Attitude to Risk Questionnaire BETA

Please provide consent to continue…

To begin, please provide your full name and email address.

Your Full Name

Your Risk Profile

Take your time now to complete the following 20 questions carefully. Once you’re comfortable, press ‘Submit’ to send your answers.

1. I would consider myself a cautious investor.

Cautious can mean different things to different people, but in investment terms this would mean you are only willing to take on a small amount of investment risk and capital protection would be important to you.

Strongly agree

Agree

Neither agree or disagree

Disagree

Strongly disagree

2. I have experience of investment risk.

For example, you have consciously chosen to move your investments to take more risk, you have taken a risk with your capital and experienced investment fluctuations, including losses and/or gains.

Strongly disagree

Disagree

Neither agree or disagree

Agree

Strongly agree

3. Achieving returns over and above inflation is important to me.

Strongly agree

Agree

Neither agree or disagree

Disagree

Strongly disagree

4. I am happy to take risks in order to achieve better returns.

Strongly agree

Agree

Neither agree or disagree

Disagree

Strongly disagree

5. What drop in the value of your investments would make you anxious?

You are investing for at least 5 years. Assuming your investments with us are moving in line with all of our peers, what drop in value would make you feel anxious?

6. How long could you see your investments falling before taking action?

You are investing for at least 5 years. Assuming your investments with us are moving in line with all of our peers, for how long would you be prepared to watch your investments fall in value before you took some action, such as switching investments or seeking advice?

For no time

Up to 6 months

Up to 12 months

Up to 24 months

Over 24 months

7. I have put money into risky investments in the past.

By risky investments, we mean investments which have been relatively Volatile through their performance; for example, you have risked losing all or a large portion of your capital in order to achieve your goals.

8. When considering investments, I….

Choose only safe investments

Try to keep risks to a minimum

Try to balance riskier assets with safer assets

Seek higher returns

Seek highest returns

9. Maximising long-term investments is my goal.

I would be willing to accept dramatic (20% plus), short-term (a few months) drops in value to achieve this.

Strongly agree

Agree

Neither agree or disagree

Disagree

Strongly disagree

10. Heads or tails. Which investment option would you choose?

I’m going to ask you to put £100,000 of your own money on the table and then I will flip a coin. If it lands on heads, you get the black figure back. In investment 1 you won’t make anything, but neither will you lose anything. By investment 5 you stand to gain £75,000 but you could lose £50,000. Each investment has a 50:50 probability of the outcomes shown. Which investment do you choose?

Investment 1

Investment 2

Investment 3

Investment 4

Investment 5

11. Your investment time horizon is:

(enter number of years)

12. Do you have any experience of investment loss? Tell me about it? When was it and how did you feel?

13. Assuming your investments with us are moving in line with all of our peers, what would you do if your investment fell by 10%?

You would accept the situation.

You would be concerned but do nothing.

You would feel anxious but do nothing.

You would cash in your investment.

Something else.

What would you do?

14. Assuming your investments with us are moving in line with all of our peers, what would you do if your investments fell by 20%?

You would accept the situation.

You would be concerned but do nothing.

You would feel anxious but do nothing.

You would cash in your investment.

Something else.

What would you do?

15. Assuming your investments with us are moving in line with all of our peers, what would you do if your investments fell by 30%?

You would accept the situation.

You would be concerned but do nothing.

You would feel anxious but do nothing.

You would cash in your investment.

Something else.

What would you do?

16. In cold terms what percentage of your investments would you be willing to lose before the loss became a problem concerned?

We call this your concern for loss.

16. In cold terms what percentage of your investments would you be willing to lose before the loss became a problem concerned?

We call this your concern for loss.

17. What is the maximum amount, in percentage terms, that you'd be happy to see your investments move up and down by in any given year?

This is about your reaction to volatility.

Supplementary Questions

18. Do you have any investment preferences: (e.g. ethical investments, ESG)?

19. Do you have any personal or professional experience and knowledge of investing?

20. In your own words, do you feel you have enough wealth to withstand a loss?

We call this your capacity for loss. Your Adviser will discuss it with you in more detail.

This field is hidden when viewing the form

Risk Score

For any queries or support, please contact your Courtiers Adviser or call 01491 570320.

This field is hidden when viewing the form

Specified Risk Profile

Your Calculated Risk Score is...

High risk

High risk investors put their money in assets that they believe will give them outstanding performance, but risk losing all of their capital or a large part of it. They seek risks and are comfortable with market fluctuations and the possibility of substantial capital loss, but are willing to accept these risks in order to achieve their objectives and goals. They are at ease with more aggressive sectors, such as emerging markets and smaller company shares, and they will also be prepared to invest in illiquid, high risk assets, such as private equity. High risk investors may invest in deposit accounts for short-term liquidity, but this is not their priority.

Investor traits: Very confident, risk taker, seeks winners, accepts the possibility of large losses.

Your Calculated Risk Score is...

Above average risk

Above average risk investors recognise that taking risks can be to their long-term advantage and they are comfortable with the ups and downs of stocks and shares. They understand that this strategy can result in large fluctuatiuons in the value of their capital, but are willing to accept this risk to achieve their goals. They have probably invested in the stockmarket previously and they are prepared to consider more aggressive sectors, such as emerging markets and smaller companies. They will keep cash for emergencies and immediate expenditure in safer investments, such as deposits and National Savings, but this is purely for immediate liquidity.

Investor traits: Risk taker, experienced investor, thinks long-term, confident, unphased by losses.

Your Calculated Risk Score is...

Average risk

Average risk investors keep money for capital expenditure, and emergencies, in deposit accounts and National Savings. They are, however, prepared to accept risks with their medium to longer-term assets (over 5 years) and will expose this capital to broadly diversified portfolios that reflect movements in the major markets for stocks and shares. They accept that there are risks with this strategy and that there will be fluctuations in their capital value in the short term but they are willing to accept a reasonable amount of fluctuation in the capital value of their investments in order to achieve their goals.

Investor traits: Considered, some experience, takes measured risks, thinks long-term.

Your Calculated Risk Score is...

Below average risk

Below average risk investors keep money for capital expenditure, and emergencies, in cash deposits and National Savings. They will, however, take risks with their medium to longer-term assets (over 5 years) in an attempt to generate higher returns than inflation. Longer-term capital will be broadly diversified over a range of assets where the values may fluctuate, but this will be limited. Belowaverage risk investors recognise that the risk of placing their money in cash deposits is that inflation can erode the value of capital.

Investor traits: Wary, takes some long-term risks.

Your Calculated Risk Score is...

Low risk

Low risk investors seek to minimise the risk of fluctuations in the value of their investments. They will take small amounts of risk with their medium to longer-term assets (over 5 years), but savings, and monies for emergencies, are kept safe in cash deposits and National Savings. Low risk investors recognise that the risk of placing their money in cash deposits is that inflation can erode the value of capital.

Investor traits: Quite cautious, takes some long-term risks, guarded.

Your Calculated Risk Score is...

Deposit only (No risk)

Investors in this category are very cautious and their main priority is to avoid risk. They do not want to invest in anything where the value may fluctuate and their preference is for cash deposits and National Savings. Deposit only (no risk) investors recognise that the risk of placing their money in cash deposits is that inflation can erode the value of capital.

Investor traits: Hates losses, very guarded, dislikes risks – likes safety.

Do you agree with this risk score?

Yes

Please explain your decision. Your Adviser will discuss this with you.

You completed your risk profile! Please press submit now to send your answers.

Check this box to send a copy to your email address

Send a copy for my records