The Retirement Portfolio is a single investment solution which employs a ‘glidepath’ strategy.
The investment team considers current market conditions in managing the portfolio. Additionally for the Retirement Portfolio, your portfolio allocation will shift based on your own timeline to retirement.
When you are further out from retirement, the portfolio allocation is geared towards higher risk assets such as equities to help you accumulate and grow your wealth over years to retirement. The longer time horizon to retirement would also allow for your portfolio to ride out ups and downs of markets.
Over the years and as you move closer to retirement, risk is gradually dialled back by reducing allocation in higher risk assets and increasing allocation to fixed income funds, building a more conservative and stable portfolio to ease into your retirement years.