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“We use your age as the starting point. The older you are, the less we put into riskier investments, although all customers will have a bit of everything – it’s the proportions that differ. We have three “risk buckets” – low, medium and high. The percentage of your money in the low-risk bucket matches your age, so a 60-year-old should have 60pc of the total in that bucket. Between 5pc and 10pc would go in the high-risk bucket.”