Portfolio questionnaire

Questionnaire progress


1. What is your main investment goal?

Quick tip:

Think about what you are saving for. Do you expect your savings to grow for a future payout, for example, retirement, a child’s education, or to increase your money or leave an inheritance? Or will you use these savings to add to your income immediately?)

2. Investing comes with the possibility of losing some of the money you have invested. In an effort to achieve a higher return than an investment such as a bank account, do you accept a degree of risk with your money?

Information:

Your responses indicate that you have a very low tolerance to risk, possibly due to your investment time horizon. Please talk to us about a solution involving an investment strategy which minimises capital risk.

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How losing money would affect you:

3. What impact would it have on your standard of living if you were to lose money on this investment?

Information:

Your responses indicate that you have a very low tolerance to risk, possibly due to your investment time horizon. Please talk to us about a solution involving an investment strategy which minimises capital risk.

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Quick tip:

Losing money here refers to the value of your investment portfolio falling below the amount you originally invested because of a drop in the market. For example, if you gave your adviser £50,000 to invest and later the value of your investments fell to £47,500.

Time frame:

4. When do you want to start spending the money you will save in this account?

Information:

Your responses indicate that you have a very low tolerance to risk, possibly due to your investment time horizon. Please talk to us about a solution involving an investment strategy which minimises capital risk.

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Time frame:

5. Once you start spending your money, how long do you expect to continue to withdraw funds from your investment portfolio?

Quick tip:

Do you want to spend all your money at once, for example to buy a house? Or do you plan to make the money last over a longer period, for example by paying yourself a yearly income once you retire?

Time frame:

6. Once you start to spend the money in your investment portfolio, how much do you plan to withdraw?

Quick tip:

If your investments are worth £100,000 and you want to withdraw a yearly income of 4%, you will need to take out £4,000 each year.

Your attitude to risk:

7. Some investments offer the opportunity for a greater gain but with the risk of a greater potential loss. Look at the five scenarios represented in the chart below. Which one would you put your money in?

Attitude to risk graph

Your attitude to risk:

8. Imagine you have invested £100,000. Which of the five scenarios below would you want for your investment portfolio?

  Best-case increase (£) Most likely result (£) Worst-case losses (£)
13,000 3,000 -11,000
15,500 4,000 -12,500
20,000 5,000 -16,500
24,500 6,000 -21,500
28,000 6,500 -25,000

Your attitude to risk:

9. Investing involves a trade-off between risk and returns. In the past, investments with higher returns have been associated with greater risk and chance of loss. Whereas cautious investments that have had a lower chance of loss also have achieved lower returns. Which of the following statements best describes your attitude to risk?

Your attitude to risk:

10. Imagine your adviser has invested £100,000 of your money and it’s fallen in value to £80,000. Assuming that this happens at an early stage of your intended investment period, how would you react to this £20,000 loss?

Your attitude to risk:

11. The value of investments varies from year to year. Suppose you invested £100,000. How much money would you need to lose before you wanted to move your money into a more stable investment?

Your attitude to risk:

12. How does your concern about losing money manifest itself in relation to your investment?

Your attitude to risk:

13. Which of the following best describes your view on investing?

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