This is a hybrid collective scheme set up in June 2009. The fund invests in short and long term instruments on the Ghanaian and other African Markets. The fund aims to provide tax free real returns in the form of capital appreciation and income by investing in equities, quasi equities and fixed Income. The Trust will invest in a wide range of listed companies across the spectrum of the economy. This will lower the risk of the portfolio, whilst maximizing returns. The manager of the HFC F-Plan is obliged to buy-back units on demand of the unit holder, thus providing substantial liquidity to investors. Being a large professionally managed portfolio, F-Plan Trust incur proportionately lower trading commissions than individuals, which can translate into significantly better investments returns.