The Credential Investor Profiles

The Credential Investment Research team has developed 6 Investor Profiles to match the requirements of investors. Each Investor Profile provides:

A recommended portfolio allocation that is optimized to provide the highest potential return for a specific level of risk
Portfolio profile characteristics, and
Suitable Recommended Asset Mixes investment options.

Safety

Portfolio Allocation	Characteristics	Investment Options
	Values safety Accepts no fluctuation in the value of the investment Low risk tolerance Investment timeframe The number of years until the money is going to be used for a specific planning objective. of less than 3 years	Term Deposits

Income

Portfolio Allocation

Characteristics

Investment Options

Values income more than growth
Accepts low fluctuation in the value of the investment
Low risk tolerance
Investment timeframe of 2 years or more

Ethical funds Recommended Asset Mixes
Credential Platinum List Funds Recommended Asset Mixes

Income Growth

Portfolio Allocation	Characteristics	Investment Options
	Values income more than growth Accepts low to moderate fluctuation in the value of the investment Low to medium risk tolerance Investment time frame of 3 years or more	Ethical funds Recommended Asset Mixes Credential Platinum List Funds Recommended Asset Mixes Credential Select Conservative Portfolio Ethical Advantage 2010

Balanced

Portfolio Allocation	Characteristics	Investment Options
	Seeks a balance of income and growth Accepts moderate fluctuation in the value of the investment Medium risk tolerance Investment timeframe of 5 years or more	Ethical funds Recommended Asset Mixes Credential Platinum List Funds Recommended Asset Mixes Credential Select Balanced Portfolio Ethical Advantage 2010, 2015

Growth

Portfolio Allocation	Characteristics	Investment Options
	Values growth more than income Accepts more than moderate fluctuation in the value of the investment Medium to high risk tolerance Investment timeframe of 5 years or more	Ethical funds Recommended Asset Mixes Credential Platinum List Funds Recommended Asset Mixes Credential Select Growth Portfolio Ethical Advantage 2015, 2020, 2030

High Growth

Portfolio Allocation	Characteristics	Investment Options
	Seeks long-term growth Accepts moderate to large fluctuation in the value of the investment Medium to high risk tolerance Investment timeframe of 8 years or more	Ethical funds Recommended Asset Mixes Credential Platinum List Funds Recommended Asset Mixes Credential Select High Growth Portfolio Ethical Advantage 2040