Advanced Asset Consultants | Independent Financial Advisers

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In an effort to grow your wealth, can you afford to lose any money over the next two years?

No

Yes

please make a selection

Time Horizon

1

When do you expect to start withdrawing from your investment?

Less than 2 years

2 to 5 years

6 to 10 years

11 years or more

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2

Once you begin withdrawing money from your investment, how long do you expect to continue withdrawing funds?

One off withdrawal

2 to 5 years

6 to 10 years

11 years or more

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Risk Aversion

1

The following graph shows the results of five example portfolios over a one-year period. The best potential gains and worst potential losses are displayed. (NB: the portfoliio with the best potential gain also has the largest potential loss)

Which of these portfolios would you prefer to hold?

please make a selection

2

The table below displays the worst case losses, expected gains, and best case gains of an investment of £10,000 in five sample portfolios over a one-year period.

Which portfolio would you prefer to hold?

please make a selection

3

You have made an investment of £10,000 and its value falls by 20% to £8,000. Assuming you still have 10 years until you begin withdrawals, how would you react?

	I would not change my portfolio.
	I would wait at least one year before changing to options that are more stable.
	I would wait at least three months before changing to options that are more stable.
	I would immediately change to options that are more stable.

please make a selection

4

For many investors, the possibility of losing money is a main concern. How do you feel about investment losses?

	I check the value of my investments quite often so I can sell quickly if they begin to lose money.
	Daily losses in the value of my investments make me uncomfortable, but not uncomfortable enough to sell. If losses occur over several months, I would probably sell.
	Short-term losses in the value of my investments does not bother me. I would wait an entire year before making any changes.
	I understand that investments can have occasional negative annual returns. However, I have a higher chance of reaching my investment goals if I stick with my portfolio over the long term. I would not make a change.

please make a selection

5

Choose the answer that best describes your response to the following statement.

"I am comfortable with investments that may frequently experience large losses in value if there is a potential for higher returns." Does this describe you?

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6

Most investments fluctuate year-to-year. Suppose you invested £10,000 in a portfolio with the intention of holding it for 10 years. If this investment lost value during the first year, at what value of your initial £10,000 investment would you sell and move to a more stable investment.

	£9,500	(5% loss)
	£9,000	(10% loss)
	£8,500	(15% loss)
	£8,000	(20% loss)
	I would not sell

please make a selection

7

Investing involves a trade-off between risk and returns. Historically, investments with higher returns have been associated with greater risk and chance for loss. Alternatively, cautious investments that have a lower chance for loss also have yielded lower returns. Based on this description of investments characteristics, which of the following statements best desribes your attitude to risk?

	I am most concerned with risk. I am willing to accept lower returns in order to limit my chance of loss.
	I am willing to bear some risk and chance for loss in an effort to achieve higher returns, but prefer a significant proportion of my portfolio to be invested in cautious assets.
	I am willing to accept moderate risk in order to achieve higher returns. Minimising risk and maximising return are of equal importance to me.
	I wish to achieve high returns on my investments. I am willing to accept high risk and chance of loss.
	I am primarily concerned with maximising the returns on my investments. I am willing to accept significant fluctuations in the value of my portfolio and substantial chance of loss.

please make a selection

8

Over a long period, risky investments usually generate greater wealth than less risky investments. The table below lists the possible values at the end of a 20-year investment of £10,000 in 6 different portfolios. Note that in any given year, risky investments might experience a decline in value that significantly surpasses a decline in the value of less risky portfolios. The table below also displays the potential number of years in which the investment realises negative returns.

Which of these portfolios do you prefer?

please make a selection

My Risk Assessment

Advanced Asset Consultants Limited will input your answers to the risk questionnaire in the online True Potential Risk Profiler, which will compute a suggested risk score and asset allocation. The risk score gives an indication of the level of risk you may be prepared to take with this investment on a range from 1 (low risk) a to 22 (high risk). The risk score is only a guide, and you can decide, with the help of your adviser, to invest more conservatively or more aggressively.