Why can’t I change the way my money is split across my portfolio?

We recommend splitting your money across your portfolio a certain way so you take on an amount of risk that makes sense for you. This is called “asset allocation,” and the general idea behind it is that some asset classes are more risky than others, which determines how you may need to split your money across them.

For example: If we learn from your questionnaire that you are risk-averse, we may recommend investing in a lower-risk portfolio with a greater weight in a bond ETF because bonds tend to be less risky than stocks and seek to produce income.