Discussing your risk profile score

Your resulting risk profile score is an indication of the extent to which you are prepared to accept a short-term fall in the value of your investments as markets go through their ups and downs. These fluctuations in the value of investments are also known as their volatility. If your score is 1, then low volatility investments such as cash or bank deposits could be the resulting investment recommendation. If your score is 5, then we might recommend a portfolio which includes investments in asset classes such as emerging markets, whose higher expected volatility is matched by greater growth potential.

Before proceeding to make recommendations based on your score, we want to be sure that you understand what that score number means and what its implications are.

We will discuss with you how investment gains and losses might differ between different risk levels, to give you a better idea of the outcome you could expect at each level. In this way we can agree with you whether your risk rating accurately matches your true attitude to risk. Whatever the result of that initial discussion, we will carry out the same process each year at the annual review stage to ensure that your circumstances have not changed and that your attitude to risk remains the same.

The Financial Services Authority does not regulate trust or tax advice.

Investments and the income from them may fall as well as rise in value.

You may get back less than you invested.

DTE Risk & Financial Management Limited is Authorised and regulated by the Financial Services Authority

Registered office: DTE House, Hollins Mount, Bury BL9 8AT  Company number 01967512 (England)