You intend to invest over the short term, extra caution needs to be considered with regard to financial markets and volatility.

You intend to invest over the medium term, extreme financial markets and volatility could play a significant role at the time you decide to withdraw either your capital or income.

As a long term investor your time horizon suits investment into global financial markets, with volatility smoothed out over the period of time.

You have no fixed term for the investment.

You have stated that your capacity for loss is very low, this will be reflected in your overall investment portfolio.

You have stated that your capacity for loss is small to medium, this will be reflected in your overall investment portfolio.

You have stated that large losses would not impact your lifestyle, this therefore can be reflected in your invest strategy.

Your investment liquidity requirement means that your investment portfolio would be adjusted in line with assets that are less volatile, these assets would be more defensive in nature such as fixed interest. You would require this investment if you had to get access to a lump sum of money.

Your investment liquidity requirement means that your investment portfolio would be adjusted in line with assets that are moderately volatile, these assets would be more balanced in nature such as fixed interest with equities. You would may require this investment if you had to get access to a lump sum of money.

Your investment liquidity is very strong and you have no need to encash the investment if you have a sudden requirement for a lump sum. You have cash deposits.

You are a conventional investor and therefore put no restrictions on the assets / investment built into your portfolio.

As you are a sustainable investor your portfolio will be directed to environmental, social, and corporate governance considerations.

As you are an ethical investor your portfolio will be directed to those values.

You are an active investor.

You are a passive investor.

You like to blend your portfolio.

Defensive Investors have the following characteristics;

• Prefer to keep capital safe rather than to seek high returns.
• Lend towards saving money in the bank and not comfortable with stock markets.
• Limited knowledge of financial matters.
• Minimal experience with investing beyond bank accounts.
• Always take a long time to make financial decisions.
• Usually suffer with server regret if decision turn out badly.

Cautious

• Prefer to keep capital safe but could be persuaded for controlled exposure to better returns.
• Prefer saving money in the bank but could consider other types of investments may be better over longer periods.
• Low to moderate knowledge of financial matters.
• Limited experience with investing in financial products, beyond bank accounts.
• Can take a relatively long time to make financial decisions.
• Regulatory suffer with regret if decision turn out badly.

Balanced

• Understand that they have to take investment risk in order to meet their long term goals.
• Willing to take risks with at least some of their available assets.
• Moderate levels of financial knowledge.
• May have some experience investment products that include equities and bonds.
• Relatively quick when it comes to making financial decisions.
• May suffer from some feelings of regret if their decisions turn out badly.

Balanced / Growth

• Happy to take on investment risk, understand that it is crucial for generating returns.
• Willing to take risk with most of their avail assets.
• Moderate to high levels of financial knowledge.
• Usually experienced investors, who have used a range of different investment products in the past.
Able to make up their minds on financial matters and move quickly.
• Sometimes suffer regret when their decisions that turn out bad, but accept occasional poor outcomes as part of a long term investment view.

Growth

• Often looking for the highest possible return, taking risks in order to achieve this.
• Usually willing to take risk with all of their available assets.
• High levels of financial knowledge.
• Experienced investors, sometimes actively managing their own investments.
• Will make quick decisions on financial matters.
• Do not normally suffer regret when their decisions that turn out bad, they accept occasional poor outcomes in pursuit of long term investment goals.