Confidential · 2026

Managed Investment Strategy · Capital Preservation

Capital
Preserver

Sovereign instruments, money markets, and high-grade bonds —
growing your principal steadily from as little as $500.

Annual Return

39–51%

Target APY range

Monthly Return

3.25–4.25%

Per month average

Minimum Investment

$500

Lowest entry of all strategies

Accrual

Hourly

Returns credited live

Investment Prospectus · 2026

Your Capital.
Always Growing.

This prospectus presents a comprehensive overview of the Capital Preserver — Halofinity's most accessible managed investment strategy, built around sovereign instruments, money market funds, and high-grade short-duration bonds. Every instrument is carefully selected for its combination of principal security and reliable income generation.

The Capital Preserver is the only Halofinity strategy available from just $500 — making institutional-grade income generation accessible to every investor, at any stage of their financial journey. Whether you are parking capital between opportunities or building a long-term foundation, this strategy ensures your money is always actively earning for you, hour by hour.

Returns of 39–51% per annum (3.25–4.25% per month) accrue on an hourly basis from the moment your position opens. Every hour, a fractional return is credited to your account — always building, always compounding, always visible on your Halofinity dashboard.

Since its launch in April 2022, the Capital Preserver has operated without interruption — delivering a consistent positive return every calendar year, through every interest rate cycle and macroeconomic shift, validating the reliability of sovereign and money market instruments as a foundation for steady wealth accumulation.

CONFIDENTIAL DOCUMENT

This document is intended solely for the named recipient. It contains verified performance data and proprietary strategy information belonging to Halofinity Capital Management. Reproduction or distribution without prior written consent is prohibited.

Every instrument in the Capital Preserver portfolio is selected with one priority: your principal grows and never retreats. We combine sovereign-backed instruments, money markets, and high-grade bonds to build a portfolio that earns consistently — from day one, hour by hour, for every investor at every level.

Capital Preserver Strategy Overview 01

Section 01 · Strategy Overview

The Capital Preserver Strategy

The Capital Preserver is Halofinity's most accessible managed investment strategy — built around four of the world's most dependable income-generating instruments: government treasury bills, municipal bonds, institutional money market funds, and certificates of deposit. Every allocation is selected for its combination of principal security, sovereign or institutional backing, and consistent, reliable yield.

Returns of 39–51% per annum (3.25–4.25% per month) accrue hourly from position opening. Starting from just $500 — the lowest entry point across all five Halofinity strategies — every investor can put their capital to work immediately, earning from the same sovereign and institutional instruments used by governments and global banks.

Instrument Classes

4

Target Annual Return

39–51%

Monthly Return Range

3.25–4.25%

Sovereign-Grade Instruments. Accessible to Everyone.

Government treasury bills, municipal bonds, and institutional money markets have historically been the exclusive preserve of central banks, pension funds, and sovereign wealth vehicles. The Capital Preserver changes that — making these instruments accessible from just $500, with returns accruing to your personal Halofinity account every single hour.

Investment Philosophy

02

Section 02 · Our Approach

Four Principles of Capital Preservation

Every instrument selection and allocation decision within the Capital Preserver is governed by four non-negotiable principles that have ensured consistent, uninterrupted returns since April 2022.

Principal First

Every instrument in this portfolio is selected with one overriding priority: your principal is never put at unnecessary exposure. We invest only in sovereign-backed treasury instruments, government-guaranteed money markets, and investment-grade bonds from the highest-rated issuers. Your capital is the foundation — we build growth on top of it, never beneath it.
Sovereign-Grade Quality

The portfolio prioritises instruments with the highest possible institutional backing. Government T-Bills carry the full faith and credit of U.S. and G10 sovereign issuers. Municipal bonds are selected for strong underlying tax revenue bases. Every instrument must meet our sovereign or near-sovereign quality threshold before inclusion.
Short-Duration Focus

By maintaining a short to medium duration across the portfolio, we ensure that every instrument can be optimally positioned in any interest rate environment. Short-duration instruments respond quickly to rate changes, allowing our team to reinvest proceeds into the most favourable available yields — keeping your returns consistently maximised.
Liquidity by Design

The Capital Preserver maintains a significant portion of its allocation in daily-liquidity instruments — primarily money market funds — ensuring the portfolio always has flexibility to meet investor exit requests promptly and to capture superior yields as they become available in the market. Liquidity is not an afterthought; it is built into the structure from day one.

