This information is provided for information only and must not be considered as investment advice. You should seek professional investment advice before making any investment decision.

Case Studies

Our case studies are based on saving for retirement according to assumed circumstances around basic stages in life and how this might link to a risk rated portfolio. We recognise that people and their circumstances are unique and therefore the case studies should not be used to guide you in making any investment decisions.

The Risk Rated funds can be blended to create a portfolio that is tailored to a level of risk.

Risk is critical to your portfolio and how it will achieve the objectives. As risk is individual, it is strongly recommended that a professional financial adviser help you assess your risk profile.

Your risk profile will be created from two elements: -

1) Your ability to take risk (or capacity for loss). This is affected by the timeframe for your investment, your wealth, earnings, and need for income and withdrawals. This will change throughout your life, according to personal circumstances and is the focus of the case studies below, which make general assumptions based on stages of life.

2) Your willingness to take risk (or risk appetite). Willingness is subjective and based on your personal disposition.  A financial adviser or risk profiling tool can help to assess your willingness to take risk, which is not considered in the case studies.  Usually, the lower of your willingness and ability will be used to create your risk profile.

It is important that you understand that this information is general and is not meant as financial advice. The information is designed to help illustrate different investment portfolios according to different levels of risk and may encourage discussion with your adviser.