When may a manufacturer reduce the risk and return score, and what restrictions apply?

A manufacturer may reduce the risk and return score where it considers the score likely to overstate the overall risks of the investment, for example because the volatility calculation period included extreme market anomalies. A more significant reduction may be applied where the investment benefits from at least 90% capital protection under all market conditions. Any adjustment must be supported by documented rationale. However, the risk and return score of consumer composite investments assigned a pre-determined score of 9 cannot be reduced.