The Twenty-Year Row

The Diversified Portfolio Approach applies the three principles, and each slide turns on one in particular.

One — the Allocation Method. Three buckets: tax-sheltered savings, everything else you own, and a guaranteed tax-free transfer to the people you name. How much belongs in each? Compared to what, before any product exists. Zero is printed on it as a valid answer.

Two — the DPA. A diversified portfolio approach. One outlay, three shapes, side by side. Compared to what, applied to product. This is the page above.

Three — the ROI. What the same money returns, against what it would otherwise do. Compared to what, expressed as a rate, with guaranteed values kept separate from illustrated ones.

Four — the Product Rankings. Why these contracts. The criteria are contract features — conversion wording, the guarantees themselves, protection of the pool — so this is Review the policy contract, with the weights published in advance and open to challenge.

Five — the Holding Statement. Put it in writing, for a reader who is not in the room and may not be born yet.

Five pages is the whole engagement. What follows is one part of page two.