When you choose an investment with Vanguard or another company, you’ll usually pick how much to put into growth assets (like shares) versus defensive assets (like bonds or cash). This mix decides how much risk you’re taking and what kind of returns you might see.
30% Growth / 70% Defensive
This is a very cautious choice.
You’re mostly in bonds and cash, with just a small part in shares.
Your money won’t jump around much, but it probably won’t grow as fast over time.
It’s good if you’re saving for something soon or if you really want to keep things steady.
50% Growth / 50% Defensive
This is a balanced mix.
You have equal amounts in shares and bonds/cash.
You get medium risk and medium potential growth.
A smart pick if you’re investing for a few years and want some growth without too many ups and downs.
70% Growth / 30% Defensive
This leans toward growth.
Most of your money is in shares, with some bonds to soften the bumps.
You could see stronger growth over the long run, but you’ll notice more swings in value.
Best for people investing for many years who can handle market changes.
90–100% Growth
This is a bold approach.
Nearly all your money is in shares, here and overseas.
It has the highest chance for big returns, but also the biggest ups and downs.
Usulaly works for younger people or those with a very long time to invest.
Remember: the more you put into growth assets, the more your investment will follow the stock market up and down. More defensive assets mean a smoother ride, but your money will likely grow more slowly.
For example, the Vanguard Balanced Index fund uses a 50% growth mix.
