Risk-based portfolio
Moderately Conservative
A Fixed-Income-Led Blend for Capital Preservation with Modest Growth
01
Overview
Strategy
This tier keeps fixed income as the dominant allocation while beginning to introduce the diversification that defines the rest of the range — a touch of international developed markets and a growth-oriented equity sleeve alongside the portfolio's conservative core. The result still leads with capital preservation, but with more room to participate in market growth than the Conservative tier offers, and just enough shift in credit quality to keep income competitive.
02
Composition
03
Key considerations
01 Credit Risk
Moderate - A small increase in lower-investment-grade and private credit exposure versus Conservative, taken on in exchange for higher income.
02 International Exposure
Low - A modest allocation to international developed markets is introduced for the first time, adding a small amount of currency and market exposure not present in Conservative.
03 Growth Exposure
Low - A small allocation to growth-oriented equity is introduced alongside the portfolio's income-oriented core.
Investors should consider the strategy’s investment objectives, risks, and fees before investing. All investments involve risk, including possible loss of principal. Target asset class weights are subject to change over time based on market conditions and portfolio management discretion. Past performance is not indicative of future results. This information is for informational and illustrative purposes only and is not investment advice, a solicitation, or an offer to buy or sell any security.
Ask us for the fact sheet.
