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Risk profile

Target asset allocation, concentration limits, and current drift.

Last reviewed: 12 Jan 2026 · Next review: 12 Jan 2027
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Family officeDaniel WhitfordWhitford Family Trust

Risk tolerance

Conservative

Policy stance on file

Max concentration

5%

per single instrument

Liquidity floor

S$20MS$*****

Breaches

5

5 above 5pp drift

Allocation drift

  1. CashBreach
    Target 12% · Actual 0% · Δ -12.0pp
  2. Structured productBreach
    Target 0% · Actual 10% · Δ +10.0pp

Recommendations

Your current allocation has 5 asset classes outside the conservative policy band (±5pp). Consider rebalancing:

  • Cash12.0pp underweight — accumulate
  • Structured product10.0pp overweight — trim
  • Equity8.1pp overweight — trim
  • Fixed income7.9pp overweight — trim
  • Alternative6.0pp underweight — accumulate
Equity
Breach
Target 22% · Actual 30.1% · Δ +8.1pp
  • Fixed incomeBreach
    Target 38% · Actual 45.9% · Δ +7.9pp
  • AlternativeBreach
    Target 6% · Actual 0% · Δ -6.0pp
  • Private equityAttention
    Target 10% · Actual 5.6% · Δ -4.4pp
  • Real estateAttention
    Target 4% · Actual 0% · Δ -4.0pp
  • DerivativeAligned
    Target 0% · Actual 0.5% · Δ +0.5pp
  • Hedge fundAligned
    Target 8% · Actual 7.9% · Δ -0.1pp