The objective of the Sub-fund is to seek a combination of capital growth and income. This will be achieved whilst aiming to maintain the Sub-fund's risk rating classification as set by an independent asset allocator. The Sub-fund will be actively managed on a low risk strategy and assets may be allocated to any geographical sector through gaining exposure to a range of asset classes by investing at least 70% in collective investment schemes. The asset class exposure is likely to have a higher percentage invested in lower- and medium-risk investments such as cash, bonds and property, with lower exposure to higher-risk investments such as shares in companies, usually below 35%.