1. What is your main investment goal?

A. Income

B. Growth

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?

Yes, I understand that investments can rise and fall in value and that I could lose some of my money

No, I am not willing to see my money fall in value or lose any part of my 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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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?

It wouldn’t have an impact on my standard of living and I wouldn’t need to use any additional resources (for example, savings) as a result.

I have other resources I could fall back on.

It would have an impact on my immediate standard of living.

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?

Immediately or within the next three years

Within three to four years

Within five to six years

Within seven to 10 years

Not within the next 10 years

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?

I plan to withdraw all of my money at once.

I will make withdrawals over two to five years.

I will make withdrawals over six to 10 years.

I will make withdrawals over 10 years or more.

I don’t intend to withdraw the money.

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?

I do not intend to take withdrawals.

I plan to withdraw between 0% and 4% of the value of my investments each year.

I plan to withdraw between 4% and 8% of the value of my investments each year.

I plan to withdraw more than half of the value of my investments within three to 10 years.

I plan to withdraw all of my investments at once.

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

Scenario A

Scenario B

Scenario C

Scenario D

Scenario E

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 (£)
Scenario 1	13,000	3,000	-11,000
Scenario 2	15,500	4,000	-12,500
Scenario 3	20,000	5,000	-16,500
Scenario 4	24,500	6,000	-21,500
Scenario 5	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?

I am most concerned with risk. I am willing to accept lower returns in order to limit the risk of loss.

I am willing to accept some risk and chance of loss in an effort to achieve modest but somewhat higher returns.

I am willing to accept moderate risk in order to achieve higher returns. Reducing risk and increasing returns are equally important to me.

I want to achieve strong returns on my investments. I am willing to accept somewhat higher risk and chance of loss.

I am mainly concerned with getting the highest possible returns on my investments. I am willing to accept significant rises and falls in the value of my investments and a significant chance of loss.

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?

I would not change my investment plan.

I would wait at least one year before changing to investment options that are more stable.

I would wait at least six months before changing to investment options that are more stable.

I would immediately change to investment options that are more stable.

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?

£5,000 or less

£10,000

£15,000

£20,000

It is unlikely I will move my money even if my investment falls in value.

Your attitude to risk:

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

I would sell my investments.

I would be worried but not uncomfortable enough to sell my investments immediately. If my investments suffered losses over several months, I would probably sell.

I would wait a full year before making changes to my investments—short-term losses in the value of my investments do not bother me.

I would not make changes—I understand that investments can have occasional negative yearly returns. However, I have a higher chance of reaching my investment goals if I stick with my investment over the long term.

Your attitude to risk:

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

My investments don’t have to grow, I just want my money to be safe.

I can accept lower growth for greater certainty.

I am more concerned about the possible losses than the possible gains.

I can accept possible losses for long-term investment growth.

To achieve high levels of growth, it is necessary to take risk.

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is not warranted to be accurate, complete or timely.

This Morningstar-sourced information is provided to you by IMS Capital Ltd and is at your own risk. You agree that Morningstar is not responsible for any damages or losses arising from any use of this information and that the information must not be relied upon by you the user without appropriate verification. IMS Capital Ltd informs you as follows: (i) no investment decision should be made in relation to any of the information provided other than on the advice of a professional financial advisor; (ii) past performance is no guarantee of future results; and (iii) the value and income derived from investments can go down as well as up.

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Portfolio questionnaire

1. What is your main investment goal?

Quick tip:

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:

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:

Quick tip:

Time frame:

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

Information:

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:

Time frame:

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

Quick tip:

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?

Your attitude to risk:

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

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?

Disclaimer

Result: Low risk

Result: Low Risk

Result: Cautious

Result: Balanced

Result: Growth

Result: Adventurous

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