Speaker 1 (00:00): So what's a ready-made risk based portfolio? Ready-made means you are getting a complete diversified portfolio, which makes life simpler. Risk-based means each portfolio is aiming for a different level of growth with risk to match. And each of those portfolios keeps the same risk level over time. So if you want to go for more growth, you choose a higher risk portfolio. To reduce risk, you choose a portfolio aiming for less growth. And you can change portfolios up to twice a year, keep exploring, we are here to help.