EFG

New Capital is part of EFG Asset Management. For more information visit: www.efg.com

Date:

Marketing Communication

Market Update

The first quarter of 2025 experienced significant market volatility. January 2025 began positively with the MSCI All Country World Index rising 3.4% due to optimism around Trump's proposed policies and strong corporate earnings. However, bond and currency markets faced turbulence, notably in Japan due to its contrasting monetary policy. In February 2025, global stock prices corrected, driven by concerns about Trump's policies potentially impacting US economic growth. Despite this downturn, the bond market rallied, and gold reached a new all-time high. Positive developments included a potential Ukraine ceasefire, German election results, and increased support for the Chinese stock market. March 2025 brought a reversal in market sentiment, with the MSCI World All Countries Index falling 3.9%. US markets saw steeper losses, while European indices curbed theirs. Market concerns were fuelled by potential impacts of US-imposed tariffs, fears of a global trade war, and signs of a slowing US economy. Meanwhile, European bond yields rose, and the euro strengthened due to the prospect of a more expansionary fiscal policy in Europe.

Fund Performance & Positioning

The Fund had a disappointing first quarter of the year, up 0.6% but lagging its benchmark by 3.4%. This was ahead of Global (-1.2%) and US markets (Nasdaq -8.1%, S&P500 -4.3%) but behind broad Global Emerging Markets (+3%) as China enjoyed a strong quarter, rising 15%.

Q1 has been characterised by a major performance reversal. Many of our positions which had performed so well in 2024 lagged their lower quality and cheaper peers. The noise volume was high (mainly from the United States’ President) but the – perhaps unintended – consequence was capital leaving the US, leading to significant selling of the Mag-7 and buying of the rest of the world. What we saw in January – a rally in Q4 ‘24’s weakest markets – continued: Colombia (+35%) rallied on expectations of political change; and Poland (+31%), Czech Republic (+28%) and Greece (+23.4%) benefitted from expectations around core-Europe’s fiscal expansion. Trump will get his wish that Europeans deal with their defence responsibilities in Der Ost. This all happened at the same time as monetary expansion has slowed meaningfully and inflation has remained sticky in the US. Policymakers might be in a tight spot regarding how to manage the conflicting cross currents of policy goals (lower inflation) and a President excited about Liberation Day. CFOs have already frozen much of their decision making and first quarter results are likely to be weak – although jobs data remains robust. The negative impacts of policies have already been seen in the likely bail-out of US farmers, pressured by rising costs and lower exports.

From a sector perspective, Consumer Discretionary, Healthcare and Communications Services were the biggest positive contributors. Financials, Real Estate and IT were the biggest detractors.

Naspers and MercadoLibre both delivered positive returns in Q1. The former has enjoyed a continued virtuous cycle of selling down its stake in Tencent to buy back and cancelling its shares, whilst Tencent itself does the same, monetising its sprawling asset base. The returns here were particularly good given the stock fell sharply on news in early January that Tencent was designated a military company by the outgoing US government. MercadoLibre delivered extremely strong fourth quarter results, buoyed across all business units and surprising particularly on margins, which were ahead of expectations, showing the potential operating leverage in the business. It also contrasted with third quarter results where management chose to suppress profitability with investments in logistics and financial services.

Our underweight in Healthcare drove most of the returns and in Communications Services, Bharti Airtel, the Indian telco, continued to deliver solid results – revenues rising 19% on tariff adjustments and their premiumisation strategy.

Detractors were a combination of style rotation and idiosyncratic company news. In the Financials sector, PB Fintech was the major detractor. This is a fast-growing Indian digital insurance broker and major winner of the previous years. Whilst operations continue to deliver – both in terms of revenue growth and margins – the stock was a victim of sharp outflows from the Indian mid-cap space. In Indonesia our position in Mandiri fell 12% on the back of the government’s decision to restructure State Owned Enterprises to better contribute to the sovereign wealth fund, Danantara. With lower oil, tight liquidity and a growing budget deficit, the bank (and the market in general) reacted negatively. These two companies accounted for almost 1% of the relative underperformance but have started to recover towards the end of March.

In Real Estate, all three companies hurt us (70bps between them). Emaar Development was up almost 100% in 2024 and despite taking profits, we did not cut enough. The subsequent retracement (13% in price terms) has coincided with significant upgrades leaving the company on 5.4x forward price to earnings – cheaper than in Q1 2024. Macrotech, the Indian developer focused on Mumbai, suffered similarly to PB Fintech – from mid-cap outflows – despite delivering solid fundamental growth. Ayala Land is materially outperforming its peers but was a systemic issue with some over-supply in the Philippines market.

Information Technology contained the main idiosyncratic issue: Globant, which cost 59bps. This was a deeply frustrating outcome driven by a small guidance downgrade after their Q4 results (which were fine). We speak to our portfolio companies frequently and in November Globant management assured us that their backlog of business for 2025 looked very solid. When management then downgraded growth in February to high-single digits we were disappointed. The company now trades at its cheapest level since its initial public offering but there is rightfully significant uncertainty over the “E” component given the outlook in the US, where is derives ~60% of its revenues. Taiwanese names also underperformed with a more pessimistic view over artificial intelligence (AI) investment after the DeepSeek launch. We believe this to be unfounded and the world to be in the early stages of AI adoption.

Outlook

After a tough first quarter, we have reviewed our positions and processes. Whilst we positioned ourselves well for the macroeconomic turbulence in our end markets towards the back end of 2024, and closed the underweight to Brazil in December, our stock selection let us down as markets recovered. Essentially we remained too quality biased in a market where the two best performing clusters are 1) most shorted and 2) high beta. Secondly, we did a huge amount of work in Q4 on Chilean and Colombian banks, with clearly identified winners – but did not pull the trigger. These sectors have rallied strongly year to date. And, similarly, we failed to buy some of the more value cyclical ideas we like – particularly in the proteins, gold and platinum group metals sub-sectors. As you can imagine we were as frustrated as any clients about this as small tilts here would have transformed the quarter.

So we continue to review a broad range of high quality businesses in different subsectors and countries and seek to identify clear earnings and valuation catalysts.

Looking forward from here we see policy uncertainty reaching almost peak fear as Trump is supposedly slapping tariffs on the world on 2 April 2025. We shall see if he follows through on the threats: so far the stick has been wielded but no contact has been made. In fact if you look at the performance of markets like Mexico, undoubtedly most at risk from policy changes, it seems to have bottomed in January at Trump’s inauguration and is now moving up. This was similar to 2016. Whilst investing with great conviction can be hard when the top-down is so messy, sticking to the basics is the only way to operate.

Surveying the year-to-date winners, it is hard not to argue that they are tactically over-bought. Eastern Europe has benefitted from 1) core stimulus, 2) hopes for peace in Ukraine and 3) cheap valuations. Whilst the macroeconomic impact of Germany’s policy changes may not be felt this year, and – we would argue – more uncertainty now about peace than three months ago given Putin’s rhetoric, there is an elevated likelihood that the outcome disappoints. In Latin America – Brazil’s rally has been driven by foreigners with locals net sellers. The market is still cheap and Lula’s popularity continues to fall, indicating certain change in leadership in October 2026. The structural case remains compelling with local institutional equity allocations at the lowest since 2018 and real rates ~10%. But there will be stumbling blocks on the way to the sunlight uplands of a fully fledged bull market.

Indeed much of the tactical opportunity we see is in over-sold “EM USD” assets – markets such as the UAE, Saudi Arabia. The main caveat is the oil price, which looks to have troughed in the mid-60s but is equally capped by higher volumes from OPEC. Turkey endured a bout of political turbulence in March which was an opportunity for us to add to a name we have been following for some time.

Stepping back, however, it is important to underline that – whilst messy – what is happening is good for the Emerging Market complex. I thought it would take four years to get to this point (global fatigue with Trump policies) but rambunctious tweeting accelerated the process. It is not that we want the US to go into recession for the rest of the world to outperform; we just need marginal liquidity to flow beyond seven fantastic companies. This is already happening, and the US market looks oversold in the short term. If Trump’s policies have made the US marginally less attractive to capital, stimulus in China and Europe has marginally made them more so. With the Federal Reserve now priced to cut three times this year, the DXY (US Dollar Index) could remain under pressure. With most Emerging Market companies trading cheaply versus their history and developed markets, the outlook is exciting.

