Our investment team have recently reviewed and updated our risk-rated Portfolio options based on their detailed analysis of the investment market. We now invite you to review your current investments to keep them aligned with your objectives.

TIMESCALE: Your attitude to investment risk is not set in stone, it should change and evolve as your circumstances, priorities and objectives do. It is also important to understand that the risk profile you assign to your investments is not necessarily the same as your personal attitude to risk. Riskier investments require a long-term view, while investments that might need to be encashed in the shorter-term should be held in lower risk (less volatile and more cautious) assets. A longer investment period allows a less cautious approach.

CAPACITY FOR LOSS: If you are comfortable accepting the possibility of a degree of capital loss or fluctuation in the value of your investment, the degree of volatility will depend on two principal factors:

1) Affordability - if you are immediately dependent on your capital for income, you will have less capacity for loss than those who are not. Similarly, the importance of your portfolio to your overall financial security and total income are factors in assessing your capacity for loss.

2) Preferences - even though overall circumstances may mean that you can afford to be highly tolerant of losses or fluctuations in value, your personal preference may be to avoid being exposed to so much risk.


INFLATION RISK: The value of certain lower risk assets can be eroded by inflation. Cash deposits earning a low rate of interest fall in value when inflation exceeds the interest rate. When you have the time available, you need to ensure that the future buying power of your money is maintained as much as possible, and this may mean investing in assets that are more risky than cash deposits.

REFLECTING CHANGE: We select a broad mix of asset classes from varying geographical areas with contrary investment styles, so elements within each portfolio will react differently to changing economic conditions. This helps to control risk and reduce volatility. A Cautious portfolio will always remain cautious and a Speculative portfolio will continue to be just that, whatever the market outlook. But it may well be that your attitude to risk or circumstances have changed since your last review.

If you need any help contact us via EEWealthcare@atomos.com