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Conservative investment style

Education HUB article

3 minute read

What is a conservative investment style?

A conservative, or defensive, investment style is a low-risk investment strategy. This style aims to achieve capital security, provide income, and protect the capital invested.

To invest in this style, you will likely have a low tolerance for losses and risks and are investing for the short-term.

Generally, conservative investments are well-suited to cash, bonds, and fixed interest investments.

Suitable to help achieve financial goals such as:

  • Saving for travel
  • Buying a car
  • Paying for a wedding
  • Deposit on a house
  • Build an emergency fund

Timeframe

Designed for investors with an investment timeframe of up to three years.

Asset allocation

Typically, the asset allocation for a conservative portfolio would consist of 80% defensive assets (cash, bonds, fixed interest) and 20% growth assets (infrastructure, listed property, shares).

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Things you should know

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