Three Investment Fund Offers
The Catholic Fraternity Fund (CFF) is the only Autonomous Pious Foundation offering investment management services to Catholic institutions located anywhere in the 19 counties of the Archdiocese of San Antonio. We base our ministry on the precept that we are called, through encounter and dialogue, to forge a unique fraternity in service to our members providing socially responsible investments to achieve their financial goals.
The Catholic Fraternity Fund delivers its services of good stewardship management through our commitment to the highest standards of accountability and transparency. Managing investment funds for members is all we do – and we do it every hour of every day always balancing preservation with innovation.
In this day of complex and volatile financial markets – characterized by historically low interest rates – managing, preserving and growing funds is not just a financial challenge, but a technical one as well. The Catholic Fraternity Fund was founded on the business model that professional, technical, and competent stewardship can best be achieved through dedicated investment funds, assembled for the sole benefit of its members, and with a distinct Catholic identity and commitment.
The investment funds are designed to provide a critical mass of investment size so as to make a real difference in increasing the fund’s investment opportunities, mitigation of risk, increasing diversification options, lowering of money manager costs and maximizing the appreciation potential/returns paid to its members.
The Catholic Fraternity Fund is also unique in that it offers three investment funds from which members can choose. What’s more, a member may divide an investment across as many of the models as they wish with no additional fees. An Investment Fund can be established for any amount over $25,000.
CFF offers three investment funds that utilize Mutual Funds, Exchanged Traded Funds (ETFs) and Christian Brothers Investment Services. The three new diversified investment portfolio funds offered are:
- Endowment / Equity Emphasis Fund
- Balanced Fund
- Income Emphasis Fund
INVESTMENT FUND ALLOCATIONS
Endowment Fund and Equity Emphasis Fund Allocation
The Equity Emphasis Fund invests primarily in a portfolio of CUITs holding US and international equity securities. It may also invest in mutual funds that hold fixed income securities and ETFs that focus on exchange-traded real estate investment trusts, as well as in cash and cash equivalents.
Equity Emphasis Fund
Asset Class Weights
Cash 1.5%
Fixed Income 23.5%
Total Stability 25%
Domestic Equity 53%
International Equity 18%
Real Estate 4%
Total Equities 75%
Grand Total 100%
Balanced Fund Allocation
The Balanced Fund invests in a combination of mutual funds that hold fixed income securities. It may also invest in CUITs holding US and international equity securities, and ETFs that focus on exchange-traded real estate investment trusts, as well as in cash and cash equivalents.
Balanced Fund
Asset Class Weights
Cash 1.5%
Fixed Income 48.5%
Total Stability 50%
Domestic Equity 35%
International Equity 12%
Real Estate 3%
Total Growth 50%
Grand Total 100%
Income Emphasis Fund Allocation
The Income Emphasis Fund invests primarily in mutual funds that hold fixed income securities. It may also invest in CUITs holding US and international equity securities, and ETFs that focus on exchange-traded real estate investment trusts, as well as in cash and cash equivalents.
Income Emphasis Fund
Asset Class Weights
Cash 5%
Fixed Income 65%
Total Stability 70%
Domestic Equity 20%
International Equity 7%
Real Estate 3%
Total Growth 30%
Grand Total 100%
PAST INVESTMENT RETURNS OF CURRENT INVESTMENT STRATEGY
Our Growth and Rates of Return
The goal of each fund is to offer competitive returns while investing according to the Catholic faith as outlined by United States Conference of Catholic Bishops statement on Social Responsible Investing. The investment strategy was slightly updated in August 2019. Note: Returns below are a historical look back of the current Investment funds and are not representative of a participants return.
CCF Endowment/CFF Equity Emphasis Fund – Annual Investment Returns after Money Manager Fees, before CCF Management Fees of the current Investment strategy
As of March 31, 2020
Fund $100,000 or more Small fund under $100,000
1 Year -6.4% -6.0%
3 Years 3.2% 3.4%
5 Years 4.1% 4.3%
10 Years 7.3% 7.4%
As of December 31, 2019
Fund $100,000 or more Small fund under $100,000
1 Year 24.2% 24.3%
3 Years 11.5% 11.8%
5 Years 8.4% 8.6%
10 Years 9.9% 9.9%
CFF Balanced Fund – Annual Investment Returns after Money Manager Fees, before CCF Management Fees of the current Investment strategy
As of March 31, 2020
Fund $100,000 or more Small fund under $100,000
1 Year -1.9% -1.6%
3 Years 3.7% 3.9%
5 Years 3.9% 4.0%
10 Years 6.3% 6.3%
As of December 31, 2019
Fund $100,000 or more Small fund under $100,000
1 Year 19.1% 19.2%
3 Years 9.2% 9.4%
5 Years 6.7% 6.9%
10 Years 8.0% 8.1%
CFF Income Emphasis Fund – Annual Investment Returns after Money Manager Fees, before CCF Management Fees of the current Investment strategy
As of March 31, 2020
Fund $100,000 or more Small fund under $100,000
1 Year 0.3% 0.6%
3 Years 3.3% 3.4%
5 Years 3.1% 3.3%
10 Years 4.7% 4.8%
As of December 31, 2019
Fund $100,000 or more Small fund under $100,000
1 Year 13.3% 13.4%
3 Years 6.6% 6.8%
5 Years 4.9% 5.1%
10 Years 5.8% 5.9%
Should a parish or Catholic institution wish to move beyond an Investment Fund account to permanently Endow Funds for their long term protection, we can help! *Limited Offer: $2,500 Bonus added to new CCF Endowment accounts.
The Catholic Fraternity Fund manages all investments in compliance with Socially Responsible Investment Guidelines in line with the teachings of our Catholic faith.
For more information, please contact Steve Oswald, CEO/President, Catholic Community Foundation at 210-732-2157 or at [email protected].
An Autonomous Pious Foundation