Q13: Asset class constraints

This question is designed to allow client to air out any bad experience on any asset class. This allows the FP to exercise judgment in planning an asset allocation plan for the client. For example, if the client has bad experience in “MiniBond” (a type of structured product), FP should take the time to explain the difference between bond fund and “minibond”; otherwise, the bond fund should be put on hold until the client is comfortable with them.

FP should not force the product into the portfolio which client has indicated “to be avoided”.