Sections

Reference Profit Allocation Framework
- Additional Incentives
- Disclaimer
Investor Protection Statement
Liquidity and Redemption Policy
Investor FAQ

Reference Profit Allocation Framework

The following table outlines the reference yield ranges for different investment cycles, based on historical performance from January 2024. These figures are for reference only and do not constitute a guaranteed return.

Investment Cycle	Reference Yield (% NAV)	Notes
Monthly	~5.95% NAV	Based on the average performance from January 2024
Quarterly	~6.15% NAV	Distributed at the end of each quarter
6 Months	~6.35% NAV	Suitable for medium-term investors
12 Months	~6.55% NAV	Recommended for long-term investors

Additional Incentives

Employees and shareholders of BeQ Holdings are entitled to an additional +1% reference profit allocation as a membership incentive.

Disclaimer

The above percentages are reference yields based on past trading performance.
The Wealth Farming Internal Trust Fund does not guarantee fixed returns.
Actual future investment performance may be higher or lower than the reference yields.
Investors are advised to carefully consider their options and may consult independent advisors before making decisions.

Key Message:
"We provide transparent historical data and reference frameworks, not fixed promises. Investors are protected by a community risk buffer mechanism and benefit from clear incentives for long-term commitment."

Investor Protection Statement

The Wealth Farming Internal Trust Fund is built on the core principle of prioritizing the protection of investors’ principal capital. While returns are important, the safety and sustainability of capital form the foundation for long-term growth.

Principal Capital Protection Principle

The fund is established with the primary goal of safeguarding investors’ original capital, ensuring stability and long-term viability.

10% Risk Buffer Mechanism

Upon joining the fund, each investor contributes an additional 10% of their initial capital to the Capital Buffer Fund.
This buffer is not used for profit generation but serves as an internal insurance mechanism, providing an additional layer of protection for the investor community against market volatility.
The buffer operates independently and transparently to safeguard collective interests.

Handling Force Majeure Events

In cases of significant market volatility or unforeseen risks (force majeure):

Priority 1: Utilize the 10% Capital Buffer to offset losses, ensuring principal capital preservation.
Priority 2: If losses exceed the buffer, the fund will implement a fair pro-rata distribution based on remaining capital.
Priority 3: Provide transparent and timely disclosures to all investors, accompanied by reports from third-party platforms (e.g., trading exchanges).

Proven Track Record

From January 2024, investors have not only preserved their principal capital but have also received returns exceeding their initial investment. This demonstrates the effectiveness of the 10% buffer mechanism and instills confidence in the investor community.

Wealth Farming Commitment

The Wealth Farming Internal Trust Fund is committed to:

Transparent reporting through detailed records and data-backed documentation.
Protecting investor interests through an independent risk buffer mechanism.
Managing risks fairly and collectively, prioritizing principal capital safety.

Key Message:
"The 10% buffer is not a cost but an ‘internal capital insurance’—a commitment to protecting the community’s assets in all scenarios."

Liquidity and Redemption Policy

The Wealth Farming Internal Trust Fund, managed directly by BeQ Holdings’ trading team, ensures transparency and investor protection through a clear liquidity and redemption policy.

Redemption Notice Period

Investors must submit a valid redemption request at least seven (7) business days prior to the intended withdrawal date.
Requests are only valid when confirmed via official email or stamped written documentation.

Profit Calculation for Redemption

Profits are calculated up to the date of a valid redemption request (T–7).
After this date, the capital is held for processing and does not accrue further profits.
For mid-cycle withdrawals, profits are calculated pro-rata based on the actual participation period within the cycle.

Request Processing Principles

Redemption requests are processed on a “First In, First Out” basis.
If total redemption requests exceed the liquidity threshold, the fund may extend the disbursement period with prior notification.

