Your strategic asset allocation represents the optimal combination of equities, fixed income and guaranteed investments. Choosing the right asset allocation represents one of the most important steps in of financial planning for your retirement and is the basis on which to build your investment mix.

Refer to the strategic assets allocation models to find the asset allocation that corresponds to both your Personal Investor Profile and your Investment Time Horizon. It is recommended that you use the suggested rate of return as a guide in the Retirement Calculator.

	Research has shown that over 90% of the variation in a portfolio's return can be accounted for by the choice of asset allocation*

*Financial Analysts Journal January/February 2000 edition.