Reference 01 / Hypothetical
Balanced reference
A transparent starting mix
Public equitiesBondsCashIlliquid assets
- Cash allocation
- 10%
- Illiquid allocation
- 10%
Market exposure can dominate the spending plan.
Model Library
Reference portfolio models
Four deliberately simple starting allocations make the differences in purpose, liquidity and market exposure visible.
These are educational templates with assumed weights. They are not backtested strategies, optimised recommendations or proprietary provider models.
Reference 02 / Hypothetical
Liquidity first
Protect near-term obligations
Public equitiesBondsCashIlliquid assets
- Cash allocation
- 25%
- Illiquid allocation
- 10%
A larger reserve changes the long-term growth budget.
Reference 03 / Hypothetical
Long horizon
Explore a larger illiquid budget
Public equitiesBondsCashIlliquid assets
- Cash allocation
- 5%
- Illiquid allocation
- 25%
Commitments and valuations can complicate rebalancing.
Reference 04 / Hypothetical
Capital preservation
Reduce illustrative equity sensitivity
Public equitiesBondsCashIlliquid assets
- Cash allocation
- 30%
- Illiquid allocation
- 5%
Inflation and bond duration still matter.