Your
personal details:
Title:
First Name:
Date of birth:
Middle Name(s):
Phone Number:
Surname:
Email Address:
Address:
Post
Code:
1.
How would you rate the degree
of risk that you are willing
to take in your financial affairs?
2.
I am prepared to forego potentially
large gains if it means that
the value of my investment is
secure
3.
In comparison with other people,
I am more willing to make high
risk investments
4.
What is more important for you
in the context of investments:
the risk or the potential gains?
5.
What degree of risk would you
say you have taken with your
PAST financial decisions?
6.
What degree of risk do you wish
to take with your FUTURE financial
decisions?
7.
Have you ever borrowed money
for the purposes of making an
investment (other than for a
mortgage)?
8.
Would you borrow money for the
purposes of making an investment
(other than for a mortgage)
IN THE FUTURE?
9. (Parts a, b, c, d,
e, f) Experts tell
us that as the value of investments
can go up and down, we should
be prepared to weather a downturn.
How upset would you be
if the value of your investments
fell by the following amounts
in one year?
10. Financial advisors
usually invest money (in a
‘portfolio’) across
a spread of such investments.
What sort of spread of investments
would you find most appealing
– all high risk/high
return, all low risk/low return,
or somewhere in between?
Please select the portfolio
that best fits what you would
prefer.
11.
What is the CURRENT amount of
insurance you buy (life
insurance, home insurance, medical
insurance, travel insurance
etc.)
12.
What is the amount of insurance
that you intend to buy IN THE
FUTURE (life insurance,
home insurance, medical insurance,
travel insurance etc.)
13.
If you didn't require access
to your invested capital for
at least six years in the future,
for how long would you be prepared
to see your invested capital
go down in value before you
decided to take it out of the
markets and cash it in?
14.
I can tolerate the risk of large
losses in my investments in
order to increase the likelihood
of achieving high returns
15.
If my stocks and shares dropped
in value by 20%, I would take
that as a good time to:
16. Suppose that you are
considering investing £20,000.
You are selecting one investment
from the six possibilities
shown below.
There is a 50:50 chance that
the investment will decrease
in value, in which case you
will end up with the amount
shown in the white left-hand
semicircle. Likewise, there
is a 50:50 chance that it
will increase in value, in
which case you will end up
with the amount shown in the
right-hand blue semicircle.
For example, Investment A
will always result in you
ending up with your original
sum of £20,000, whilst
Investment F will result in
you either getting back £14,000
or £52,000.
As you go from A to F your
expected return increases
but so does your risk.
17. The graphs below show
the performance of four portfolios
for the last ten years.
Portfolio A doubled its value
over the period, but it made
big gains in some years, and
suffered big losses in other
years. Portfolio D grew by
a much smaller amount, but
it was steady from year to
year. Portfolios B & C
are intermediate between And
D both in their overall growth
and in year to year fluctuations.
Past performance is not
necessarily a guide to future
performance. However, considering
your personal circumstances
and reasons for investing
(pension, income, growth etc),
which portfolio would you
choose FOR THE FUTURE?
Human
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Kenver
recommend that independent
financial advice is taken
and [
info@hswealth.co.uk
]
