Heritage offer two forms of risk questionnaire. If you are already pretty sure what your risk profile is for the investment in question you can use this 'quick risk profiler' capital growth investors to tell us the level of risk you want in your investments. If you are looking to take an income from your investments click here. If you are not sure the level of risk you should be taking in you portfolio click here.

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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.

(HFS 1 performance)...

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.

(HFS 2 performance)

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.

(HFS 3 performance).........

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.

(HFS 4 performance)

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.

(HFS 5 performance)

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.

(HFS 6 performance)

At least 15 years

 

 

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

 

Thank you for completing the Heritage Risk Profiler for investors seeking capital growth. Please tick the box below to confirm you have read and understood our Terms and Conditions. We will use the information you have given us to recommend a suitable portfolio of investments for you.

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Titl

If you are unsure from the table which risk profile is most appropriate for your investment, complete our Risk and Reward Questionnaire by clicking here.

An explanation of volatility

The relative rate at which the price of a security (your investment) moves up and down. Volatility is found by calculating the annualized standard deviation of daily change in price. If the price of a stock (your investment) moves up and down rapidly over short time periods, it has high volatility. If the price (fund value) almost never changes, it has low volatility.

When considering volatility, which historically tells us the more risk you take, potentially the greater the reward; the period of investment is critical. There is little point of investing in a high risk fund for less that 10 years because the fund value will fluctuate more shaprly and more often than lower risk funds. The fund must be given time to recover, which can take several months or several years.