Defensive
Your main objective is capital growth but you have a cautious attitude to risk and wish to minimise the fluctuations in value.
Equities (UK and overseas): 15-40%
Property: 0-15%
Alternatives: 0-40%
Fixed interest/cash: 0-60%
as at February 2012
Income/Cautious
You need to generate a high level of income and/or you have a relatively cautious approach to risk. Your portfolio comprises between 40% and 70% in fixed interest, alternatives and cash, with the balance in real assets. These will predominantly be equities, but may include some property funds.
UK equities: 0-55%
Overseas equities: 0-25%
Property: 0-10%
Alternatives: 0-25%
Fixed interest/cash: 30-65%
as at February 2012
Cautious Balanced
You need to achieve a relatively high level of income, and/or to limit the overall risk on your portfolio, but are prepared to see a higher proportion invested in equities. This may include a limited exposure to overseas equities and property funds.
UK equities: 10-50%
Overseas equities: 0-40%
Property: 0-10%
Alternatives: 0-25%
Fixed interest/cash: 20-55%
as at February 2012
Balanced
You wish to achieve a balance between capital growth and income and you have a ‘medium’ approach to risk. Your portfolio has between 50% and 80% in equities. There may be an allocation to overseas equity markets and property funds.
UK equities: 20-50%
Overseas equities: 10-40%
Property: 0-10%
Alternatives: 0-25%
Fixed interest/cash: 20-35%
as at February 2012
Balanced Growth
Your main objective is capital growth and you are prepared to accept a relatively high level of volatility on our investments. Your portfolio is invested mainly in equities. There may be an allocation to overseas equity markets and property funds.
UK equities: 20-50%
Overseas equities: 10-50%
Property: 0-10%
Alternatives: 0-25%
Fixed interest/cash: 10-35%
as at February 2012
Growth
Your priority is capital growth and you accept a high level of volatility, with the aim of achieving higher long-term returns. Your portfolio will be invested in UK and overseas equities and may include some limited exposure to property and fixed interest, Smaller companies and emerging markets.
UK equities: 20-60%
Overseas equities: 20-60%
Property: 0-10%
Alternatives: 0-25%
Fixed interest/cash: 0-25%
as at February 2012