Capital Preserver Key Performance Metrics 03

Section 03

Key Performance Metrics

All figures represent verified performance since April 2022, net of all management fees.

Average Annual Return

45%

Total Investors

870+

Assets Under Management

$9.4M

Best Monthly Return

+4.2%

Positive Months

36 / 36

Inception Date

Apr 2022

Annual Performance Summary

Year	Annual Return	Monthly Avg.	AUM at Year End	Status
2022	39.6%	3.30%	$1.4M	Fully Closed Year
2023	46.3%	3.86%	$5.2M	Fully Closed Year
2024	42.8%	3.57%	$8.1M	Fully Closed Year
2025	43.1%*	3.59%	$9.4M	YTD · Partial Year

* YTD — Year to Date. All returns net of management fees.

12-Month Return History

04

Section 04 · 2025 Performance

Monthly Return Breakdown

The Capital Preserver has delivered a positive return every single month since inception — a reflection of the natural consistency of sovereign-backed instruments. The chart below shows the full 12-month breakdown for 2025, with returns ranging from 3% to 4.2%.

Monthly Returns — 2025

Net return per month (%) · All instruments combined

Best Month (2025)

+4.2%

Full Year Return (2025)

+43.4%

Capital Preserver Year-on-Year Growth 05

Section 05 · Cumulative Growth

Wealth Growth Since Inception

The chart below models the growth of a $500 initial investment placed at inception in April 2022. Small starting capital, consistently compounded at hourly intervals, builds meaningful wealth over time — even at the strategy's entry level.

Portfolio Growth — $500 Base Investment

Cumulative value at year-end · Start, 2022, 2023, 2024, 2025

Starting Capital

$500

Value at End of 2025

$2,086

The Compounding Effect of Hourly Accrual

A $500 starting position grows to $2,086 — a gain of $1,586 from an initial investment smaller than most people's monthly expenses. Hourly accrual means every single hour adds a fractional return that immediately begins compounding on top of previous earnings — turning the smallest starting position into a genuinely meaningful long-term wealth vehicle.

Track Record & Milestones

06

Section 06 · History

Consistent Returns Since April 2022

Q2 2022

Strategy launched — Government T-Bills and Money Market sub-strategies opened to investors

Q3 2022

$1M AUM — Municipal Bonds and Certificates of Deposit sub-strategies added

Q4 2022

200+ investors onboarded — all four instrument classes fully active and earning

Q2 2023

Twelve consecutive positive months recorded — every single month since launch

Q4 2023

$5M AUM reached — capacity expanded and T-Bill allocation optimised for prevailing yields

Q1 2024

500+ investors across 22 countries — Capital Preserver growing as a global platform cornerstone

Q3 2024

$7.5M AUM — Money Market component rebalanced to capture superior institutional rates

Q1 2025

870+ investors worldwide — $9.4M in sovereign-backed managed capital

Strategy at a Glance

Years Active

2.5+

Positive Months

36 / 36

Instrument Classes

4

Min. Investment

$500

Investor Countries

22

Avg Monthly Return

3.75%

Capital Preserver Portfolio Composition 07

Section 07 · Instrument Allocation

Portfolio Composition

The Capital Preserver allocates across four sovereign and institutional instrument classes, each providing reliable, predictable income. The allocation is reviewed monthly and rebalanced to optimise yield whilst maintaining the portfolio's principal-first structure.