10% Risk Buffer Contribution

Upon joining, each investor contributes an additional 10% of their initial capital to the Risk Buffer Fund.
This non-refunded contribution serves as a community insurance mechanism to protect collective interests in unforeseen circumstances.
This principle ensures the fund’s sustainability and protects the investor community.

Transparency Commitment

The fund periodically discloses payment confirmations and liquidity status.
All processes are recorded in the internal management system and available for verification upon request.

Key Message:
"This policy ensures investors’ confidence that their capital and profits are managed transparently and fairly, with the 10% risk buffer protecting the community’s collective interests."

Investor FAQ

What is the Wealth Farming Internal Trust Fund?

The Wealth Farming Internal Trust Fund is an investment fund operated by BeQ Holdings’ trading division, designed exclusively for company employees, shareholders, and trusted partners. It emphasizes principal capital protection and sustainable growth, supported by a 10% risk buffer mechanism.

Why is the 10% risk buffer required?

The 10% risk buffer acts as an internal insurance layer, enabling the fund to respond to unforeseen market disruptions, ensuring principal capital preservation even during significant volatility.

Does the 10% buffer generate profits?

No. The buffer is a separate reserve, not used for profit generation, but solely to protect investors during major risks.

What happens to the 10% buffer in normal market conditions?

The buffer remains independent and is only activated in the event of significant risks. In normal conditions, investors receive profits from their primary investment as usual.

How is the buffer used in force majeure scenarios?

Step 1: The 10% buffer is used to offset losses.
Step 2: If losses exceed the buffer, a fair pro-rata distribution is applied based on remaining capital.
Step 3: Full transparency is provided to the investor community.

What are the fund’s obligations if I’ve received profits exceeding my principal?

The fund remains committed to transparency and principal protection. However, once profits exceed the initial capital, the focus shifts to maintaining fairness across the investor community rather than guaranteeing fixed returns.

Does the fund guarantee fixed profits?

No. Profits depend on market performance. The fund commits to principal protection through the risk buffer and transparent reporting, not fixed returns.

Is the 10% buffer refunded upon withdrawal?

The 10% buffer is considered an internal capital insurance cost and is not refunded. Investors receive their principal capital and profits (if any) upon withdrawal.

How is transparency ensured?

From January 2024, the fund has consistently paid profits ranging from 6.95% to 16% per month, serving as clear evidence of its effectiveness and commitment. Moving forward, the fund will implement standardized reporting to align with international standards in preparation for expansion and IPO.

Who oversees the Wealth Farming Internal Trust Fund?

The fund is currently managed by BeQ Holdings’ dedicated trading team, which has delivered consistent profits from January 2024. In the upcoming expansion phase, the fund will introduce independent audits and external oversight to meet international standards.

What are the benefits of joining Wealth Farming compared to other channels?

Principal protection through the 10% risk buffer.
Proven from January 2024 track record with profits exceeding principal.
Transparent reporting and clear documentation.
Community-based risk-sharing, reducing systemic risks.

What is the actual profit investors have received?

From January 2024, profits have ranged from a stable minimum of 5.95% per month to 16% per month during earlier phases.

How are force majeure risks handled?

Priority 1: Use the 10% buffer to cover losses.
Priority 2: Apply pro-rata distribution if losses exceed the buffer.
Priority 3: Disclose all information transparently to investors.

Why isn’t NAV/IRR publicly disclosed?

As an internal fund, transparency is currently demonstrated through actual cash flow payments. In preparation for IPO, standardized NAV/IRR reporting will be implemented.

What is the redemption process?

Investors must submit a redemption request via official email or stamped documentation at least seven (7) business days in advance. The fund processes requests on a “First In, First Out” basis.

Is there a penalty for early withdrawal?

The fund applies an early withdrawal processing fee to protect the community’s interests, not as a penalty.

Are profits accrued during the redemption waiting period?

Profits are calculated up to the date of a valid redemption request (T–7). After this, the capital is held for processing and does not accrue further profits.

