Suitable for investors willing to accept a higher level of risk on their investments in return for potentially, higher returns in the longer run. Investors in this strategy are willing to accept what might be significant short-term fluctuations in the value of their investments as a result. They would feel comfortable if their investments fell in value more than 6 months in any one year and might well see this as an ideal time to invest more. This strategy will maintain a higher exposure to more volatile investments, including equities and commodities.

Suitable for investors who are seeking longer-term growth potential with at least a medium-term time horizon and who are prepared to accept a moderate level of volatility of returns as the price for potential growth. This strategy is designed to balance risk and reward and is appropriate for investors looking for higher returns than those available from a high street over a five year period account and willing to accept a certain amount of fluctuation in the value of their investments as a result. Investors in this strategy would feel uncomfortable if their investments were to fall significantly in value in any one year. This strategy will maintain a broad spread of assets, but with a greater emphasis on equities.

Suitable for investors who are cautious by nature or close to retirement and who seek steady growth but are willing to forego possible higher returns for steady performance and less volatility. Returns from this strategy should be slightly better than those available from a high street deposit account over a 5 year period, although the value of the investment could fall as well as rise. Investors in this strategy would feel uncomfortable if their investments rose and fell in value rapidly. This strategy will maintain a broad spread of investments, including higher exposure to less volatile asset classes such as money market funds, government bonds and absolute return strategies to help guard against significant falls in equity markets.

Suitable for investors who are conservative by nature or close to retirement and who seek steady growth but are willing to forego possible higher returns for steady performance and less volatility. Returns from this strategy should be better than those available from a high street deposit account over a 5 year period, although the value of the investment could fall as well as rise. Investors in this strategy would feel uncomfortable if their investments fell significantly in value in any one year. This strategy will maintain a broad spread of investments, including higher exposure to less volatile asset classes such as fixed income and absolute return strategies to help guard against significant falls in equity markets

Suitable for investors who are taking income, and who seek stable yield and distributions from their portfolio but would prefer or need their portfolio to maintain some growth potential. Investors accept though, that will be greater volatility in returns for that growth. Returns from this strategy should be better than those available from a high street deposit account over a 5 year period, although the value of the investment could fall as well as rise. Investors in this strategy would feel uncomfortable if their investments rose and fell to an extent which mirrors global equities. This strategy will maintain a spread of income-generating investments, including exposure to less volatile asset classes such as government and index-linked bonds, global corporate bonds, however, will also keep exposure to higher yielding global equities which offer some growth potential beyond their dividend income.

Suitable for investors who are taking income or close to retirement and who seek stable yield and distributions from their portfolio but are willing to forego possible higher returns in interests of preserving capital and less volatility. Returns from this strategy should be slightly better than those available from a high street deposit account over a 5 year period, although the value of the investment could fall as well as rise. Investors in this strategy would feel uncomfortable if their investments rose and fell in value rapidly. This strategy will maintain a broad spread of income-generating investments, including higher exposure to less volatile asset classes such as money market funds, government and index-linked bonds, convertibles, assetbased securities, commercial property etc, to help guard against significant falls in financial markets.

Suitable for investors who are taking income or close to retirement and who seek stable yield and distributions from their portfolio but are willing to forego possible higher returns in interests of preserving capital and less volatility. Returns from this strategy should be slightly better than those available from a high street deposit account over a 5 year period, although the value of the investment could fall as well as rise. Investors in this strategy would feel uncomfortable if their investments rose and fell in value rapidly. This strategy will maintain a broad spread of income-generating investments, including higher exposure to less volatile asset classes such as money market funds, government and index-linked bonds, convertibles, assetbased securities, commercial property etc, to help guard against significant falls in financial markets.