Creating an ‘asset allocation’ in line

with your risk profile score.

‘Asset allocation’ involves getting the balance of assets in your portfolio right. The funds available for you to invest in are categorised under different asset classes depending on their particular focus. These asset classes include cash or money market investments, UK fixed interest, international fixed interest, property, UK equity and international equity.

Different types of assets have different performance characteristics, so our aim is to allocate the right mixture of funds to your portfolio so that, over time, the peaks and troughs of their performance balance each other out in a way that is optimised for your particular risk profile and your expectations for growth.

Asset allocation is based on long-established and well-proven mathematical principles. We rely for this part of the investment process on Towers Watson, a leading firm of Actuarial Consultants. With 40% of FTSE 100 companies’ pension schemes as their clients, Towers Watson has significant experience in providing such information.

We should point out, however, that even with this level of expertise behind us, we still can’t guarantee the volatility range of a particular asset allocation will not be breached occasionally. There is always the possibility of exceptional market conditions due to unanticipated external events.

The Financial Services Authority does not regulate trust or tax advice.

Investments and the income from them may fall as well as rise in value.

You may get back less than you invested.

DTE Risk & Financial Management Limited is Authorised and regulated by the Financial Services Authority

Registered office: DTE House, Hollins Mount, Bury BL9 8AT  Company number 01967512 (England)