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Effective asset allocation

The performance of different asset classes will naturally vary over time and, as each asset has its own unique characteristics, wider market conditions and world events will affect them differently.

Holding a diverse range of assets in line with your goals and risk tolerance will help minimise the impact of a single asset class on your portfolio and will help take advantage of opportunities across the market.

Getting the assets right

Things to consider if you are investing for the long haul

Investing in assets with a higher potential for growth but greater risk may be a good idea, thanks to the potential of long-term growth and compounding.

Things to consider if you are nearing your goals

As you get closer to your investment goals, it’s often a good idea to reduce the risk in your portfolio to mitigate against sudden market movements when you need your money the most.

More about the main asset classes


Explore more principles for good investing

Risk and return

Read more about balancing the chances of a loss with the benefits of a higher return over time.

Regular savings

Find out how a regular savings plan can help your money grow.

Our principles

Read more about making your money work harder for you.

The value of investments can go down as well as up, so you may get back less than you invest. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser