Download GIA(net) Portfolio Summary

GIA(net) Portfolio Summary
The portfolios below are explained in more detail in the individual portfolios sheets.
Risk Level 1 – very cautious investor
You wish to take only limited risk on your investment and are prepared to accept
lower returns in order to preserve your capital. You do not want sharp fluctuations
in the value of your investments and you accept the risk of achieving returns that
may be below the level of inflation. This portfolio will typically consist of a high
concentration of short-dated gilt and bond funds.
The portfolio risk assessment is targeted at a time horizon of 1 year or longer.
Should you wish to invest for a shorter period, you should speak to your Adviser to
understand the potential impact.
Risk Level 2 – very cautious investor
You wish to take only limited risk on your investment and are prepared to accept
lower returns in order to preserve your capital. You do not want sharp fluctuations
in the value of your investments and you accept the risk of achieving returns that
may be below the level of inflation. This portfolio will typically consist of mainly
short-dated gilt and bond funds. In addition it may typically contain longer-dated
fixed income funds and at times, equity funds.
The portfolio risk assessment is targeted at a time horizon of 3 years or longer.
Should you wish to invest for a shorter period, you should speak to your Adviser to understand the potential impact.
Risk Level 3 – cautious investor
You wish to take only limited risk on your investment and are prepared to accept
lower returns in order to preserve your capital. As a cautious investor you would
prefer to keep most of your investments on deposit or in lower risk assets but would
be willing to invest in other types of investments if they were likely to be better for
the long term. This portfolio will typically mainly contain fixed income instruments.
In addition it may have exposure to equities and gold, as and when deemed
appropriate by the funds’ volatility and expected returns for that month.
The portfolio risk assessment is targeted at a time horizon of 3 years or longer. Should you wish to invest for a shorter period, you should speak
to your Adviser to understand the potential impact.
Risk Level 4 – cautious investor
You wish to take only limited risk on your investment and are prepared to accept
lower returns in order to preserve your capital. As a cautious investor you would
prefer to keep most of your investments on deposit or in low risk assets but would
be willing to invest in other types of investments if they were likely to be better for
the long term. This portfolio will typically contain a larger portion of fixed income
funds than equity funds. The particular choice of funds will be determined by the
funds’ volatility and expected returns for that month.
This portfolio risk is targeted at a time horizon of 3 years or longer. Should you wish to invest for a shorter period, you should speak to your
Adviser to understand the potential impact.
Risk Level 5 – balanced investor
As a balanced investor it is likely that you will understand the need to take a higher
level of investment risk in order to generate superior returns and meet your
investment goals. You are willing to take risk with at least a part of your portfolio.
This portfolio will typically be diversified across asset classes. The particular choice
of funds will be determined by the funds’ volatility and expected returns for that
month.
This portfolio risk is targeted at a time horizon of 5 years or longer. Should you wish
to invest for a shorter period, you should speak to your Adviser to understand the potential impact.
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Risk Level 6 – balanced investor
Your Adviser has assessed your risk profile level as 6. As such, you may be thought of
as a ‘balanced’ investor. As a balanced investor it is likely that you will understand the
need to take a higher level of investment risk in order to generate superior returns
and meet your investment goals. You are willing to take risk with at least a part of
your portfolio. This portfolio will typically be diversified across asset classes. The
particular choice of funds will be determined by the funds’ volatility and expected
returns for that month.
This portfolio risk is targeted at a time horizon of 5 years or longer. Should you wish
to invest for a shorter period, you should speak to your Adviser to understand the potential impact.
Risk Level 7 - adventurous
As an adventurous investor you are prepared to take on additional investment risk in
order to generate higher returns. You understand that this is fundamental to
achieving superior long term returns and recognise that there will be a greater
variability of returns in doing so. The particular choice of funds will be determined by
the funds’ volatility and expected returns for that month. The portfolio construction
process will select the least volatile funds to shield from downsides and benefit from
upsides, thus it may be possible for higher-risk portfolios to contain more fixed
income funds than is typical at times.
This portfolio risk is targeted at a time horizon of 5 years or longer. Should you wish to invest for a shorter period, you should speak to your
adviser to understand the potential impact.
Risk Level 8 – very adventurous
Your adviser has assessed your risk profile level as 8. As such, you may be thought of
as an ‘adventurous’ investor. As an adventurous investor you are prepared to take
on additional investment risk in order to generate higher returns. You understand
that this is fundamental to achieving superior long term returns and recognise that
there will be a greater variability of returns in doing so.
The particular choice of funds will be determined by the funds’ volatility and
expected returns for that month. The portfolio construction process will select the
least volatile funds to shield from downsides and benefit from upsides, thus it may
be possible for higher-risk portfolios to contain more fixed income funds than is typical at times.
This portfolio risk is targeted at a time horizon of 5 years or longer. Should you wish to invest for a shorter period, you should speak to your
adviser to understand the potential impact.
Risk Level 9 – very adventurous
Your adviser has assessed your risk profile level as 9. As such, you may be thought
of as a ‘very adventurous’ investor. As a very adventurous investor you will take on
substantial levels of investment risk in order to generate the greatest possible
returns on your assets. Very adventurous investors understand that the variability
of short term returns will be significantly higher. The particular choice of funds will
be determined by the funds’ volatility and expected returns for that month. The
portfolio construction process will select the least volatile funds to shield from
downsides and benefit from upsides, thus it may be possible for higher-risk
portfolios to contain more fixed income funds than is typical at times.
This portfolio risk is targeted at a time horizon of 5 years or longer. Should you wish to invest for a shorter period, you should speak to your
adviser to understand the potential impact.
Risk Level 10 – very adventurous
As a very adventurous investor you will take on substantial levels of investment risk
in order to generate the greatest possible returns on your assets. Very adventurous
investors understand that the variability of short term returns will be significantly
higher. The particular choice of funds will be determined by the funds’ volatility and
expected returns for that month. The portfolio construction process will select the
least volatile funds to shield from downsides and benefit from upsides, thus it may
be possible for higher-risk portfolios to contain more fixed income funds than is
typical at times.
This portfolio risk is targeted at a time horizon of 5 years or longer. Should you wish to invest for a shorter period, you should speak to your
adviser to understand the potential impact.
NSPS-0814