Risk Profile

Questionnaire Request

Thank you for requesting an online Risk Profiling Questionnaire

  • You will receive an email from stevemilford@pwsfc.co.uk (please check your spam and junk folders) within the next 24 hours.
  • If you do not receive the link please contact us by using the form at the bottom of the page.
  • The link to the questionnaire will be available for 7 days.
  • When you have completed the questionnaire, you will receive a PDF password protected report within 24 hours.

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Risk Profile Guide

What is an SSL Certificate?

An SSL (Secure Sockets Layer) certificate is a digital certificate that authenticates the identity of a website and encrypts information sent to the server using SSL technology. Encryption is the process of scrambling data into an undecipherable format that can only be returned to a readable format with the proper decryption key.

Risk Profiling Process Overview

We have designed the risk profile questionnaires (investment experience, attitude to risk and capacity for risk) to be answered by the client without the adviser needing to be present.

Attitude to Risk

When asked directly, clients find it hard to define the level of financial risk they are willing to take. Psychometric questionnaires are a way to measure where a client’s position relative to the broader population on a specific set of personality traits. The distribution of client attitudes to risk from the Dynamic Planner attitude to risk questionnaires resembles a normal distribution, with the majority of responders falling in the risk profile range from 4 – 8.

Capacity for Loss

Risk questionnaire can facilitate a discussion between the client and adviser to assess the affordability of the investment. Like the investor experience questionnaire: the adviser must consider client’s responses against the values in the ‘potential losses and gains’ table to validate that a client can cope with different outcomes from the investment. If not, a different risk profile should be selected.

Potential Limitations of the Risk Profiling Process

The attitude to risk questionnaire will only assess the risk a client is willing to take – it does not assess the
amount of risk a client can afford to take, which is done through the capacity for risk questionnaire.
It is also important to consider that the Dynamic Planner Risk Profiling Process focuses largely on investment
risks due to market movements. There are other risks such as investment liquidity, currency, political risks and
other aspects such as dependents and tax positions that must also be considered.