|
0-10 |
0% Growth Assets |
Protection of capital and/or certainty of income is your only objective. You do not wish to attain higher returns if your capital is at risk. This portfolio only has ‘Cash’ assets. Cash assets are income focused, normally linked to interest rates, and historically have rewarded the investor with no down-side volatility; albeit with relatively low medium to long-term returns.
Minimum suggested timeframe is 1 year. |
|
11 - 17 |
30% Growth Assets |
Definite need for a very secure income. Little fluctuations in capital value.
Will not accept much downside risk.
Minimum suggested timeframe is 3 years. |
|
18 - 26 |
50% Growth Assets |
Requires a stable income. Can withdraw capital to supplement income if necessary.
Expect small fluctuations in income to gain modest capital growth.
Requires minimisation of downside risk.
Minimum suggested timeframe is 5 years. |
|
27 - 32 |
70% Growth Assets |
Desires a reasonably stable income stream, but also desires a steady growth in capital value.
Prepared for fluctuations to achieve reasonable capital growth over the medium term.
Sufficient capital available to draw down to supplement income needs.
Minimum suggested timeframe is 7 years. |
|
33 - 36 |
85% Growth Assets |
Little or no need for an ongoing current income from investments.
Investment focus is on achieving capital growth with no need to access capital in the medium term.
Prepared to accept fluctuations in capital value to achieve longer term wealth accumulation.
Minimum suggested timeframe is 8.5 years. |
|
37 - 40 |
100% Growth Assets |
No ongoing income needed from investments.
Investment focus is on high levels of capital growth with no need to access capital for the long term.
Prepared to accept wide fluctuations in capital value and may be prepared to invest additional sums during downsize periods.
Minimum suggested timeframe is 10 years. |
