Attitude to Risk

Our Guide to Investing provides a detailed explanation of the issues you should consider when it comes to saving & investing.  This includes a robust assessment of your attitude to investment risk.

Risk in this context relates to the probability of loss, or achieving less than expected returns from an investment and we use market leading financial planning tools to assess your risk profile.  This includes factors such as:

• The anticipated term of your investment period.
• Your requirement for growth and / or income.
• Possible future changes in your circumstances.
• Protecting your investment from the effects of inflation.
• The question of ‘liquidity’- how easy will it be to access your money?

Your ‘capacity for loss’ is considered as we assess the risks of falls in the value of your investment and any detrimental impact this would have on your standard of living and planning.  After discussion, your capacity for loss may affect the overall risk profile used when we develop your recommended investment strategy.

Please be aware:

The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.