At PAM we understand that each investment situation is unique and therefore requires a personal approach and individual strategy. With this in mind, we have the following investor types, each has varying levels of associated risk. The level of risk is assessed based on asset selection and past returns.
Defensive Investor - you want risk to be very low and you are prepared to accept lower returns to protect capital. The negative effects of tax and inflation will not concern you, provided your initial investment is protected. Please click here for a more detailed page regarding PAM's Defensive Investor category and past returns.
Moderate Investor - you are seeking better than basic returns, with low risk over a moderate time frame. You are willing to accept modest exposure to less aggressive growth investments to achieve a higher return than the conservative portfolio and cash. Please click here for a more detailed page regarding PAM's Moderate Investor category and past returns.
Balanced Investor - you want a balanced portfolio of diversified investments to meet medium to long-term financial goals. You require a strategy that will cope with the effects of tax and inflation. Calculated risks are acceptable to achieve greater returns. Please click here for a more detailed page regarding PAM's Balanced Investor category and past returns.
Growth Investor - you want to invest funds for capital growth over the medium to long term through a diversified portfolio. You are willing to accept more aggressive/growth investments with higher volatility (and the potential for capital loss in the short term). Please click here for a more detailed page regarding PAM's Growth Investor category and past returns.
High Growth Investor - you are prepared to compromise portfolio balance to pursue potentially higher long-term gains. Your investment choices are diverse but carry with them a higher level of risk. Security of capital is secondary to the potential for wealth creation. Your minimum investment term should be no less than 7 years. Please click here for a more detailed page regarding PAM's High Growth Investor category and past returns.
ACTUAL ANNUAL RETURNS OVER THE LAST FOUR YEARS
(To 30th Oct 2006) BY RISK PROFILE
| |
1 YEAR |
2 YEARS |
3 YEARS |
4 YEARS |
5 YEARS |
| DEFENSIVE |
10.4% |
9.45% |
9.4% |
8.2% |
7.8% |
| MODERATE |
14.4% |
12.7% |
12.6% |
11.8% |
9.7% |
| BALANCED |
17.8% |
15.4% |
14.8% |
14.1% |
11.6% |
| GROWTH |
21.2% |
17.0% |
15.9% |
14.6% |
11.9% |
| HIGH GROWTH |
19.7% |
17.8% |
17.9% |
18.5% |
15.1% |
All returns are net of fees and charges (i.e. Asgard, Fund Managers and Advisor Fees). There are no ongoing costs charged over and above what is charged by Asgard for switching/withdrawals etc.
Disclaimer: Past performance is no guarantee of future returns.
