Section 1 - Personal

* Required Field

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* *

Occupation Salary (£) (do not include any dividend payments)

Section 2 - Contributions

Have you made any pension contributions in this tax year?

Yes.... (£) ..... No

Enter any personal and or employer contribution that you wish to make:

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Section 3 - Existing pensions

Is there a pension policy that you would like to make contributions to? ...

If yes, select product provider

Policy Number

 

Would you like to transfer your exisiting pension(s)?

1

2

3

 

Section 4 - Retirement objective

Would you prefer a low cost pension plan with a more limited fund choice and flexibility of retirement options or a higher cost pension plan with greater fund choice and flexibility of retirement options?

Lower cost, limited flexibility aaaaa Higher cost, greater flexibility

Do you currently hold (or intend to hold in the future) non standard investments in your pension such as commercial property or directly held equities acquired through a stockbroker?

Yes - commercial property Yes - directly held equities Yes - other non standard investment

No - I do not hold, and do not intend to hold non standard investments in my pension

Proposed Retirement Age *

What percentage of your current salary (in today's terms) would you like to plan for?

40% 50% 60% 70% 80% 90% 100%

Note: 50% is standard

 

Section 5 - Your Atitude towards fund annual charges

Do you favour performance over lower charging funds?

I believe that funds managed by fund managers, which have higher annual charges, can

 

Section 6 - Risk profile

Please read the description and afterwards click on the most appropriate radial button to confirm your choice. The lowest risk portfolio is 1 and gradually increases in risk to 6. If, after looking at the table below, you are unsure about what your risk profile is you can complete our Risk and Reward Questionnaire in addition to this questionnaire which will enable us to calculate your risk tolerance and advise you accordingly.

 

 

Growth
Portfolio

 

Risk Profile

Description

Minimum Recommended Investment Period

1

Low

You feel more comfortable investing in funds that are considered slightly higher risk than cash accounts in an attempt to offset inflation against relatively low interest rates.

Although it cannot be guaranteed, this portfolio is less likely to produce a financial loss if kept for the minimum recommended investment period. This is best used for shorter term investments or lifestyle switching of existing funds as a designated date/period approaches i.e. retirement.

This portfolio will largely invest in Index Linked Gilts, Money Market, and Fixed Interest funds...

At least 3 years

 

2

 

Low to Medium

You feel more comfortable investing in funds that are considered slightly higher risk than cash accounts in an attempt to offset inflation against relatively low interest rates.

Although it cannot be guaranteed, this portfolio is less likely to produce a financial loss if kept for the minimum recommended investment period. This is best used for shorter term investments or lifestyle switching of existing funds as a designated date/period approaches i.e. retirement.

However, you recognise that in order to achieve higher returns, you accept some additional risk. You acknowledge that your investment is more susceptible to low level fluctuations in value during the investment period.

This portfolio will largely invest in Index Linked Gilts, Fixed Interest, Property and UK Equity funds.

At least 5 years

 

3

 

Medium

You feel more comfortable investing in a diverse mix of low, medium & high risk funds in order to “not keep all your eggs in one basket”. The overall potential risk is considered much higher than cash accounts in an attempt to offset inflation against relatively low interest rates.

This portfolio is more likely to fluctuate in value during the investment period; although not guaranteed, it is less likely to produce a financial loss if kept for the minimum recommended investment period.

This portfolio will largely invest in Fixed Interest, Property, UK Equity funds, and a relatively small exposure to European and North American funds.........

At least 7

4

 

Medium to High

 

You feel more comfortable investing in a diverse mix of low, medium & high risk funds in order to “not keep all your eggs in one basket”. The overall potential risk is considered much higher than cash accounts in an attempt to offset inflation against relatively low interest rates.

This portfolio is more likely to fluctuate in value a higher degree during the investment period, due partly to investing in overseas companies, monetary exchange rates and emerging countries that may encounter political problems. Although not guaranteed, it is less likely to produce a financial loss if kept for the minimum recommended investment period.

This portfolio will invest in a lower percentage in Fixed Interest, Property & UK Equity funds, and a relatively small exposure to UK Smaller Companies, European, North American, Commodities, Far Eastern, Global Emerging Markets and Japan funds.

At least 10 years

5
High

You feel more comfortable investing in a diverse mix of low, medium & high risk funds in order to “not keep all your eggs in one basket”. The overall potential risk is considered much higher than cash accounts in an attempt to offset inflation against relatively low interest rates.

This portfolio is more likely to fluctuate in value to a higher degree during the investment period, due partly to investing in overseas companies, monetary exchange rates and emerging countries that may encounter political problems. Although not guaranteed, it is less likely to produce a financial loss if kept for the minimum recommended investment period.

This portfolio will invest in a lower percentage in Fixed Interest, Property & UK Equity funds, and a relatively small exposure to UK Smaller Companies, European, North American, Commodities, Far Eastern, Global Emerging Markets and Japan funds.

At least 15 years

6

 

Very High

You feel more comfortable investing in a diverse mix of medium & high risk funds in order to “not keep all your eggs in one basket”. The overall potential risk is considered significantly higher than cash accounts in an attempt to offset inflation against relatively low interest rates.

This portfolio is more likely to fluctuate in value to a higher degree during the investment period, due partly to investing in overseas companies, monetary exchange rates and emerging countries that may encounter political problems. Although not guaranteed, it is less likely to produce a financial loss if kept for the minimum recommended investment period.

This portfolio will not be invested in property funds, be exposed a lot less in UK Equity funds, and invest more heavily in UK Smaller Companies, European, European Smaller Companies, North American, North American Mid Cap, Far Eastern, Commodities, Global Emerging Markets and Japan funds.

At least 15 years

 

 

Section 7 - Options on how to invest your money (lump sums only)

*

Section 8 - Your comments

Provide us with any information that will help us arrange the most appropriate pension and funds

 

*

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Complete this form if you are planning to invest for capital growth, but are not sure which product or funds to choose. Once you have completed and returned the form by clicking on the Submit button, it will enable us to determine the most appropriate investment route for you.

Please read this statement:

This essentially is an emailed questionnaire from you to us, which helps us to put you on the right track to pick the investment that we believe to be the most appropriate for you.

We ask that you complete all of the data capture boxes that are relevant to you. If you do miss one or more of the data capture boxes, we will contact you so that you are able to provide this over the telephone, by post or email. This will effectively extend the application process.

Advisory process

Step 1 - Complete the Investment Questionnaire and submit to us

Step 2 - Once we receive the emailed Questionnaire, we will evaluate it and with any additional information we may ask of you, contact you via email what we believe is the best investment(s) for you.

Step 3 - You will need to confirm your acceptance or rejection. If you accept, we will ask you to complete the recommended investment application(s) on-line, by providing you with the appropriate web links. Once this has been received, we will register you onto the Heritage Wealth Management investment platform (administered by Standard Life).

If you prefer to download and submit a paper copy, click here.