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Risk Profiler

Prepared by (Broker ID):
Length of Investment: years
 
Customer Name:
 
Address:
 
Home Telephone:
 
Email:
 
Date of Birth: (dd/mm/yyyy)
 
Objective:
In order to help us assess your attitude to risk, we use a computer model which provides an assessment based on answers to the following 12 questions. Please study these carefully as they will form the basis upon which our recommendations are formulated. Should you wish to alter your answers please notify your adviser so that your overall scores can be recalculated.
Time Questions
1. It is important to be clear about when you plan to sell your investment. When do you foresee needing this money?
Within 3 years
Between 3 and 5 years
Between 5 and 7 years
Between 7 and 10 years
Between 10 and 15 years
Over 15 years
2. Do you have savings available to cover unforeseen expenses and events?
No
Yes, but not a great deal
Yes, more than enough to cover 3 months' expenditure
Yes, enough to cover 6 months' expenditure
Yes, enough to cover a year's expenditure
3. Without including your home, what percentage of your overall assets is this investment likely to represent?
Less than 25%
Between 25% and 50%
Between 50% and 75%
Over 75%
Risk Questions
1. How would you describe your investment experience?
None - I have no investments
Limited - I have some investments
Some experience - I have a diversified portfolio of investments
Fairly experienced - I have held my investments throughout a variety of market conditions
Very experienced - I have always held investments and am familiar with the volatility of the investment markets
2. The security of your capital is your priority even if that means that the value of your investment may not go up as much when investment markets perform strongly?
I strongly agree
I agree
I am undecided
I disagree
I strongly disagree
3. The chart below shows the maximum percentage gain made and the maximum percentage loss suffered in a single year by investors in five different investment strategies over a ten year period. Looking at the potential gains you could make and the losses you might experience, which portfolio would you feel most comfortable investing in?



Portfolio A
Portfolio B
Portfolio C
Portfolio D
Portfolio E
4. The chart below shows the fluctuations of the UK stock market over the last fifteen years. As you can see the market has risen and fallen many times, often quite dramatically.


As an investor growing your capital is your main aim. You are prepared to see the value of your investment fall when markets fall and you will hold on to your investments until they recover.
I agree strongly
I agree
I am unsure
I disagree
I disagree strongly
5. It is likely that there will be periods when events in the economy and the stockmarket result in the value of your investment falling. If you did not need your capital for a period of ten years or more for how long would you be prepared to see the value of your capital fall before selling your investments?
Less than 1 month
Less than 6 months
Less than 1 year
Less than 3 years
More than 3 years
6. The chart below shows how much you would have made in percentage terms from three different investments over a period twenty years. Given the potential gain an investor could have made and the way in which the investment acted and behaved during that period, which investment would you select?


Investment A
Investment B
Investment C
7. What would be your response if your investments fell in excess of 25% over a twelve month period?
You would sell all your investments
You would transfer to investments carrying less risk
You would be concerned but would wait to see if market conditions improved
You would hold on to your investments in anticipation of a recovery in market conditions
You would invest more as you expect markets to recover and your investments to perform strongly
8. All investments carry the potential to make money and the possibility of losing it. The higher the return you are looking for, the greater the risk you will need to take to achieve that goal and the more significant the falls in the value of your capital you can expect to experience. Which of the following statements best describes your feelings about this?
I am not comfortable risking any of my capital regardless of whether or not I might recover it in time
I understand that in order to make money from my investment I have to accept a certain amount of risk; however, I would consider the potential losses before the potential gains
I am unsure whether I would be more concerned by the potential to make money on my investment or more concerned about the potential losses I might experience
I am aware that the value of my investment will fluctuate on the way to achieving returns over the longer term
I am looking for high levels of return from my investment and expect to see potentially large falls as well as significant rises along the way
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