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In an effort to grow your wealth, can you afford to lose any money over the next two years?
When do you need this money, or how long do you want to hold on to this investment?
Feel free to put a timescale range in here. 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 three months’ after‐tax income.)
What is your expectation of your future income (earnings) over the next five years?
What percentage of your total assets (excluding your home) are you proposing to invest now/ is currently invested?
Which Statement most closely reflects your current financial situation?
Which statement best describes your objectives for this investment?
At the beginning of the year you have £100,000 invested. The chart and options below show the performance of four possible investments. Each bar gives a range of possible values at the end of the same year. Which investment would you prefer?
What level of fall in the value of this portfolio over a one‐year period would concern you, bearing in mind that investment in shares requires a long‐term view?
Suppose one year ago you invested £100,000 in a portfolio. Today you’ve checked its value and find it is now worth £87,000. How would you feel?
You are more concerned that your investments grow faster than inflation, than you are about returns over any one year period.
If you were advised that your current fund and future savings are not sufficient to meet your retirement goals, what action would you take?
What is your attitude towards purchasing an annuity* to provide income in your retirement?
*Annuity – This is the 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 best describes your other retirement provisions?
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 & your tax positions.
What is your expected retirement age?
We will input your answers into an Online Risk Profiler, which will compute a suggested risk score. The risk score gives an indication of the level of risk you may be prepared to take with your investments on a range from 1 (low risk) to 10 (high risk).
The risk score is only a guide, and you can decide, with our help, to invest more conservatively or more aggressively.
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