ConservativeModerately conservativeBalancedGrowthHigh growth

Conservative

As a CONSERVATIVE investor you have a high concern for security, but are prepared to accept a small amount of investment risk to gain a reasonable medium term return. The strategic priority is preservation of capital over the medium and long terms.

A conservative portfolio looks to invest around 20% in growth assets (shares and property) and the balance in cash and fixed interest securities. The figure of 20% is a general benchmark; actual allocations over time will vary around this as investment conditions change and Investment Managers take opportunities to improve yields.

This type of portfolio would be expected to have low fluctuations in short-term value and generate income with some tax benefits. It is suitable for investors with a short time frame.

However it is important to note that the value of your capital can move up and down over time, particularly in shorter time spans. Hence these investments should be considered to be medium term with a minimum time frame of 2 years. As a guide you could expect a negative return (on average) once in every 13 years.

Moderately conservative

As a MODERATELY CONSERVATIVE investor you seek an income, together with a capital growth component, to protect your investments from inflation and tax. You do not see the need to take high levels of risk, however short term fluctuation is acceptable. The strategic priority is a balance between medium and longer-term capital growth, and current income to smooth overall returns.

A moderately conservative portfolio looks to invest around 50% in growth assets (shares and property) and the balance in cash and fixed interest securities. The figure of 50% is a general benchmark; actual allocations over time will vary around this as investment conditions change and Investment Managers take opportunities to improve yields.

This type of portfolio would be expected to generate a good return above inflation and have reasonable wealth accumulation potential over the medium to longer term.

However it is important to note that the value of your capital can move up and down over time, particularly in shorter time spans. Hence these investments should be considered to be medium term with a minimum time frame of 3 years. As a guide you could expect a negative return (on average) once in every 8 years.

A conservative portfolio looks to invest around 20% in growth assets (shares and property) and the balance in cash and fixed interest securities. The figure of 20% is a general benchmark; actual allocations over time will vary around this as investment conditions change and Investment Managers take opportunities to improve yields.

This type of portfolio would be expected to have low fluctuations in short-term value and generate income with some tax benefits. It is suitable for investors with a short time frame.

However it is important to note that the value of your capital can move up and down over time, particularly in shorter time spans. Hence these investments should be considered to be medium term with a minimum time frame of 2 years. As a guide you could expect a negative return (on average) once in every 13 years.

Balanced

As a BALANCED investor you seek a significant growth component in investment returns, to protect capital from inflation and tax. You are cautious towards taking high levels of risk, however some short term risk is acceptable. The strategic priority is consistent capital growth with some income to smooth returns.

A balanced portfolio looks to invest around 70% in growth assets (shares and property) and the balance in cash and fixed interest securities. The figure of 70% is a general benchmark; actual allocations over time will vary around this as investment conditions change and Investment Managers take opportunities to improve yields.

This type of portfolio would be expected to generate a good return above inflation and have strong wealth accumulation potential over the longer term.

However it is important to note that the value of your capital can move up and down over time, particularly in shorter time spans. Hence these investments should be considered to be long term with a minimum time frame of 4 years. As a guide you could expect a negative return (on average) once in every 7 years

Growth

As a GROWTH investor you seek to maximise long term capital growth, although you do not make unbalanced investment decisions. You tend to waive short-term safety in order to maximise long-term (over 5 years) capital growth.

A growth portfolio looks to invest around 85% in growth assets (shares and property) and the balance in cash and fixed interest securities. The figure of 85% is a general benchmark; actual allocations over time will vary around this as investment conditions change and Investment Managers take opportunities to improve yields.

This type of portfolio would be expected to generate a significant return above inflation and have quite strong wealth accumulation potential over the longer term.

However it is important to note that the value of your capital can move up and down over time, particularly in shorter time spans. Hence these investments should be considered to be long term with a minimum time frame of 5 years. As a guide you could expect a negative return (on average) once in every 6 years.

High growth

As a HIGH GROWTH investor you seek to maximise long term capital growth. You can sacrifice short-term safety in pursuit of the highest long-term (over 5 years) capital growth.

A high growth portfolio looks to invest up to 100% in growth assets (shares and property) with any residual balances in cash and fixed interest securities.

This type of portfolio would be expected to generate minimal income, the highest return above inflation, and to have very strong wealth accumulation potential over the long term.

However it is important to note that the value of your capital can move up and down over time, particularly in shorter time spans. Hence these investments should be considered to be long term with a minimum time frame of 6 years. As a guide you could expect a negative return (on average) once in every 5 years.