This model seeks to generate a return moderately higher than cash over the short term (1-3 years or more) while maintaining very low volatility and a high level of liquidity. Portfolios will comprise 100% non-equity investments, though weightings may deviate within set parameters, allowing our managers to react to market conditions.

 

Defensive
This model seeks to generate modest returns higher than cash in the bank over the short to medium term (3 to 5 years or more) with potential for consistent though constrained capital growth. Portfolios will typically comprise 10% equity and 90% non-equity - though weightings may deviate within set parameters, allowing our managers to react to market conditions.

 

Cautious
This model seeks to generate modest capital growth higher than bond based returns over the short to medium term (3 to 5 years or more) by employing a more cautious investment strategy. Portfolios will typically comprise 30% equity and 70% non-equity - though weightings may deviate within set parameters, allowing our managers to react to market conditions.

 

Balanced
This model seeks to generate capital growth over the medium term (5 years or more), with the aim of riding out short-term fluctuations in value. Portfolios will typically comprise 50% equity and 50% non-equity - though weightings may deviate within set parameters, allowing managers to react to market conditions.

 

Growth
This model seeks to generate higher capital growth over the medium to long term (5 to 7 years or more) by employing a more dynamic investment strategy. Portfolios will typically comprise 70% equity and 30% non-equity - though weightings may deviate within set parameters, allowing managers to react to market conditions.