Diversifying your investments is the golden rule for reducing risk. Your portfolio benefits from three levels of diversification through “multi-asset, multi-style, multi-manager” approach:

• Multi-asset: First, we diversify your portfolio by asset class – between equities, fixed income and cash – to help achieve your specific long-term investment objectives while managing risk.
• Multi-style: Next, we diversify your portfolio by investment style, carefully combining portfolio managers who specialize in different investment styles, such as growth and value.
• Multi-manager: Finally, we diversify your portfolio by investment manager, mitigating the risks associated with investing with a single asset manager.

This multi-layered diversification approach reduces concentration risk while creating flexibility for tax-efficient portfolio adjustments as your circumstances and markets evolve.