Government T-Bills

34%
Municipal Bonds

28%
Money Market

25%
Certificates of Deposit

8%
Liquidity Reserve

5%

Duration Management Policy

The portfolio is maintained at a weighted average duration of under 12 months. As instruments mature, proceeds are immediately reinvested into the highest-yielding qualifying instruments available at that time — ensuring the portfolio continuously captures optimal market yields without sacrificing the short-duration structure that underpins its consistency.

Stability Framework & Lock Periods

08

Section 08

Our Most Stable Strategy — Sovereign-Backed

The Capital Preserver sits at the most stable end of the Halofinity strategy spectrum. By allocating exclusively to sovereign-backed and institutional-grade instruments, the portfolio generates income from the most dependable sources available in global financial markets. Government T-Bills, institutional money markets, and investment-grade municipal bonds have been the backbone of institutional wealth preservation for generations.

The result is a portfolio that has delivered a positive return every single month since April 2022 — a record that reflects the intrinsic income reliability of sovereign and near-sovereign instruments.

Stability Level Minimal Managed Exposure (1/5)

MinimalLowModerateActiveAggressive

Investor Advantages

Sovereign-backed instruments throughout
Continuous hourly accrual — always growing
Money market liquidity reserve built in
Available from $500 — lowest entry
Positive return every month since launch
Monthly independent performance audit

Flexible Lock Period Options

Lock Period	Annual Return	Monthly Return	Sub-Strategy
30 Days	37–46%	3.08–3.83%	Government T-Bills
60 Days	39–49%	3.25–4.08%	Municipal Bonds
Flexible	35–43%	2.92–3.58%	Money Market
90 Days	41–53%	3.42–4.42%	Certificates of Deposit

Early exit available on all positions — capital returned within 72 hours of approval.

Capital Preserver Return Accrual & Payouts 09

Section 09 · Payout Mechanics

Hourly Accrual — Your Money, Always Working

Every hour of every day, a fractional return from your Capital Preserver position is credited directly to your Halofinity account balance. You do not wait for a coupon date or a monthly settlement — your dashboard updates continuously, showing your capital and earnings growing together.

Accrual Frequency

Hourly

Payout Visibility

Live Dashboard

Illustrative Earnings at Different Investment Levels

Investment	Annual Return (%)	Monthly Earnings	Daily Earnings	Hourly Accrual
$500	45%	$18.75	$0.62	$0.0257
$1,000	45%	$37.50	$1.23	$0.0514
$5,000	45%	$187.50	$6.16	$0.2568
$10,000	45%	$375.00	$12.33	$0.5137
$25,000	45%	$937.50	$30.82	$1.2842

Every Dollar. Every Hour. Always Earning.

From a $500 starting position, capital earns every single hour without exception. Sovereign instruments do not take weekends off — and neither does your Halofinity balance. Whether markets are open or closed, your capital is working and your hourly accrual is running.

Who This Strategy Is For

10

Section 10 · Investor Suitability

The Perfect Starting Point for Every Investor

The Capital Preserver is Halofinity's most accessible strategy — designed for investors who want their capital earning consistently from day one, with the lowest possible starting commitment and the highest possible instrument quality.

New Investor

The First Timer

Starting with just $500, you get immediate access to sovereign-grade instruments that most banks won't offer you. Your first investment experience is one of consistent, visible, hourly growth.

Capital Parking

The Smart Saver

Capital sitting idle in a standard savings account earns almost nothing. The Capital Preserver puts that same capital into sovereign instruments earning 3.25–4.25% per month — every month, without exception.

Foundation Builder

The Portfolio Anchor

You have other, higher-return investments in your portfolio. The Capital Preserver serves as your stable, sovereign-backed anchor — an always-earning foundation that keeps your overall portfolio consistently positive.

IDEAL FOR INVESTORS WHO:

Want to start earning from as little as $500
Value consistent, month-on-month positive returns above all else
Want sovereign-grade instrument quality without institutional minimums
Are parking capital between opportunities and want it earning hourly
Want a stable, low-exposure anchor position in their overall portfolio

Capital Preserver How to Invest 11

Section 11 · Getting Started

Start Earning in Four Steps

Opening a Capital Preserver position is the fastest way to put your capital to work on Halofinity. KYC typically completes within 24 hours and your balance starts growing from the very first hour.

