Regular Savings Portfolio

Regular Saving Investment Portfolios

Example Asset Allocations

Growth Portfolio

Has primarily equities or similar higher risk investments, weighted toward aggressive growth, small cap equity and emerging markets as well as global commodity markets. A high growth portfolio may be suitable for you if you:

Have high return expectations for your investments Can tolerate higher degrees of fluctuation (sharp, short-term volatility) in the value of your investments Are a more experienced investor and a risk taker Desire returns that exceed inflation Have 10 years or more before you will need to utilise the funds

Balanced Portfolio

Has exposure to equities, property or similar higher risk investments focused on growth, while also offering alternative asset classes to diversify away some risk. A balanced portfolio may be suitable for you if you:

Have moderately high return expectations for your investments Can tolerate market downturns and volatility for the possibility of achieving greater long-term gains Are an experienced equity investor Have 5 years or more before you will need to utilise the funds

Cautious Portfolio

A cautious portfolio has only 30% invested in growth assets like equities and property. 70% is allocated to lower risk, fixed interest/bond investments and cash. A cautious portfolio may be suitable for you if you:

Need income to supplement your cash flow Are unwilling or unable to accept risk volatility Are a cautious investor Are more concerned about current income than outpacing inflation Have 3 or fewer years before you will need to utilise the funds