Are the 5.95%–7.55% monthly yields guaranteed?

No. These are reference yields From January 2024 of actual trading performance. Future performance may vary.

Why use “reference yield” instead of “interest rate”?

The fund is not a banking product. Reference yields are historical averages provided for transparency, not fixed guarantees.

Why should I trust the ~6% NAV/month yield?

From January 2024, track record of consistent payments to investors serves as tangible evidence, supported by transaction records, not speculative projections.

How can I verify that profits are not inflated?

All transactions and payments are recorded in the internal system, with bank transfer confirmations available for verification.

Why do BeQ shareholders and employees receive an additional 1%?

This is a membership incentive to reward long-term commitment to BeQ Holdings.

Can profits fall below the reference yield during market volatility?

Yes. The reference yield is not a guarantee, but the 10% risk buffer ensures community protection during volatility.

How are profits calculated for mid-cycle withdrawals?

Profits are calculated pro-rata based on the actual participation period up to the valid redemption request date (T–7).

Does the fund align with international NAV/IRR standards?

Currently, transparency is achieved through direct cash flow payments. Standardized NAV/IRR reporting will be introduced as part of IPO preparations.

How does the fund achieve such high returns?

As an active trading fund managed by BeQ Holdings’ traders, returns are driven by proprietary index strategies and rigorous risk management.

Are long-term (12-month) investments more profitable than short-term?

Yes. Long-term investors benefit from a higher reference yield (~6.55% NAV/year) and reduced volatility compared to shorter cycles.

Can I lose my entire investment?

The 10% risk buffer and from January 2024, track record minimize the risk of total loss. No investor has lost capital to date.

What does NAV-based profit mean?

NAV (Net Asset Value) reflects the fund’s portfolio value. A 5.95% NAV/month yield refers to profits calculated on the managed capital, not a fixed rate.

Can I reinvest profits for compounding?

Yes. Many investors opt for compounding over 24+ months to maximize long-term growth.

What happens if the market crashes?

Profits may decrease, but the risk buffer and pro-rata distribution minimize losses. Returns are based on actual performance, not guarantees.

Can I expect 70% annual returns?

This figure reflects historical performance, not a guarantee. Investors should view it as a reference, not a promise.

Is the fund safer than a bank deposit?

The fund is not a bank and is not state-guaranteed. However, its From January 2024 track record and risk buffer provide a robust alternative.

Is the fund suitable for all investors?

It is designed for investors who understand investment risks and seek a proven model with high returns, exclusively for BeQ Holdings’ employees, shareholders, and trusted partners.

Will the fund expand globally?

Yes, as part of IPO preparations, the fund aims to scale internationally with diverse financial products on the wealthfarming.io platform.

If I invest $10,000, how much will I have after one year?

With compounding at a ~6% monthly reference yield, the investment could potentially double. However, this is based on historical data, not a guarantee.

Is there a penalty for urgent withdrawals?

Early withdrawals are not refunded outside the agreed cycle to ensure community stability.

Why is a 7-day notice required for withdrawals?

This ensures orderly liquidity management and transaction safety for the community.

Do investors receive contracts or certificates?

Yes. Investors receive a participation record, verified through the internal system.

Is the fund registered with regulatory authorities?

As an internal fund, it is not publicly registered. However, BeQ Holdings is preparing for IPO compliance with SEC, CSSF, and MAS regulations.

Why “reference yield” instead of “interest rate”?

The fund avoids promising fixed returns, providing historical performance data for transparency and aligning with international legal standards.

Do profits vary by investment size?

No. Reference yields are based on NAV, applied uniformly, with differences only in membership incentives.

How can I verify performance beyond claims?

From January 2024, payment history to existing investors, backed by transaction records, serves as tangible proof.

How will the fund reduce reliance on traders?

The long-term strategy includes AI-driven index systems and automated trading to minimize operational risks.

Wealth Farming Internal Trust Fund – Investor Handbook