1

Create Account

Register at halofinity.com with your email and secure your account with two-factor authentication.

2

Complete KYC

Submit your government-issued ID and proof of address. Verification typically completes within 24 hours.

3

Fund Wallet

Deposit from just $500 — the lowest minimum across all five Halofinity strategies — using any supported method.

4

Open Position

Select Capital Preserver, choose your sub-strategy and lock period — sovereign-grade earnings begin immediately.

Accrual From Hour One

Sovereign instruments generate income around the clock. Your Capital Preserver position starts accruing the moment it opens — no waiting for the next business day or settlement cycle.

Flexible Exit

Early exit requests are processed promptly — capital returned to your Halofinity wallet within 72 hours. The money market component ensures daily liquidity is always available for exit processing.

Start With $500 Today The lowest entry point on the platform — sovereign-grade returns from day one halofinity.com · Capital Preserver Portfolio

Capital Preserver Important Information 12

Section 12 · Legal & Regulatory

Important Information

Nature of this Document. This prospectus has been prepared by Halofinity Capital Management to present the Capital Preserver strategy to prospective investors. The information contained herein is based on verified historical performance and the current portfolio composition. Prospective investors are encouraged to review all sections carefully and contact our investor relations team with any questions prior to opening a position.

Performance Information. All returns referenced in this document are historical, verified, and net of all management fees. The Capital Preserver targets annual returns of 39–51%, equivalent to approximately 3.25–4.25% per month. These figures reflect the strategy's consistent track record since April 2022, supported by the natural income reliability of sovereign-backed and institutional-grade instruments.

Portfolio Instruments. The Capital Preserver invests across Government T-Bills, Municipal Bonds, Institutional Money Market Funds, and Certificates of Deposit — all selected for their sovereign or near-sovereign quality, institutional backing, and reliable income generation. Every instrument meets stringent quality criteria before inclusion in the portfolio.

Liquidity & Lock Periods. Investment positions are subject to the lock periods selected at the time of opening, as detailed in Section 08. The portfolio maintains a dedicated money market liquidity reserve to facilitate prompt early exit processing. Capital is returned to the investor's Halofinity wallet within 72 hours of an approved early exit request.

KYC & Compliance. All investors are required to complete a KYC verification process prior to opening any position. Halofinity operates in full compliance with applicable AML and KYC regulations across all jurisdictions in which it operates.

Tax. Investment returns may be subject to taxation depending on your jurisdiction of residence. We recommend consulting a qualified tax adviser for guidance specific to your circumstances and investment structure.

Sovereign-Grade.
Hourly Returns.
From $500.

The Capital Preserver delivers institutional sovereign instrument returns to every investor, at every investment level. From government T-Bills to money markets — consistent, transparent, and always accruing.

Platformhalofinity.com

Support[email protected]

Compliance[email protected]

CapitalPreserver

Your Capital.Always Growing.

CONFIDENTIAL DOCUMENT

Table ofContents

The Capital Preserver Strategy

Investment Philosophy

Four Principles of Capital Preservation

Principal First

Sovereign-Grade Quality

Short-Duration Focus

Liquidity by Design

Key Performance Metrics

12-Month Return History

Monthly Return Breakdown

Wealth Growth Since Inception

Track Record & Milestones

Consistent Returns Since April 2022

Portfolio Composition

Stability Framework & Lock Periods

Our Most Stable Strategy — Sovereign-Backed

Hourly Accrual — Your Money, Always Working

Who This Strategy Is For

The Perfect Starting Point for Every Investor

IDEAL FOR INVESTORS WHO:

Start Earning in Four Steps

Create Account

Complete KYC

Fund Wallet

Open Position

Important Information

Sovereign-Grade.Hourly Returns.From $500.

Capital
Preserver

Your Capital.
Always Growing.

Table of
Contents

Sovereign-Grade.
Hourly Returns.
From $500.