What’s your investment comfort zone?
There are three profiles to choose from depending on what you feel most comfortable with; Cautious, Balanced, Adventurous or you can choose to Self-Select. All you need to do is pick the one that suits you best.
Self-Select is the option for you to create your own investment profile from our range of funds.
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If you think…
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Investment profile
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I’ll accept some investment risk however I prefer the longer term returns to be predictable, but understand that the fund may go up or down in the short-term.
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Cautious
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I’m comfortable with a degree of investment risk in return for the prospect of greater growth over the long-term.
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Balanced
(default option)
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I’m prepared to take higher risk, I’m an experienced and
knowledgeable investor who aims to achieve above average long-term returns accepting a higher risk and increased investment volatility*.
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Adventurous
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Balancing risk and reward
Risk and reward tend to be linked; usually the higher the investment risk, the higher the potential reward or loss. Generally, investing in stocks and shares (also called equity investment) carries a greater risk than investing in cash, bonds or gilts.
An investment profile that invests completely in equities is higher risk than one that spreads its investments across less risky assets such as bonds and cash.
*The greater the risk the more likely the investment is to increase and decrease in value over a short space of time; this is called volatility.
Things to consider
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When do you want to retire?
You usually can’t get at your
pension before you reach 55,
so saving for your retirement
is a long-term investment.
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If you’re young, you have many years before you can take your pension and therefore more time to recover from stockmarket falls. If you’re closer to retirement age you don’t have so long in which to recoup your money.
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What’s your attitude to investment risk?
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Every stockmarket investment is a gamble. Some are more of a gamble than others. You need to decide how you feel about this.
• If you don’t want your savings to go up and down in value a lot in the short-term, but are happy with a slight risk you have a cautious attitude to investment risk.
• If you are happy to take a bit more than a slight risk in the short-term you have a balanced attitude to investment risk.
• If you are comfortable with a high amount of investment risk then you have an adventurous attitude to investment risk.
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If you have other investments, do you consider them to be cautious or adventurous or somewhere in between?
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What are your personal circumstances?
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If you have cash to spare and a regular income, you may be happy to accept more investment risk than someone who has less disposable income. You can change your investment choice as your circumstances change.
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You can only choose one investment profile at a time, but you can switch from one profile to another. You will find more information in our EasyBuild Product Guide and Key Features. If you can’t decide what’s best for you, we will automatically put your money in the Balanced Investment Profile. Read more about the investment profiles and you can download an investment profile form for completion here.
Should you have any questions please call one of our dedicated team on 08457 414142 or 01293 586790 and we will be happy to explain and provide factual information to help you make your decision. Please note we cannot give financial advice.