Individual Intelligent Independent

approach analysis opinion

Your Risk Profile

In determining your overall risk profile you need to take into account your timescales, your existing
assets and liabilities, investment experience and knowledge, growth or income objectives as well as your
capacity for investment loss.

Potential average Potential

annual return over Loss %*
Risk Level the Long Term (%)*

Risk Level 0 No Investment Risk

You are not prepared to take any investment risk and it is important
to you that your capital is protected from changes in market prices 0 to 2 0
and prefer the money to be kept in a building society / bank account.
However, you do understand that the general rise in prices (inflation)
could reduce the spending power of your capital and income over time.

Risk Level 1 Low Risk

You are prepared to take only a small amount of investment risk and it
is important to you that your capital is protected. This means that 3 to 4.5 5
your portfolio will concentrate on investments that provide low
returns in the long term but present lower risk to your capital. Only a
small amount of riskier assets will usually be included in your portfolio
in order to increase the chance of obtaining better long term returns.
A typical Low Risk investor will be invested mostly in fixed interest
securities with minimal credit risk and cash, with a small element
in equities and property that can boost longer term returns but are
associated with more risk.

Risk Level 2 Low to Medium Risk

You are prepared to take limited investment risk in order to increase

the chances of achieving a positive return but you only want to risk a
small part of your capital to achieve this. 4.5 to 6 8
A typical Low to Medium Risk portfolio will usually have the larger
part of the portfolio-invested in fixed interest securities that are low
risk but offer only low returns. The remainder of the portfolio will
usually be invested in equities and diversifying asset such as property
which can boost longer term returns but are associated with
more risk.

Risk Level 3 Medium Risk

You are prepared to take a moderate amount of investment risk

in order to increase the chance of achieving a positive return. Capital
protection is less important to you than achieving a better return on 5.2 to 7.5 12
the investment.
A typical Medium Risk investor will usually invest in a variety of
assets to obtain diversification and therefore reduce risk. Equities and
diversifying assets such as property, which can boost longer term
returns but are associated with more risk, would often account for a
higher proportion of assets than fixed interest securities and bonds
or cash.

V6-Sept-2015 1/3
 Potential average Potential
annual return over Loss %*
Risk Level the Long Term (%)*

Risk Level 4 Medium to High Risk

You are prepared to take a medium degree of risk with your investment/s
in return for the prospect of improving longer term performance. Short
term capital protection is not important to you and you are willing to 6 to 8 15
sacrifice some long term protection for the likelihood of greater returns.
A typical Medium to High Risk investor will be invested in equities but
with other assets included to provide some diversification. There may
be a small amount of specialised equities within the portfolio, which
focus on a particular sector of the economy or relate to a particular
market or industry. Specialised equities can boost longer term returns
but are associated with more risk than standard type equities.

Risk Level 5 High Risk

You are prepared to take a substantial degree of risk with your

investment/s in return for the prospect of the highest possible longer
term performance. You appreciate that over some periods of time there 7 to 10 18
can be significant falls, as well as rises, in the value of your investments
and you may get back less than you invest. This strategy holds significant
risk in the shorter term.
A typical High Risk investor will usually be invested entirely in higher risk
assets such as equities. There may also be a proportion of the investment
in specialised equities, which focus on a particular sector of the economy
or relate to a particular market or industry. Specialised equities can
boost longer term returns but are associated with more risk than
standard type equities.

Please
tick one of the boxes below which you feel meets your requirements:

Risk Level 0 No Investment Risk

Risk Level 1 Low Risk

Risk Level 2 Low to Medium Risk

Risk Level 3 Medium Risk

Risk Level 4 Medium to High Risk

Risk Level 5 High Risk

*Important note the returns and losses illustrated above should be used as a guide only and are not in any way
guaranteed. They are based on historical data and so are not representative of future returns. Investments into
Venture Capital Trusts (VCT) and Enterprise Investment Schemes (EIS) fall under high risk and could lose up to 100% of the
invested value in extreme cases and there is no liquidity for at least 5 years for a VCT and 4 years with an EIS.

Notes

Name: Date:

Signature:

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Glossary

Risk Saving and investing involves a variety of risks, for example the risk your money will not keep up with rising prices
(inflation risk), the risk that comes with share prices going up and down (volatility risks), the risk that an institution will fail
(default risk), etc.

Potential Average Annual Return over the Long Term (%) This is the expected annualised total return over a 5-10 year
period from the risk graded portfolio based on its objective and underlying strategic asset allocation.*

Potential Maximum Loss (%) This is the potential loss you could experience by investing at the risk level noted during
any period, over the long term. By drawing on data/evidence supplied by Bloomberg, the maximum loss figures have been
compiled by back testing over a period of 15 years based on the recommended asset allocation. On-going oversight and
risk management has the primary objective of minimising maximum losses for all risk graded portfolios.*

Fixed Interest Securities This includes Cash Equivalents (very short-term securities), Government (including UK Gilts and
International Government Bonds), Corporate (Investment Grade) and High Yield Bonds. Portfolios that invest in bonds and
other fixed income securities provide regular income and have historically been less volatile than stock funds. However,
they are subject to risks including credit risk, default on principal or interest payments and interest rate fluctuations.

Equities Including Developed (UK, US, European and Japanese) as well as Emerging (Eastern Europe, Asia and South
American) and Frontier (African and other) Equities. Equities are investments in companies and provide long-term growth
potential. Outside the UK these investments are typically subject to additional risks, including currency, economic and
political developments abroad. Allocations to Frontier Markets are avoided in all but the highest risk categories.

Property Including UK and International Commercial Real Estate exposure. These assets traditionally provide high income
and total returns while diversifying overall portfolio risk from short term factors. That said these investments could fall
in value for a variety of reasons and there is a risk that property prices overall will decline over short or even long periods
because of rising interest rates.

* Important In some years, when extreme market conditions prevail, the return or maximum loss might be
higher or lower than the figure noted.

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