Investment Process

1. Strategic asset allocation

This process helps us build the most efficient long-termasset allocation mix that we expect to generate the highest returns for each level of risk. We seek to create the most efficient mix of assets that will help deliver the best possible return for each risk level. In doing so, we work closely with Moody's Analytics, world-leading experts in risk modelling solutions. This process helps us build the most efficient long-term asset allocation mix that we expect to generate the highest returns for each level of risk.

2. Fund selection and portfolio construction

Choosing the right funds to fill the asset class buckets and optimally blending those funds. Next, we select the best blend of individual funds that go into each MyPortfolio solution. In doing so, we narrow down the available fund range to find funds that we believe have the best return potential while meeting our strict selection criteria. We then assess each fund to identify the potential for delivering the best risk adjusted returns.

3. Rebalancing and review

The final step in our process is to ensure the MyPortfolio range continues to deliver the right risk and return outcomes for investors. To achieve this, we regularly rebalance all portfolios and review them to ensure they are meeting the right risk and return outcomes for investors. This involves checking that each portfolio has the optimal mix of assets for its risk level and remains aligned to client needs. We make any necessary changes as quickly and cost-efficiently as possible.

We also operate a comprehensive investment risk and governance process to audit decision making, ensuring the investment team adhere to the MyPortfolio investment guidelines and deliver risk and return in line with expectations.

Investment-process

Warning
Risk warning - Before investing, investors should consider carefully the investment objective, risks, charges, and expenses of a fund. This and other important information is contained in the prospectus and KIID document. The information is intended to be of general interest only and should not be considered as an offer, investment recommendation or solicitation, to deal in the shares of any securities or financial instruments.