– Invests across equity (growth), debt (stability/income) and alternatives (e.g. gold for inflation hedge)

– Balances risk & return in one product

– Diversification: lowers volatility via uncorrelated assets

– Opportunity for growth in the long-term

– Risk management: autorebalancing locks in gains and limits drawdowns

– Market risk: equity portion susceptible to downturns

– Interestrate risk: debt values fall when rates rise

– Commodity risk: gold/allocation volatility

– Manager risk: poor tactical calls can hurt performance

– Credit risk: default potential in debt holdings

– Moderaterisk investors seeking growth with downside protection

– Busy professionals wanting a onestop solution

– Retirees needing income potential plus growth