Disclaimer

MARKETING COMMUNICATION

For professional clients, qualified investors and accredited investors only. The value of investments and the income derived from them can fall as well as rise, your capital is at risk. Note: Past performance is not a guide to the future. Returns may increase or decrease as a result of currency fluctuations.

All sources: EFG Asset Management (UK) Limited ("EFGAM"), Factset, Bloomberg, Morningstar as at end of the month.  Any other sources as applicable. 

This document has been produced by EFG Asset Management (UK) Limited for use by the EFG International  ("EFG Group" or "EFG") worldwide subsidiaries and affiliates within the EFG Group. EFG Asset Management (UK) Limited is authorised and regulated by the UK Financial Conduct Authority, registered no. 7389736. Registered address: EFG Asset Management (UK) Limited, Park House, 116 Park Street, London W1K 6AP, United Kingdom, telephone +44 (0)20 7491 9111. 

This document has been prepared solely for information purposes. The information contained herein constitutes a marketing communication and should not be construed as financial research or analysis, an offer, a public offer, an investment advice, a recommendation or solicitation to buy, sell or subscribe to financial instruments and/or to the provision of a financial service. It is not intended to be a final representation of the terms and conditions of any investment, security, other financial instrument or other product or service. The content of this document is intended only for persons who understand and are capable of assuming all risks involved. Further, this document is not intended to provide any financial, legal, accounting or tax advice and should not be relied upon in this regard. The information in this document does not take into account the specific investment objectives, financial situation or particular needs of the recipient. You should seek your own professional advice (including tax advice) suitable to your particular circumstances prior to making any investment or if you are in doubt as to the information in this document. 

Performance results shown are net of applicable fees and expenses. The value of investments and the income derived from them can fall as well as rise, and you may not get back the amount originally invested. Past performance is no indicator of future performance. Investment products may be subject to investment risks, involving but not limited to, currency exchange and market risks, fluctuations in value, liquidity risk and, where applicable, possible loss of principal invested. Some funds may have high volatility owing to portfolio composition or the portfolio management techniques utilised or be subject to various other risk factors. Such risks are set out in the Prospectus and KIID/KID.

A copy of the English version of the prospectus of the Fund and the key investor information document relating to the Fund is available on www.newcapital.com and may also be obtained from EFG Asset Management (UK) Limited. Where required under national rules, the key investor information document/the key information document will also be available in the local language of the relevant EEA Member State. 

The information provided in this document is not the result of financial research conducted by EFGAM’s research department. Therefore, it does not constitute investment or independent research as defined in EU regulation (such as “MIFID II” or “MIFIR”) nor under the Swiss “Directive on the Independence of Financial Research” issued by the Swiss Banking Association or any other equivalent local rules. Investors should carefully read the Prospectus and the Key Investor Information Document (KIID) and review such documents prior to taking any investment decisions.  This information can be obtained on request and free of charge from your client relationship officer.

Waystone Management Company (IE) Limited is the appointed Management Company and is regulated by the CBI. The Manager is a private limited company incorporated in Ireland under the company registration number C123529 with its registered office at 4th Floor, 35 Shelbourne Road, Ballsbridge, Dublin, D04 A4E0, Ireland.
 
Although information in this document has been obtained from sources believed to be reliable, no member of the EFG group represents or warrants its accuracy, and such information may be incomplete or condensed. Any opinions in this document are subject to change without notice. This document may contain personal opinions which do not necessarily reflect the position of any member of the EFG group. To the fullest extent permissible by law, no member of the EFG group shall be responsible for the consequences of any errors or omissions herein, or reliance upon any opinion or statement contained herein, and each member of the EFG group expressly disclaims any liability, including (without limitation) liability for incidental or consequential damages, arising from the same or resulting from any action or inaction on the part of the recipient in reliance on this document.

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Comparisons to indexes or benchmarks in this material are being provided for illustrative purposes only and have limitations because indexes and benchmarks have material characteristics that may differ from the particular investment strategies that are being pursued by EFG and securities in which it invests.

The information and views expressed herein at the time of writing are subject to change at any time without notice and there is no obligation to update or remove outdated information.
 
