Before completing this form your financial adviser should already have completed a full fact find:

By now your financial advisor should have already completed a full fact find and, having established your needs and objectives, made a recommendation for a suitable product from the Kenver range. To enable your adviser to fine-tune your attitude to risk for this particular investment, please complete this questionnaire, ensuring all questions are answered and that they are in relation to this particular investment only.

The resultant risk score will vary from one to ten, with one being the least risky and ten the most risky. A risk score of one will result in a suggested portfolio consisting mostly of cash, with ten resulting in a portfolio heavily weighted in equities. Intermediate scores will result in a broader spread of asset classes. Your adviser will explain the relationship between these risk scores and your investment.

The Kenver risk assessment is simply a guide based on information provided and does not take into account your full personal circumstances.

The decision to invest – be it in accordance with your risk assessment score, more conservatively or more aggressively – is always at your discretion.

Section 1: Personal details
Title:
First Name:		Date of birth:
Middle Name(s):		Phone Number:
Surname:		Email Address:
Address:		Post Code:
Section 2: Risk profile questions
How long before you expect to start taking retirement income?
Enter a number of years from 3 to 30: (This time period is very important in the risk assessment process)
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 3 months' after-tax income)
	No
	Yes - but very small
	Less then 6 months salary
	Around 1 years salary
	More than 2 years salary
What is your expectation of future earnings up to retirement? (Select one of the following statements)
	Earnings will decrease / decline
	Earnings will keep pace with inflation
	Earnings will increase ahead of inflation
	Earnings to fluctuate
	I expect to retire shortly
What percentage of your total assets, (IE. pension 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
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
Which statement best describes your objectives for this investment?
	I am risk averse and not prepared to expose my investments to high volatility to earn higher long term returns. Stable annual returns are desired
	I want to achieve higher long term returns and am prepared to experience reasonable levels of volatility
	I want to maximise my long term returns and spend little time worrying about short term market movements
At the beginning of the year you have £100,000 invested. The chart and options below show the performance of five 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? Potential, best and worst case end values:
Portfolio A Portfolio B Portfolio C Portfolio D Portfolio E
	(This chart is for illustrative purposes only and does not reflect the performance of a specific index or fund)
	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
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 the above concerns me
Suppose one 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 recoup your losses?
	Invest more money in the same portfolio?
You are more concerned that your investments grow faster than inflation than you are about returns over any one-year period.
	Strongly agree
	Agree
	Neutral
	Disagree
	Strongly disagree
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 the money to try to improve returns
	Take more risk with some of the 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 saving levels
What is your attitude towards 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 a contract you purchase from an annuity provider using a lump sum of money (EG. Proceeds of your pension fund) to guarantee you an annual income for life or a period of time.
Which of the following statements describe best 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
Section 3: Your investment objectives
Is there a target amount you wish to achieve? If so, what is it?			£
	(This is the total amount at retirement required to provide an income and any tax free cash. In deciding upon your target, please allow for the effects of inflation, investment risk and your tax position).
What is your expected retirement age?			A
After completing this form, please click the send button below (only once); the contents will then be forwarded to Kenver. Your independent adviser will then 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 from 1 (low risk) to 10 (high risk). As mentioned earlier, the risk score is only a guide, and you can decide, with the help of your adviser, to invest more conservatively or more aggressively.
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