. The smaller format is much more scalable than market stores with anticipated smaller foot print requirement, better margins and faster payback period. Emphasis will be on full market penetration within

format is much more scalable than market stores with anticipated smaller foot print requirement, better margins and faster payback period. Emphasis will be on full market penetration within each identified

investment horizon. Furthermore, investment plan where proportion of investment in shares is automatically adjustable suit savers with limited knowledge and prefer status quo and clearly benefits those who are

study on asset allocation for retirement savings in a group of working age investors. The allocation was made among common stocks, bonds, bank deposit and gold in appropriate mix adjustable through life