Risks associated with debt instruments with loss-absorption features – the Fund/Note/Account may invest in debt instruments with loss-absorption features, for example, contingent convertible debt securities (“CoCos”), senior non-preferred debts and subordinated debts issued by financial institutions. These debt instruments are subject to greater risks when compared to traditional debt instruments as such instruments typically include terms and conditions which may result in them being partly or wholly written off, written down, or converted to ordinary shares of the issuer upon the occurrence of a pre-defined trigger event (e.g. when the issuer is near or at the point of non-viability or when the issuer’s capital ratio falls to a specified level). Such trigger events are likely to be outside of the issuer’s control and are complex and difficult to predict and can result in a significant or total reduction in the value of such instruments.
 
Country of origin of the collective investment scheme:  Ireland.  The information contained in this document is merely a brief summary of key aspects of the fund.

More complete information on the fund can be found in the relevant memorandum and articles of association, prospectus, key information document, the addenda, the supplements and the most recent audited annual report and the most recent semi-annual report. These documents constitute the sole binding basis for the purchase of fund units. Copies of these documents are available free of charge and may be obtained upon request from www.newcapital.com and also as follows:

Ireland: from the registered office of the Fund at 35 Shelbourne Road, Ballsbridge, Dublin, Ireland

United Kingdom:  from the UK facilities agent, EFG Asset Management (UK) Limited, Park House, 116 Park Street, London W1K 6AF, United Kingdom

Switzerland: from the Swiss representative, CACEIS (Switzerland) SA, Route de Signy 35, CH-1260 Nyon 2 and the paying agent, EFG Bank SA, 24 Quai du Seujet, CH-1211, Geneva 2, Switzerland.

Italy: from the Italian paying agent, All funds Bank S.A.U., Milan Branch, Via Santa Margherita, 7 – 20121, Milan, Italy

Germany: from the German Facility Agent, FE fundinfo (Luxembourg) S.a.r.l. 6 Boulevard des Lumières, Belvaux 4369 Luxembourg

Austria, France, Luxembourg, the Netherlands, Portugal, Spain and Sweden: from the European Facility Service provider, FE fundinfo with registered address 6 Boulevard des Lumières, Belvaux, 4369 Luxembourg

Cyprus: from the Cypriot Paying Agent Eurobank Cyprus Ltd, 41 Makariou Avenue, 1065, Nicosia, Cyprus

Greece: from the Greek Paying Agent, Eurobank S.A., 8 Othonos Street, 10557 Athens, Greece

A summary of investor rights associated with an investment in the Fund shall be available in English from www.newcapital.com.

Termination of marketing arrangements: Waystone Management Company (IE) Limited have the right to terminate the arrangements made for marketing the Fund in certain jurisdictions and to certain investors. In such circumstances, Shareholders in the affected EEA Member State will be notified of this decision and will be provided with the opportunity to redeem their shareholding in the Fund free of any charges or deductions for at least 30 working days from the date of such notification. 

European Union: Waystone Investment Management (IE) Limited is the European investment distributor and is authorized in Ireland as an investment firm under the Markets in Financial Instruments Directive. Waystone Investment Management (IE) Limited acts as a distributor
in the European Union under reference number C1011 and Ireland. Waystone Investment Management (IE) Limited does not provide investment advice on an independent basis.

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The Fund has not been authorised or recognised by the Monetary Authority of Singapore (“MAS”), and the units in the Fund (the "Units") are not allowed to be offered to the retail public. Moreover, the Information Memorandum is not a prospectus as defined in the Securities and Futures Act 2001 of Singapore, as amended or modified from time to time (“SFA”), and statutory liability under the SFA in relation to the content of prospectuses would not apply. The Information Memorandum has not been and will not be registered as a prospectus with the MAS. Accordingly, the Information Memorandum, this document and any other document or material in connection with the offer or sale, or invitation for subscription or purchase, of the Units may not be circulated or distributed, nor may the Units be offered or sold, or be made the subject of an invitation for subscription or purchase, whether directly or indirectly, to the public, any member of the public or any person in Singapore, other than under an exemption provided in the SFA for offers made (a) to an institutional investor (as defined in Section 4A of the SFA) pursuant to Section 304 of the SFA, (b) to a relevant person (as defined in Section 305(5) of the SFA), or any person pursuant to an offer referred to in Section 305(2) of the SFA, and in accordance with the conditions specified in Section 305 of the SFA, or (c) otherwise pursuant to, and in accordance with, the conditions of any other applicable provision of the SFA. The Units are classified as "capital markets products other than prescribed capital markets products" (as defined in the Securities and Futures (Capital Markets Products) Regulations 2018 and Specified Investment Products (as defined in MAS Notice SFA 04-N12: Notice on the Sale of Investment Products and MAS Notice FAA-N16: Notice on Recommendations on Investment Products).

