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Understanding your goals

So that we can tailor the right investment solution for you, it's crucial we understand:

  • your financial circumstances and goals
  • your time horizon
  • your attitude to risk

A critical part of the information we gather is centred on our risk questionnaire, which we'll ask you to complete either with us or with your adviser.

  • You may have successfully sold your business and find that you have financial freedom
  • You might be thinking about providing for your children's/grandchildren's future
  • You could be approaching or already in retirement, and need to sustain a comfortable level of income
  • You may want to make sure you're leaving enough for your family after you are gone.

Different goals may mean different investment solutions

Growth

You want to grow your wealth and are generally willing to accept a higher level of risk for a potentially higher expected level of return. Standard Life Wealth offers a range of investment options, from volatility-managed portfolios that target a specific return to more conventional investments in equities, bonds and property.

Your priority may be to maintain the value of your existing wealth over other options such as growth. You may therefore prefer to avoid short-term fluctuations in the value of your portfolio. Standard Life Wealth's highly diversified, volatility-managed portfolios that target a specific return may be suitable in this instance.

Income

You may want to generate income within your portfolio through regular interest and dividends. We can select investments which we believe are likely to deliver a consistent level of income over your time horizon.

You may opt to generate a predictable income by drawing down regular amounts from your current wealth. Key to a sustainable outcome is ensuring that your portfolio aims to deliver consistent returns and low volatility, as you may not have the flexibility and time needed to ride out volatility in markets. Our highly diversified, volatility-managed portfolios are perfectly suited to this and can be tailored to help deliver your goals.

As with any investment, the value can go up or down, and may be worth less than you paid in.

If you want to find out more about our independent discretionary fund management service, we'll arrange a meeting with a Client Portfolio Manager. They'll put together a detailed personal proposal with you.