Risk profile

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For financial advisers only

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 Risk profile
questionnaire
for Individuals

By now your financial adviser should have completed a full fact-find, to help identify your investment goals and priorities. They
should have established that you are prepared to take some degree of investment risk to achieve your goals. If you do not
wish to expose your capital to any risk, then you should consult your financial adviser regarding alternative savings
opportunities such as Cash Deposits and National Savings.
The next important step is to understand your attitude to investment risk. While there are a number of different risks that your
adviser will account for, most people understand investment risk as the likelihood and extent of a fall in the value of their
investment.
The tendency for investments to rise or fall in value is known as ‘volatility’. Volatility is the opposite of stability. The more volatile
an investment, the more extreme the rises and falls in its value. This means there is more chance of extreme losses, but also
potentially higher gains. Lower volatility means greater stability and less chance of an extreme fall in price, but also less chance
of higher gains. However, the longer you hold an investment, the lower the impact of that volatility. Helping you find a portfolio
that reflects a comfortable balance between potential gains and falls in value, requires finding your risk ‘benchmark’. Your
adviser will discuss this in detail with you in relation to your specific goals; for example how would you feel if your goal was not
achieved?
To help ascertain your risk ‘benchmark’, please complete this questionnaire, ensuring all questions are answered. Remember
that when considering different investment goals (eg school fees versus saving for retirement), you might answer the questions
differently so please ensure that your answers relate to the particular investment in question only.
The resulting benchmark risk score will be between 1 and 10, with 1 being the most stable and 10 being the most volatile. A risk
score of 1 will result in a portfolio consisting mostly of cash, while a risk score of 10 will indicate a portfolio very heavily
weighted in shares. Scores between 1 and 10 will feature a broader mix of asset types.
The Quilter risk profile assessment is simply a guide based on information provided. Your financial adviser will explain what
your risk benchmark score means in terms of potential gains and losses and help you decide whether to maintain, increase or
decrease the risk level in the light of your particular investment goals and your full personal circumstances.
The completed questionnaire does not form part of Quilter’s application process. Quilter will not carry out any assessment of
the suitability of investment selections made by you on the basis of the completed questionnaire. The questionnaire is merely
used to inform the recommendations made to you by your financial adviser.
Quilter does not provide advice on selecting investments. Investors should consult their financial adviser on the merits of any
particular investment.

1. Personal details
Title Mr Mrs Miss Ms Other u Please specify

Surname

Full forename(s)

Date Postcode

2. Risk profile questions

1. When do you need this money, or how long do you want to hold on to this investment?

u Enter a number of years from 3 to 30. This time period is very important in the risk assessment process.

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2. Do you have an emergency fund to provide for unexpected expenses, to avoid needing to draw on medium- to
long-term savings to meet immediate needs? (You should allow the equivalent of at least three months net
income for emergencies.) u P lease tick (✓)
No
Yes – but less than three months’ salary
Less than six months’ salary
Around one year’s salary
More than two years’ salary
3. What is your expectation of your future earnings over the next five years? u Please tick (✓)
I expect my earnings to decrease
I expect my earnings to keep pace with inflation
I expect my earnings to increase somewhat ahead of inflation
I expect my earnings to far outstrip inflation
I expect my earnings to fluctuate
4. What percentage of your total assets (excluding your home) are you proposing to invest now? u Please tick (✓)
Less than 25%
25% to less than 50%
50% to less than 75%
75% or more
5. Which statement most closely reflects your current financial situation? u Please tick (✓)
I am completely debt free
I have no mortgage but have a few other obligations like credit card payments
I have a mortgage but no other debts that concern me
I have a mortgage and some short-term obligations
I have a lot of long-term obligations
6. Which statement best describes your objectives for this investment? u Please tick (✓)
Stability is more important than higher returns
I want to achieve higher long-term returns than cash. I could cope with infrequent periods where my investments might
fall in value
I want to achieve higher medium-term returns than inflation. I understand there may be occasional extended periods
where my investments might fall in value
I want the best long-term returns I can get. I fully expect periods where the value of my investments might suffer
extended falls
7. At the beginning of the year you have £100,000 invested. The chart and options below show the performance
of four possible investments. Each bar gives a range of possible values at the end of the same year. Which
investment would you prefer? u P lease tick (✓)
Potential best and worst case end values
£160,000
£150,000
£140,000
£130,000
£120,000
£110,000
£100,000
£90,000
£80,000
£70,000
Portfolio A Portfolio B Portfolio C Portfolio D
This chart is for illustrative purposes only and does not reflect the performance of a specific index or fund.
Portfolio A: It could be worth anywhere between £96,000 and £114,000
Portfolio B: It could be worth anywhere between £88,000 and £121,000
Portfolio C: It could be worth anywhere between £77,000 and £137,000
Portfolio D: It could be worth anywhere between £69,000 and £149,000

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8. What level of fall in the value of this portfolio over a one-year period would concern you, bearing in mind that
investment in shares requires a long-term view? u Please tick (✓)
More than 5%
More than 10%
More than 15%
More than 20%
I am not concerned about falls in value as I expect to recover any falls by the time I need to sell my portfolio
9. Suppose one year ago you invested £100,000 in a portfolio. Today you’ve checked its value and find it is now worth
£87,000. How would you feel? u Please tick (✓)
Panic – I’d want my adviser to sell, and invest the proceeds in Cash
Nervous – I’d want my adviser to sell part of the portfolio, and invest the proceeds in a less volatile investment
Patient – I’d sit tight, expecting the portfolio to recover
Positive – If I had any more money I’d invest it in the same portfolio
10. You are more concerned that your investments grow faster than inflation, than you are about returns over any
one-year period. u Please tick (✓)
Strongly agree
Agree
Disagree
Strongly disagree
11. If you could increase your chances of improving your returns by taking more risk, would you be: u Please tick (✓)
willing to take more risk with all of the money?
willing to take more risk with half of the money?
willing to take more risk with a quarter of the money?
unlikely to take much more risk?

3. Your investment objectives

How much do you wish to invest? u Enter amount in pounds sterling £

a) If you are investing for growth (eg optimised portfolio)

Is there a target amount you wish to achieve? If so, what is it? u In deciding upon your target, £ allow for the
please effects of inflation, investment risk and your tax position
When do you need this money, or how long do you want to hold
this investment? u Enter a number of years from 3 to 30 Year

b) If you are investing for income (eg yield portfolio)

What is your expected tax rate? u Please tick (✓) Basic Higher
What annual yield do you require (after allowing for the specified tax rate)? %
Investors should assess the acceptable inflation and investment risk of not meeting a given target (after allowing for personal
tax), particularly for periods under 10 years for volatile investments.

4. Signature
Your financial adviser will input your answers on the Quilter Online Risk Profiler, which will compute a suggested risk score and
asset allocation. The risk score gives an indication of the level of risk you may be prepared to take with this investment on a
range from 1 (low risk) to 10 (high risk).
As mentioned earlier, the risk score is only a guide, and you can decide, with the help of your financial adviser, to invest more
conservatively or more aggressively.
We do not provide advice on selecting investments. Investors should consult their financial adviser on the merits of any
particular investment.
Date questionnaire
Signature completed Date
u d d/mm/yyyy

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 Reset

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Quilter is the trading name of Quilter Investment Platform Limited which provides an Individual Savings Account (ISA), Junior ISA ( JISA) and Collective Investment Account
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Registered Office at Senator House, 85 Queen Victoria Street, London, EC4V 4AB, United Kingdom. Quilter Investment Platform Limited is authorised and regulated by the
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