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?)

How losing money would affect you:

2. 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:

3. 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.

Get in touch

Time frame:

4. 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:

5. 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:

6. 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:

7. 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 (£)
17,000 4,500 -12,000
23,000 6,000 -15,000
28,000 7,000 -19,000
34,000 8,000 -22,000
39,000 9,000 -25,000

Your attitude to risk:

8. 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:

9. 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:

10. 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:

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

Your attitude to risk:

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

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