| Profile | Vol. Band | Investment Horizon | Min Suitability Score | Max Equity | Max Alternatives | Max Illiquid |
|---|---|---|---|---|---|---|
| L1Low | 3–7 % | 3–5 y | 20 / 100 | 40 % | 10 % | 5 % |
| M2Medium | 7–12 % | 5–8 y | 45 / 100 | 65 % | 20 % | 10 % |
| H3High | 12–18 % | 8–12 y | 65 / 100 | 85 % | 30 % | 20 % |
| D4Dynamic | 12–25 % | 5–10 y | 75 / 100 | 100 % | 40 % | 20 % |
| Horizon | Duration | Applicable Profiles | Min Liquidity Reserve |
|---|---|---|---|
| Short | 1–3 y | L1 only | 15 % |
| Medium | 3–7 y | L1, M2 | 10 % |
| Long | 7–12 y | L1, M2, H3 | 5 % |
| Extended | 12 y+ | All incl. D4 | 3 % |