Multi-assets: The risk reduction benefits of diversification

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Editions

1. Multi-Asset solutions
2. Global Target Income
3. Patrimonial Expertise
4. Life-Cycle

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Life-Cycle

Portfolio allocation optimization reflecting the changing risk tolerance

Why a Life-Cycle strategy

Individuals typically hold sub-optimal portfolios

Households

…Rarely rebalance their personal retirement portfolios
…Investment decisions are subject to behavioral biases
…Don’t have the skills to optimally manage their pension savings

Pension plans

…Often reflect the needs for the average participant
…Static allocation
…Insufficient focus on real capital appreciation

DPAM’s Life-Cycle solution philosophy

The life-cycle portfolio is a solution to optimize diversification

The portfolio allocation changes over time based on the number of years before retirement to reflect the changing risk profile as the saver ages

The portfolio allocation is adjusted to reflect the changing risk tolerances

Why DPAM’s Life-Cycle solution?

A unique combination of risk base (via diversification), age based (gradual de-risking as one ages, time based (regular contribution) diversification

The average return is expected to be higher than the traditional fixed allocation solutions

A less uncertain outcome at the retirement date allows a reduced probability of shortage at the retirement date

Experienced Quant Solutions team

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