Points Strategy Asset Class Mix:
0–9 Income with Limited Growth: 80% Fixed Income, 20% Equity
10–19 Income with Moderate Growth: 60% Fixed Income, 40% Equity
20–49 Growth and Income: 40% Fixed Income, 60% Equity
50–69 Primarily Growth*: 20% Fixed Income, 80% Equity
70+ Growth: 98% Equity, 2% Cash
Given your specific circumstances, if you believe that any of these strategies will be more suitable than the diversified strategy specified by the worksheet, your advisor will discuss the alternatives and make an appropriate recommendation.
* If your score points you to the Primarily Growth strategy, consider investing in the Growth strategy if the amount that you are investing for this goal represents the only aggressive portion of your total portfolio and if you already own more conservative investments—such as fixed income and short-term securities—that can provide a balance to the short-term fluctuations of stocks.