Information for investors in Australia: 
For Professional, Institutional and Wholesale Investors Only. This document has been prepared and issued by EFG Asset Management (UK) Limited, a private limited company with registered number 7389736 and with its registered office address at Park House, Park Street, London W1K 6AP (telephone number +44 (0)20 7491 9111). EFG Asset Management (UK) Limited is regulated and authorized by the Financial Conduct Authority No. 536771. EFG Asset Management (UK) Limited is exempt from the requirement to hold an Australian financial services licence in respect of the financial services it provides to wholesale clients in Australia and is authorised and regulated by the Financial Conduct Authority of the United Kingdom (FCA Registration No. 536771) under the laws of the United Kingdom which differ from Australian laws.  This document is personnal and intended solely for the use of the person to whom it is given or sent and may not be reproduced, in whole or in part, to any other person.
 ASIC Class Order CO 03/1099 EFG Asset Management (UK) Limited notifies you that it is relying on the Australian Securities & Investments Commission (ASIC) Class Order CO 03/1099 (Class Order) exemption (as extended in operation by ASIC Corporations (Repeal and Transitional Instrument 2016/396) for UK Financial Conduct Authority (FCA) regulated firms which exempts it from the requirement to hold an Australian financial services licence (AFSL) under the Corporations Act 2001 (Cth) (Corporations Act) in respect of the financial services we provide to you. 

UK Regulatory Requirements 
The financial services that we provide to you are regulated by the FCA under the laws and regulatory requirements of the United Kingdom which are different to Australia. Consequently any offer or other documentation that you receive from us in the course of us providing financial services to you will be prepared in accordance with those laws and regulatory requirements. The UK regulatory requirements refer to legislation, rules enacted pursuant to the legislation and any other relevant policies or documents issued by the FCA.  Your Status as a Wholesale Client. In order that we may provide financial services to you, and for us to comply with the Class Order, you must be a 'wholesale client' within the meaning given by section 761G of the Corporations Act. Accordingly, by accepting any documentation from us prior to the commencement of or in the course of us providing financial services to you, you warrant to us that you are a ‘wholesale client’; agree to provide such information or evidence that we may request from time to time to confirm your status as a wholesale client; agree that we may cease providing financial services to you if you are no longer a wholesale client or do not provide us with information or evidence satisfactory to us to confirm your status as a wholesale client; 
and agree to notify us in writing within 5 business days if you cease to be a 'wholesale client' for the purposes of the financial services that we provide to you.

IMPORTANT NOTE: FOR PUBLICATIONS WITH CONTENT RELATED TO FUNDS

Offering Documents 

Neither this document nor any document under which Interests in the New Capital UCITS Fund plc (the “Fund”) are offered is a prospectus, product disclosure statement or other formal disclosure document under the Corporations Act.  Interests in the Fund may not be offered, issued, sold or distributed in Australia other than by way of or pursuant to an offer or invitation that does not need disclosure to investors either under Part 7.9 or Part 6D.2 of the Corporations Act, whether by reason of the investor being a wholesale client (as defined in section 761G of the Corporations Act and applicable regulations) or otherwise. Nothing in this document nor any document under which interests in the Fund are offered constitutes an offer of interests in a financial product or financial product advice to a 'retail client' (as defined in section 761G of the Corporations Act and applicable regulations).

The issuer of the interests in the Fund relies on exemptions available under Australian law from the need to hold an AFSL for the provision of financial services to Australian wholesale clients. Note that as all investors must be wholesale clients, no cooling off rights are available in relation to an investment in the Fund.

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