1 The Strategic Asset Allocation which was constructed for AIA by Marsh (and reviewed on an annual basis) as is based on the expected distribution of returns and assumes a normal distribution with the standard deviation of the statistical distribution of returns generated based on Marsh's 10- year Capital Market Assumptions ("CMAs"). Marsh recommended investment strategy is a set of suggested allocations to asset classes that is generated using Marsh 10-year CMAs. All risks and returns projections in this section are statistical in nature, using Marsh CMAs for the underlying asset classes allocated in this strategy, without considering investment cost. Investors, implementing this strategy using appropriate Investment Linked Life Insurance Policies (ILPs) products as indicated above, are subjected to associated investment costs, and may or may not experience risks and returns as projected by Marsh, which have been derived using Marsh's CMAs. Actual return and risks experienced by investors is dependent on the combined performances of these allocated ILP Funds. Marsh is not intended to convey any guarantees as to the future performance of the investment products, asset classes or capital markets discussed. Past performance does not guarantee future results.
Disclaimer with regard to Marsh: Marsh advises AIA on the strategic asset allocation for the AIA Guided Portfolios. Investors of these portfolios are clients of AIA, not Marsh. References to Marsh shall be construed to include Marsh LLC and/or its associated companies, and include Marsh Investment Solutions (Singapore) Pte. Ltd. which provides AIA with certain non-discretionary investment consulting services.
