Stable Income - capital preservation with stable payouts:
The Stable Income portfolio invests in 100% fixed income to provide capital preservation, mostly in higher quality and broadly diversified fixed income products. It is designed to prevent the distribution payout from eating into the capital of your long term savings and maintain stable, long term expected payouts of 5~6% p.a., with limited or no capital appreciation. It is suitable for those nearing or in retirement or those that require a regular and stable passive income stream from their pot of savings.
Higher Income - sustained, higher cash inflow:
The Higher Income portfolio invests in 80% fixed income and 20% equity. The portfolio is predominantly allocated to fixed income, with a skew towards higher risk and higher yielding fixed income products to increase the current expected payouts to 5.5~6.5% p.a. The portfolio also has a 20% allocation to dividend paying equities funds to continue to build wealth with some moderate capital appreciation and increase future payouts. It is suitable for individuals who can stomach a slightly higher risk threshold, such as working adults who have high monthly spending needs for their children and parents.
Future Income - laying a foundation for the future:
The Future Income portfolio invests in 60% fixed income and 40% equity, and has a current expected payout of 3.5-4.5% p.a. . It has exposure to broadly diversified and higher yielding (higher risk) fixed income funds, and a mix of dividend paying and accumulating equity funds to grow the invested capital over the long term.It is suitable for the younger generation in their late 20s and 30s, who would like some regular income that can contribute to their monthly spending habits, but also grow their pot of savings and wealth over time so they can achieve a higher amount of future payouts.