With each of our three Lifecycle Strategies having a different risk profile there is likely to be one that reflects your circumstances, attitude to risk and length of time before retirement.

There are only two decisions to make:
1) which strategy is right for me? If you need assistance please try our risk profiler.
2) what target date do you want to receive the funds i.e. retirement age, contract completion date etc.?

As you move through your working career, the asset allocations will change on your birthday. In the early years you will be invested in assets that have the potential for higher return, but associated to your risk levels, and as you near your target date the assets will be invested in safer investments and by the time you reach your target date you will be in liquid low risk investments.

The Cautious Strategy

Suitable for investors who are seeking steady growth but are willing to forego possible higher returns for stable performance and less volatility. This could suit people who are conservative investors by nature or people who are close to retirement age.

Click here to view Cautious Strategy - Sample Asset Allocation

The Balanced Strategy

Suitable for investors seeking growth potential over a medium-term horizon. This could suite someone who is prepared to take some risk to allow potentially higher returns but who wants to balance this by including lower risk investments to provide steady return. It should be noted that the potential for superior growth is balanced by the increased risk of price fluctuations.

Click here to view Balanced Strategy - Sample Asset Allocation

The Dynamic Strategy

This Strategy will be attractive to investors seeking the potential of superior capital growth. They will be less concerned about the short-term volatility and expect to achieve higher returns over the medium to long term, based on the greater concentration on equities in this Strategy. If expectations are realised, they will meet their retirement objective in a shorter time. It should be noted that the potential for superior growth is balanced by the increased risk of price fluctuations.

CLick here to view Dynamic Strategy - Sample Asset Allocation