The primary value of the strategic asset allocation (SAA) models appears to be as an objective tool that can be used within a suite of financial planning products. Such a financial planning suite may include tools to determine:

  • attitude to risk assessment
  • risk mapping
  • strategic asset allocation
  • savings programme assessment
  • risk illustration tools

In our opinion the SAA models that we have reviewed will perform a satisfactory role in meeting the needs of investors though advisers should be aware of the possible limitations of the approach.

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