The portfolios rely on a sophisticated and robust optimization process to actively manage the strategies within target risk bands, keeping the allocation between equities and bonds flexible. This systematic investment approach ensures that the volatility in the market is always taken into consideration to determine the distribution of the portfolio between stocks and bonds, with the client’s risk profile determining the degree of adjustment. This distinguishes MeManaged from other online asset management products, which generally use a fixed allocation and therefore do not offer active management.