Heritage Financial Services

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' for income seeking investors to tell us the level of risk you want in your investments. If you are not sure the level of risk you should be taking in you portfolio click here.

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Probable Investment Term*

Income Portfolio	Risk Profile	Description	Minimum Recommended Investment Period
1	Low to Medium	You tend to prefer investments that expose your money to less risk of a decline in value. However, you recognise that in order to achieve a higher income than you could achieve from a savings account, you accept that you must take some additional risk by investing mainly in UK fixed Interest funds (mainly corporate bonds) a small proportion in high yielding UK equities. You acknowledge that your investment is likely to encounter relatively small fluctuations in value during the investment period. The portfolio aims to provide an income of approx. 4% pa. and some capital growth over the medium to long term. (View these funds) .. (HFS Income 1 performance).	At least 5 years
2	Medium	You are willing to place some reasonable emphasis on obtaining a much higher income than you would expect from a savings account and as such, you must be prepared to accept that any investment is more likely to fluctuate in value during the investment period. These portfolios will include a balance between fixed interest (including higher yielding bonds) and a small element of high yielding UK equities. The portfolio aims to provide an income of approx. 5% pa. and some capital growth over the medium to long term. View these funds) .. (HFS Income 2 performance).	At least 7
3	Medium to High	You are willing to place a lot more emphasis on obtaining a much higher income than you would expect from a savings account and as such, you must be prepared to accept that any investment is more likely to fluctuate in value during the investment period, with much sharper gains and losses. These portfolios will concentrate more on higher yielding fixed interest funds, with an element of property to provide rental income and an a proportion of high yielding UK equities. The portfolio aims to provide an income of aprox. 6% pa.and some capital growth over the medium to long term. View these funds) .. (HFS Income 3 performance).	At least 10 years

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

Thank you for completing the Heritage Risk Profiler for investors seeking income. 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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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.

Risk Profiler for Income Seeking Investors

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