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Testimonials

Ms B of Borough Green

"I am pleased that Abacus Advice contacted me about my pension. The advice I was given was helpful, friendly and down to earth and my pension fund is performing much better after having taken their advice."

Mr G of New Malden

"I am delighted with the service. I was surprised how complex my pension matter turned out to be but my adviser dealt with it admirably. Communication was just right and everything was explained in plain English. The charges were reasonable and I would be please to use Abacus Advice Ltd again."

Mr B of Rotherham

"I would just like to say how professional abacus advice ltd are,nothing is to much trouble for them,if they say they are going to call you,they do,if you don't understand anything they try to explain them in layman's terms,which makes it easier and you can contact them virtually anytime with any queries you may have,Mike Hardy the chap I dealt with was more like an old friend by the time my pension was all sorted,would definitely recommend this company to anyone,10/10 abacus advice,thank you."

Contact Details

Abacus Advice Limited
3 Station Road
Borough Green
Sevenoaks
Kent
TN15 8ER

Telephone 01732 881188
Fax 01732 881213
Email enquiries@aaltd.co.uk

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Risk profile questionnaire for retirement

This form is to be used by your suitably qualified financial adviser to help assess your tolerance to investment risk.

Personal Details

Title:	Mr	Mrs	Miss	Other
Surname:
Full Forenames:
Date of birth:	(DD/MM/YYYY)
Postcode:
email

Risk profile questionnaire

1. How long before you expect to start taking retirement income

Enter number of years

Enter number of years

2. Do you have an emergency fund to provide for unexpected expenses, so as to avoid drawing on medium to long term savings to meet immediate needs? (This fund should be equal to at least three months after tax income.)

No
Yes – but very small
Less than 6 months’ salary
Around one year’s salary
More than two years salary

3. What is your expectation of future earnings up to retirement?

I expect my earnings to decrease:
I expect my earnings to keep pace with inflation
I expect my earnings to increase somewhat ahead of inflation
I expect my earnings to fluctuate
I expect to retire shortly

4. What percentage of your total assets, (i.e. pensions and other investments, excluding your home) are you proposing to invest now?

Less than 25%
25% to less than 50%
50% to less than 75%
75% or more

5. Which statement most closely reflects your current financial situation?

I am completely debt free
I am mortgage free but have a few other obligations
I have a reasonable mortgage but no other debts
I have a mortgage and a few other obligations
I have a lot of obligations

6. Which statement best describes your objectives for this investment?

I am risk averse and not prepared to expose myself to high volatility to earn higher returns. Stable annual returns are desired
I want to achieve higher long term returns and am prepared to tolerate reasonable levels of volatility
I want to maximise my long term returns and spend little time worrying about short term market movements

7. At the beginning of the year you have £100,000 invested. The chart and options below shows the performance of 5 different hypothetical investments. Each bar gives a range of possible values at the end of the same year. Which investment are you most happy with?

This chart is for illustrative purposes only and does not reflect performance of a specific index or fund - click to enlarge

Portfolio A: £114,000 to £96,000
Portfolio B: £124,000 to £90,000
Portfolio C: £131,000 to 84,000
Portfolio D: £138,000 to £78,000
Portfolio E: £144,000 to £72,000

8. What level of fall in the value of this portfolio over a one-year period would concern you, bearing in mind that equity investment requires a long term view?

0% to just under 5%
5% to just under 10%
10% to just under 15%
15% to just under 20%
None of these concern me

9. Suppose 1 year ago you invested £100,000 in a portfolio. The market value has gone down during the period and your investment is worth £87,000. Would you:

Sell the portfolio and invest the proceeds in a less volatile investment?
Sell part of the portfolio and invest the proceeds in a less volatile investment?
Sit tight expecting the portfolio to recover?
Sell the portfolio and invest the proceeds in something riskier to try to recoup your losses?
Invest more money in the same portfolio?

10. You are more concerned that your portfolio grows faster than inflation than you are about returns over any one-year period.

Strongly agree
Agree
Neutral
Disagree
Strongly disagree

11. If you were advised that your current fund and future savings are not sufficient to meet your retirement goals, what action would you take:

Take more risk with all of your money to try to improve returns?
Take more risk with some of your money and increase savings a little?
Increase savings sufficiently to meet your goals?
Amend your goals and make no change to the investment risk or savings level?

12. What is your attitude toward purchasing an annuity* to provide income in your retirement?

Preferred option to any other form of retirement income provision
Would only buy an annuity if the terms were attractive compared to other investments
Annuity would not be considered unless forced by circumstances at the time
*Annuity- This is the contract you purchase from an annuity provider using a lump sum of money (e.g. proceeds from you pension fund) to guarantee you and income for life or a period of time.

13. Which of the following statements best describe your other retirement provisions?

Only state pension benefits
Modest amount of other personal and/or company pensions
Substantial amount of other personal and/or company pensions
Substantial amount of personal and/or company pensions and other savings

Your investment objectives

1. Is there a target amount you wish to achieve? If so what is it? This is the total amount at retirement required to provide and income and any tax free cash. In deciding upon your target, please allow for the affects of inflation, investment risk and your tax position.

(£)

(£)

2. What is your retirement age?

Years

Years

Your financial adviser will compute a suggested risk score and asset allocation. The risk score gives an indication of the level of risk you may be prepared to take with this investment on a range of 1(low risk) to 10 (high risk). The score is only a guide and you can decide, with the help of your financial adviser, to invest more cautiously or more aggressively.

Optional Free Report

If you would like us to provide you with details of how your existing pension/s fit your current risk profile please enter details below:

OPTIONAL FREE REPORT REQUIRED?

YES

	Pension Provider		Plan Number
1.		-
2.		-
3.		-
4.		-
5.		-
6.		-
7.		-
8.		-
9.		-
10.		-