You may have a different time horizon for each of your goals, and you may be willing to take more risk with one goal than another.
So that we can tailor the right investment solution for you, it's crucial we understand:
A critical part of the information we gather is centred on our risk questionnaire, which we'll ask you to complete with us or with your adviser.
Financial goals can generally be divided into three categories:
You want to grow your wealth and are generally willing to accept a higher level of risk for a potentially higher expected level of return. Aberdeen Standard Capital offers a range of investment options, from volatility-managed portfolios that target a specific return to more conventional investments in equities, bonds and property.
Your priority may be to maintain the value of your existing wealth over other options such as growth. You may therefore prefer to avoid short-term fluctuations in the value of your portfolio. Aberdeen Standard Capital's highly diversified, volatility-managed portfolios that target a specific return may be suitable in this instance.
You may want to generate income within your portfolio through regular interest and dividends. We can select investments that we believe are likely to deliver a consistent level of income over your time horizon.
You may opt to generate a predictable income by drawing down regular amounts from your current wealth. Key to a sustainable outcome is ensuring that your portfolio aims to deliver consistent returns and low volatility, as you may not have the flexibility and time needed to ride out volatility in markets. Our highly diversified, volatility-managed portfolios are perfectly suited to this and can be tailored to help deliver your goals.
If you want to find out more about our independent discretionary fund management service, we'll arrange a meeting with one of our Client Portfolio Managers. They'll put together a detailed personal proposal with you.
As with any investment, the value of your portfolio can go up or down, and may be worth less than you paid in.