We know that different styles of investing are right for the different individual goals clients have. So that we can tailor the right investment solution for them, it's crucial we understand your clients' circumstances and goals, time horizon and attitude to risk.
They may have a different time horizon for each goal, and may be willing to take more risk with one goal than with another.
Aberdeen Standard Capital can provide appropriate investment solutions across many potentially different goals, e.g. capital growth, investing for future generations and retirement.
Financial goals can generally be divided into three categories:
Some clients may wish to achieve a combination of these goals.
Clients aiming to grow their wealth are generally willing to accept a higher level of risk for a potentially higher expected level of return. Standard Life Wealth offers a range of investment options for these clients, from volatility managed, target return portfolios to more conventional investments in equities, bonds and property.
For some clients, the priority is to maintain the value of their existing wealth over other options such as growth. They may therefore prefer to avoid short-term fluctuations in the value of their portfolio. In this case, a highly diversified, volatility-managed portfolio may be suitable for these clients.
Clients may want to generate income within their portfolio through regular interest and dividends. We can select investments which we believe are likely to deliver a consistent level of income over their time horizon.
Clients may opt to generate a predictable income by drawing down regular amounts from their current wealth. Key to a sustainable outcome is ensuring that their portfolio aims to deliver consistent returns and low volatility, as clients often don't have the flexibility and time needed to ride out volatility in markets.
Again, a tailored, highly diversified, volatility-managed approach may be the most suitable in this instance, to help the client achieve their goals.
As with any investment, the value of your portfolio can go up or down, and may be worth less than your client paid in.