Personal Investment Profile


It is important to have an understanding of your:

- previous investing experience.
- current knowledge about investments.
- attitude and behaviour to investment risks. 
- capacity and temperament for investment volatility. 

Firstly, assessing your investment profile is not scientific; it will not mean that you have an investment portfolio that will never give you cause for concern, at some time. Market corrections are an inevitable part of investing. When they occur (and they will), your portfolio will fall in value. Although this will only ever be temporary, it will still test your temperament. 

Secondly, your investment profile is only ever the starting point of a conversation with you about your investments. We can only truly know the return your money needs to earn (and hence the investment portfolio that is appropriate for you) when we have produced your personal Financial Master Plan. We will then construct a portfolio that is aligned with your long-term financial goals. 

When answering the questionnaire below, please remember:

- there are no 'right' or 'wrong' answers to any of these questions. 

- you are likely to be investing for decades. What happens in the short-term is utterly irrelevant to your long-term aspirations.  

- your Financial Master Plan will factor in you having enough cash to hand to fund short-term living costs.

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SECTION 1 - Previous Investing Experience
1. Have you ever invested in collective investments such as funds in a stocks and shares ISA, OEICs, unit trusts or investment trusts? *
2. Have you ever invested in a pension where you could control the selection of funds to invest in (not a final salary scheme)? *
3. Have you ever bought or sold shares on the stock market? *
4. Have you ever invested in other investments (structured products, venture capital trusts, enterprise investment schemes, alternative investments or unregulated investments)? *
5. Have you ever purchased an investment/rental property? *
6. Have you ever sold a long term investment because its value declined? *
Section 2 - Investing Knowledge
2. How often do you look at the value of your pensions and investments? *
3. How would you describe your level of investment experience? *
4. What is generally considered more volatile (the price fluctuates)? *
Section 3 - Attitude and Behaviour to Investing
1. During retirement, there are only two major financial outcomes that can occur. A) You will have enough money to cover all your needs throughout your life or B) At some point in the future, you will run out of money. How willing are you to accept investment volatility to prevent (B) from happening *
2. I find investment matters easy to understand *
3. I feel comfortable about investing in the stock market *
4. Safer investments can only offer lower long-term potential returns *
5. To get the long-term returns I need, I will accept a fair amount of short-term volatility *
6. It takes me a long time to make up my mind on financial matters *
7. When I'm faced with a financial decision I am generally more concerned about the possible losses than the probable gains *
8. If your employer offered you a promotion, how would you prefer to be paid? *
9. If you inherited a dilapidated property from a friend that was valued at £300k, would you? *
11. I am investing to... *
tick as many boxes as you feel are correct.

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