Criteria

Capital
Preservation
Portfolio

Balanced
Portfolio

Shari'ah Compliant
Balanced Portfolio 

Risk Profile

Low volatility and low expected investment returns over the long term

High volatility and high expected investment returns over the long term

Medium to high volatility and expected investment returns over the long term

Deals with

Final Payment Risk

Inflation Risk

Inflation Risk, and somewhat more conservative than the Balanced Portfolio

Suited for members

Who are prepared to accept lower returns in exchange for less volatility in returns; and/or

Who intend withdrawing a significant portion of their Accumulated Retirement Savings  in cash within the next few years; and/or

Who are nearing retirement 

Who are prepared to accept the risk of negative returns in the short term in exchange for potentially higher returns over the long term; and/or

Who do not intend withdrawing a significant portion of their Accumulated Retirement Savings in cash within the next few years; and/or

Who are still a number of years away from retirement

Who want to comply with Shari'ah law or want to avoid investment in certain assets such as alcohol and tobacco; and/or

Who are prepared to accept the risk of negative returns in the short term in exchange for potentially higher returns over the long term; and/or

Who are prepared to accept a lower targeted return than if they were invested in the Balanced Portfolio