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Retirement Fund Current Model Portfolios

"Risk Reduction Level 1" Model Portfolio
(effective 13 March 2026)
Systematic/Ongoing "Future Contributions" Model
The Systematic/Ongoing "future contributions" model (smaller ongoing monthly contributions invested into retirement accounts) is not typically adjusted as market conditions change.  This allows investors to take advantage of "dollar cost averaging" by way of purchasing increased units per unit-price in a given fund over the decline phase of a complete market cycle.

Two tables are provided:
  • One table for "Generic" ongoing contributions for those investing in portfolios outside the Emirates Group Provident Scheme (EGPS).
  • One table for those using the EGPS. The EGPS model fund allocations are reviewed quarterly to ensure the fund selections remain relevant.
Generic Portfolio Model
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Emirates Group Provident Scheme (EGPS) Portfolio Model
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Current Assets Portfolio Model

The Current Assets Portfolio model (current holdings within portfolio accounts) is adjusted as market conditions change as indicated by our quantitative 5-Factor model. There are 3 portfolios aligned in accordance with current market conditions:
  • Full Risk Model Portfolio (100% equity holdings as per the respective financial Risk Tolerance group)
  • Risk Reduction Level 1 Model Portfolio (50% equity holdings reduction from full risk model holdings)
  • Risk Reduction Level 2 Model Portfolio (75% equity holdings reduction from full risk model holdings)

Two tables are provided:
  • One table for "Generic" ongoing contributions for those investing in portfolios outside the Emirates Group Provident Scheme (EGPS).
  • One table for those using the EGPS. The EGPS model fund allocations are reviewed quarterly to ensure the fund selections remain relevant.
Model allocation percentage targets are linear representations of risk reduction. They represent the appropriate equity/bond/cash exposure according to the ECAM Risk Groups and 5-factor model risk assessment outputs and are only designed to act as an allocation model. They are not specific targets that must be met/maintained with precision and should be used as a guide. It is perfectly acceptable to round off allocations (either up or down) as a subscriber feels might be appropriate.
Generic Portfolio Model
(Risk Reduction Level 1)
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Emirates Group Provident Scheme (EGPS) Portfolio Model
(Risk Reduction Level 1)
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