Every portfolio is individually tailored and all are diversified across the main asset classes. We build and manage portfolios which range from the “Defensive” risk-avoiding to those where the predominant allocations are to growth-oriented investments.
These are designed for clients whose preferences and/or circumstances dictate a steady approach. A Defensive or Conservative portfolio will have larger proportions allocated to lower risk investments with an income stream. There will be a low or even minimal exposure to higher risk/return investments. Large swings in return from year to year, either up or down, will be less likely for Defensive and Conservative portfolios.
Clients with more appetite or capacity for investment risk are suited to these growth-oriented mixes. The time frame for use of the money could be long or very long, perhaps 10-20 years or more, and there is either no requirement for any drawings or a minimal requirement in relation to the amount of money invested. There will be larger upward and downward movements in the return each year. Over medium to long time frames, at least 10 years, returns from growth and aggressive portfolios will be higher than for defensive and conservative portfolios.
These sit in the middle position in terms of risk and return.
Asset Allocations can be changed to suit changing circumstances and are subject to regular reviews. The design of each type of portfolio may also change according to economic and market conditions.
If you want truly impartial advice, contact us to find out how to put your money to work to fund your important goals.
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