However, a complex process for changing the allocation method made that unlikely, they said.

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Ms Sturgeon had spoken to other devolved governments and the UK government, and agreed that officials would work together to devise an alternative allocation method.

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This method of IPO allocation can create an instant windfall for insiders by encapsulating as much market demand into the offering price as possible.

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The asset allocation recommendation under the Cosmo method is about as useful as a questionnaire to determine if you should have dated the person that just walked out the door.

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The simplest method of help is through asset allocation funds like balanced and target date funds.

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