This solution is suitable for investors requiring stable income. By being diversified across  different income assets, the solution however has the potential to deliver a return higher  than normally associated with cash investments. Given the bias towards income assets,  the solution has a low likelihood of delivering short-term negative returns and the  recommended holding period for investors is at least 18 months or more.

This portfolio is suitable for investors seeking the long-term capital growth, without  the requirement to comply with Regulation 28 of the Pensions Fund Act. The  portfolio will invest only in growth assets, in  order  to deliver inflation beating  returns over the longer term. Given the maximum allocation to growth assets, the  portfolio could result to negative returns over the short to medium term and  therefore the recommended holding period for investors is at least 6 years.

This fund is suitable for investors requiring long-term capital growth, while  complying with Regulation 28 of the Pensions Fund Act. The fund will have a bias to  growth assets, in  order  to deliver inflation beating returns over the longer-term.  Given the bias to growth assets, the fund could result in negative returns over the  short to medium term and therefore the recommended holding period for investors  is at least 5 years.