Attitude to Risk

Your attitude to risk is one of the most important elements in deciding how to take benefits from your accumulated pension funds. If you are considering the use of something other than a conventional annuity to provide you with an income in retirement, it is essential that your attitude to investment risk is assessed. This will confirm whether you are prepared to accept future fluctuations in your income and the value of your funds. It is also the key to determining how your pension funds are invested.

Attitude to risk has traditionally been expressed in terms such as cautious, balanced or speculative, however we apply a more rigorous approach to determining your personal attitude to risk. By discussing topics such as:

• Short-term fluctuations in your investments
• Inflation
• Returns against inflation
• Timescales for investment