Before we recommend funds, we choose the appropriate asset class.
In this specific case, we have chosen Index funds, instead of large cap & diversified which we recommend for our long term wealth accumulation objective.
Index funds are content to track the index and do not try to generate extra returns. This makes their value grow steadily in line with the market. While you could get a higher return with active funds (which is why we recommend them for our growth offerings), we believe this to be more appropriate to a customer seeking protection of capital. Our selection algorithm looks at the track record of all index funds and then recommends the two best ones.