You can choose between income and accumulator Model Portfolios. The former aim to provide you with a regular income, while the latter aim to grow the value of your investment over the long term. The income Model Portfolio has a balanced risk profile, while the accumulator Model Portfolio is available in five different risk profiles, from defensive to dynamic. A defensive portfolio contains mainly fixed income funds, whereas a dynamic portfolio mostly contains equity funds. The profit expectations of a dynamic portfolio will be higher than those of a defensive portfolio, but so will the risks associated to it.