Our recommendations take in to account your investment experience and your plans for the future reflecting your appetite for investment risk and capacity for loss. we’ll run through portfolio construction considerations such as investing in geographical regions combined with specialist sectors such as medical, mining, commodities, financial and raw materials etc. We use a number of specialist software packages to help choose the most appropriate investment to meet your needs taking in to account the investment firm, fund manager, platform and investment vehicle such as pension, ISA, bond, ETF… Where appropriate, we aim to keep investment charges low by combining index tracker funds with actively managed funds in specialist sectors such as small companies and niche markets. the FCA do not regulate tax advice and your capital is at risk.

Our recommendations also take into account the chances of the fund needing to be accessed at short notice, your capacity for loss (what impact do the funds have on maintaining living standards). Discussions also run through positive and negative ‘what if’ scenarios making provisions reflecting the potential outcome.

Every recommendation also considers the number of holdings within the fund portfolio as a smaller number of holdings can lead to higher volatility and price fluctuations which aren’t good if the money is needed soon; past performance, management performance and charges (platform, provider and adviser) fees can have a significant impact on returns.

To help ensure savings and investment recommendations match a client’s risk profile we use specialist software packages and fund analysis planning tools to complete risk profile questionnaires which assesses considerations such as Investor experience, Attitude, willingness and ability to take investment risk and capacity for loss. The report documents the answers completed in the questionnaire which, together with additional guidance and personal preferences enable us to determine an appropriate risk profile and we explain how the risk profile fits with the attitude towards investing.

The report also outlines a target asset allocation to matching risk profile indicating the risk and return expected from the portfolio.

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