Existing Portfolio

Existing Portfolio

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Desired Portfolio

There is no sure-fire formula for constructing a desired portfolio. A suitable portfolio comprises
various asset classes (i.e. stocks, bonds, cash ). There are four simple criteria to construct a
diversified portfolio composed of stocks, bonds, and cash :

Your investment goals
Your risk tolerance
Your time horizon
Your personal circumstances

Determination of the Desired Portfolio is then made on the basis of the age of the investor.

For those in the EARLY WORKING YEARS - 25-40 YEARS: AGGRESSIVE PLAN

For those in the LATER WORKING YEARS - 40-50 YEARS: MODERATE PLAN

For those in the PRE AND POST-RETIREMENT YEARS - 50-70 YEARS: CONSERVATIVE PLAN

Aggressive Plan

Equity	Cash	Bonds
70%	15%	15%

Moderate Plan

Equity	Cash	Bonds
35%	10%	55%

Conservative Plan

Equity	Cash	Bonds
15%	15%	70%

The above plans are only indicative.