If no adjustments are needed to the asset share, we test how this policy will perform in the future based on appropriate mortality and expenses, and interest crediting that is compared with an in-force illustration for the policy.

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Part of this analysis requires a correlation study to test if the asset class has unique risk.

FORBES: Basics of Asset Allocation (Part 2 of 2)

Finally, there is a smell test: If one is urged to borrow against this asset, or if the seller is heavily leveraged, and too demanding of a quick purchase, there is the risk that time can work against the buyer.

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"With the yen seen weakening further, while the won is set to keep rising, Hyundai's ability to overcome worsening external factors will be put to the test this year, " said Lim Hyung-geun, a fund manager at GS Asset Management.

BBC: Hyundai Motors' profits slide as strong won hits earnings