Investing
Regulated
We are authorised and regulated by the Financial Conduct Authority.
Protected
Assets are protected by the Financial Services Compensation Scheme.
Trusted
We are authorised and regulated by the Financial Conduct Authority.

Attitude to Risk

Your attitude to risk depends on how emotionally comfortable and tolerant you are with taking financial risk, or put another way, how willing you are for your investment portfolio to diminish for a chance to make bigger investment returns.

Using psychometric software, we can begin a discussion to determine the investment risk required to achieve your financial goals and objectives with the financial resources you have available.

At the same time, we’ll look at your capacity for loss, both temporary and permanent. In other words, if the value of your investment portfolio were to decrease, would you have alternative financial resources to rely on.
Risk Profiling

Risk Profiling

  • Once we have established your financial goals and objectives by completing a psychometric questionnaire, it’s easy to agree your attitude to risk.
  • Investment portfolios will reflect your attitude to risk specific to you.
  • As well as your attitude to risk and capacity for loss, we’ll also check your past investor experience and make sure that any investments recommended are suitable for you.
Things to think about...

Things to think about...

  • It is perfectly possible and normal to have different attitudes to risk for different investments. For example, a twenty-year-old may be willing to take a higher risk with pension investments and a lower risk with saving for a mortgage deposit.
  • Your attitude to risk will change as you get older so it is important to review this on a regular basis.
  • It’s important that all your investments align with your decided attitude to risk for each one and are up to date, especially those ‘forgotten’ Pension pots and ISAs.

How we work

We keep it straightforward and simple.

1  

Arrange a Lifestyle Planning Meeting

A meeting at our expense to identify where you are now, how you got to where you are now, and where you’re trying to get to in the next 5, 10 and 20 years and so on for the rest of your life; in other words, a Lifestyle Plan.

     
2  

Arrange a Financial Planning Meeting

Another meeting, again at our expense, to identify all the resources available to you now, resources that will become available in future, and most importantly resources that might have to become available to satisfy the needs of your Lifestyle Plan.

     
3  

Arrange an Implementation Meeting of your Financial Plan

If, and only if, your Financial Plan indicates that that your needs would be best served by a financial or investment product and service, it is at this point that a recommendation will be made, again at our expense. If you are happy to go ahead in full knowledge of the facts and the fees involved, we can then start to implement your Financial Plan. If you want to walk away at this point, no problem; we wish you well and it won’t have cost you anything.

     
4  

Arrange an Annual Forward Planning Meeting

Now on board as a Sutherland IFA fee-paying client, an annual meeting is held to make sure that your Lifestyle Plan and your Financial Plan are on track to meet your financial goals and objectives.

Let’s start a conversation

We welcome the opportunity to learn more about how we can help you. Schedule a free no-obligation consultation, you might be surprised!