Chartered certified accountants, independent financial advisers and registered auditors

DUMFRIES OFFICE [MAP]:
33/34 Galloway Street, Dumfries DG2 7TN
Tel: 01387 257322
Fax: 01387 269359
galloway@aceggleton.co.uk

ANNAN OFFICE [MAP]:
5 Bruce Street, Annan DG12 5AB
Tel: 01461 204121
Fax: 01461 202579
bruce@aceggleton.co.uk

• The initial consultation for any potential client is free. Please Contact us for an appointment.

• You enter no obligation by doing so and the initial discussion alone will often reveal, or help you identify, those matters that need attention.

• Your first meeting gives you the opportunity to raise concerns and ask questions, to which you will receive explanations and answers in plain language. Many clients, particularly those starting a business, find this to be both highly informative and re-assuring.

Investment Guides: Risk Profiles

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We hope our Investment Guide to Risk Profiles will assist you - click on a link to read more information on that subject:

1. Conservative
2. Cautious
3. Balanced
4. Adventurous
5. Speculative
6. Disclaimer

1. Conservative

Completely risk averse, preferring to place money only on deposit in bank and building society type institutions.

Investments in equity shares are not appropriate and nor are corporate bonds or property.

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2. Cautious

Prepared to accept some degree of risk by investing in broadly based collective funds with a modest exposure to equity shares (in established companies), property and loan stocks, but with minimal overseas exposure, and is able to understand and be comfortable with the investment fluctuating in value, on occasion quite significantly.

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3. Balanced

As cautious, but prepared to invest with more substantial exposure to equity shares (including smaller companies), property and loan stocks, and may have an overseas component in mature markets (with its additional risk/reward potential arising from currency fluctuations) and, increasingly, an investment in emerging markets.

The crunch question for this investor is: you have invested £7,000 just 6 months ago, there has been a sharp fall in the stock market and your investment is now worth £4,900. How do you feel? Relaxed? Comfortable? Or worrying yourself silly? If the latter then you belong in a lower risk category.

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4. Adventurous

As balanced, but may extend to direct investment in individual equities and corporate loan stocks and more narrowly-based industry/activity specific collective funds and a more substantial overseas component, including in emerging markets

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5. Speculative

All investments in equity shares, loan stocks and property related securities contain a speculative element.

However, the speculative investor seeks to actively identify opportunities which have prospects of rapid growth and these almost by definition will be very narrowly-based, niche investments with a consequent severe risk to capital.

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5. Disclaimer

While we hope the above has been found to be useful it is intended only as a general guide, may not reflect the very latest developments in tax law, and cannot be a substitute for professional advice. 

We cannot accept any responsibility for loss occasioned to any person acting or refraining from acting as a result of material contained in this guide.