You are here: Home > Investments > Investment Tools

Portfolio Model

Asset Allocation - in association with Morningstar

Asset allocation describes where you choose to invest your money.  For example, shares, property, cash or fixed interest. 

Where you invest your money will depend on a few things like: 
• The returns you want to make
• How long you want to invest for
• Your long-term earning potential

It's important to understand your investor profile.
If you're not sure which profile best describes you, why not take our What type of investor am I? questionnaire to help you decide.

Your profileIdeal Mix
Defensive
21% 8% 30% 1% 40%

Defensive

Your risk profile

-11.2%
             
19.2%
             
 
4.0%

This portfolio strives for an average output of 4.0%
The return fluctuates between -11.2% and 19.2%.



Asset class split

European (inc UK) Equity21%
North Amercian Equity5%
Asian Equity2%
Emerging Markets Equity1%
Fixed interest30%
Property1%
Cash40%
 100%

Close window
Conservative
35% 13% 49% 2% 1%

Conservative

Your risk profile

-18.8%
             
32.0%
             
 
6.6%

This portfolio strives for an average output of 6.6%
The return fluctuates between -18.8% and 32.0%.



Asset class split

European (inc UK) Equity35%
North Amercian Equity8%
Asian Equity3%
Emerging Markets Equity2%
Fixed interest49%
Property2%
Cash1%
 100%

Close window
Moderate
48% 19% 30% 3%

Moderate

Your risk profile

-20.9%
             
35.1%
             
 
7.1%

This portfolio strives for an average output of 7.1%
The return fluctuates between -20.9% and 35.1%.



Asset class split

European (inc UK) Equity48%
North Amercian Equity12%
Asian Equity4%
Emerging Markets Equity3%
Fixed interest30%
Property3%
Cash0%
 100%

Close window
Growth
59% 22% 15% 4%

Growth

Your risk profile

-23.2%
             
38.0%
             
 
7.4%

This portfolio strives for an average output of 7.4%
The return fluctuates between -23.2% and 38.0%.



Asset class split

European (inc UK) Equity59%
North Amercian Equity14%
Asian Equity5%
Emerging Markets Equity3%
Fixed interest15%
Property4%
Cash0%
 100%

Close window
High Growth
70% 25% 5%

High Growth

Your risk profile

-26.0%
             
41.6%
             
 
7.8%

This portfolio strives for an average output of 7.8%
The return fluctuates between -26.0% and 41.6%.



Asset class split

European (inc UK) Equity70%
North Amercian Equity16%
Asian Equity5%
Emerging Markets Equity4%
Fixed interest0%
Property5%
Cash0%
 100%

Close window
 
European Equity(inc UK) Non Euro Equity Fixed Interest Property Cash

Morningstar Market Commentary

Click here for Morningstar's latest market commentary on the asset allocations above.
Commentaries are provided bi-monthly. Last updated August 2009.



© 2008 Morningstar. All Rights Reserved. The information, data, analyses and opinions (“Information”) contained herein (1) include Morningstar’s confidential and proprietary information (2) may not be copied or redistributed, (3) do not constitute investment advice (4) are provided solely for informational purposes (5) are not warranted to be complete, accurate or timely and (6) are drawn from fund data published on various dates. The information is provided for Financial Advisers only. The information is provided to you at your own risk. Morningstar is not responsible for any trading decisions, damages or other losses related to the Information or its use. Please verify all of the Information before using it and don’t make any investment decision except upon the advice of a professional financial adviser. Past performance is no guarantee of future results. The value and income derived from investments can go up or down.