect exposure globally to equity securities (e.g. shares), fixed income (FI) securities (such as bonds) and alternative assets (such as property and commodities) by investing at least 70% of its total assets in other funds. The Fund may also invest directly in equity securities, FI securities, MMIs (i.e. debt securities with short-term maturities), deposits and cash. The Fund’s investment manager (IM) may use derivatives (i.e. investments the prices of which are based on one or more underlying assets) to help achieve the Fund’s investment objective, or for efficient portfolio management purposes (EPM) (i.e. to reduce risk or costs within the Fund’s portfolio or generate additional income). The Fund may engage in short-term secured lending of its investments to certain eligible third parties to generate additional income and off-set costs.