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Our risk profiler helps you work out what level of risk you might be comfortable with, which can assist you with making decisions about which funds to invest in. There are a few quick questions, and then we’ll let you know what your answers say about you. Although we can’t give you investment advice, we can let you know what someone who gave answers similar to yours might want to consider doing. Click ‘BEGIN’ below to get started.

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High risk

Your answers suggest that you are comfortable taking risk. Perhaps you’d be prepared to take some risks with your pension investments now in order to potentially achieve a greater return in the long term?

Although we cannot provide investment advice, you may wish to consider investing in a fund within our high volatility range. There is more risk with this approach, but also the chance of higher returns in the long term.

Moderate risk

Your answers suggest you probably wouldn’t mind taking a moderate level of risk in order to try and get a better return on your investments.

Although we cannot provide investment advice, you may wish to consider investing in a fund within our medium volatility range. There is some risk with this approach (as with all investments), but potentially slightly lower risks and returns than using the higher-risk funds.

Low risk

Your answers suggest that you’re quite a cautious person when it comes to taking risks. You might want some security in your investments and to avoid taking large risks.

Although we cannot provide investment advice, you may wish to consider investing in a fund within our low volatility range. There is less risk with this approach, but potentially much lower returns than using the medium or higher-risk funds, in return for the reduced level of risk.

Are you far from retirement?

Someone who is near the beginning of their working life would probably be thinking about growing their savings; they’d certainly be looking to achieve returns above inflation or the Bank base rate. A big risk for them would be that their savings didn’t outpace inflation.

Because retirement seems such a long way away, they’d be looking at long-term savings options which have the potential for good growth over many years. They’d generally be willing to risk their savings falling in value in the short term because they potentially have enough time to make up any losses. As a result they would be thinking about investing in higher-risk funds, and not moving to lower-risk funds until closer to retirement. Historically, higher-risk funds have produced good returns over the long term, however past investment results are no indication of future performance.


Are you some way to retirement?

Someone who has a number of years until they retire would probably be thinking about growing their savings; they’d certainly be looking to achieve returns above inflation or the Bank base rate. A big risk for them would be that their savings didn’t outpace inflation.

They’d be looking at long-term savings options which have the potential for good growth over many years and they’d generally be willing to risk their savings falling in value in the short term because they would hopefully have time to make up any losses. As a result they would be thinking about investing in higher-risk funds at the moment, and not moving to lower-risk funds until closer to retirement. Historically, higher-risk funds have produced good returns over the long term, however past investment results are no indication of future performance.

Are you close to retirement?

Someone approaching retirement would probably think about securing their pension savings. A big risk for them would be that their pension savings fall in value and they don’t have time to make up the losses before they want to receive their pension.

They’d probably look for investment options that delivered steady returns which match, rather than beat, inflation and the Bank base rate. People close to retirement might think about investing in lower-risk funds rather than higher-risk funds. Although the value of lower-risk funds can go down as well as up, changes in value are not generally as dramatic as those experienced by higher-risk funds. Traditionally, they provide steady returns and are a suitable investment for the short to medium term. Someone approaching retirement might also think about investing partly in cash, particularly if they plan to take some of their account as tax-free cash when they retire, and are very close to their target retirement age.


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