High risk
No more than a 10% chance of your portfolio falling more than 30% in the next 12 months. We benchmark performance of this category against UK index funds.
View our high risk portfolios
Personal attitude to risk is hard to measure and can be changeable, what feels comfortable one day might not the next. At MVAM we help you to understand the risk you are able and comfortable to take with your money today and work with you if things change in the future. Use the Haretoise to find suitable portfolios for you.
No more than a 10% chance of your portfolio falling more than 30% in the next 12 months. We benchmark performance of this category against UK index funds.
View our high risk portfolios
No more than a 10% chance of your portfolio falling more than 20% in the next 12 months. We benchmark performance of this category against UK index funds.
View our adventurous risk portfolios
No more than a 10% chance of your portfolio falling more than 15% in the next 12 months. Performance will be measured against a blend of 80:20 equity: bond index funds.
View our moderate risk portfolios
No more than a 10% chance of your portfolio falling more than 12% in the next 12 months. Performance will be measured against a blend of 60:40 equity: bond index funds.
View our low risk portfolios
For cautious investors, we will only invest in cash or cash-type instruments so there is minimal risk of losing money, but also the minimal chance of making more than the prevailing interest rate. As cautious investors are only invested in cash or cash-type interests we use the Bank of England base rate as a benchmark for this category.
View our cautious risk portfoliosUsually, the higher the risk you are willing to take, the higher the potential returns could be – but equally, the higher the risk of losing your money too.
Low-risk investments are likely to offer lower rewards but have less risk attached too. You have to choose the options you are comfortable with.
Your attitude to risk can of course change over time. You might become much less risk-averse if you came into a big sum of money, for example, or much more risk-averse if you start to have a family and need to think about securing your children’s future too.
Use the following steps to get an idea of your risk appetite.
Ask yourself what would happen if you lost some or all of the money you’re putting into investments.
This will depend on your circumstances and how much of your money you’re investing.
Think about people who depend on you financially and any other important financial commitments you need to be sure of meeting.
Your saving and investing choices will depend on your goals and timescales.
The bigger your goal in relation to the assets or income you wish to invest, the greater the rate of return required to beat inflation and hit your goal.
Taking no risk at all might make your goals impossible to achieve, taking too much might lose you your investment.
At any one time you might have a mixture of short-term or critical goals for which you want low risk (such as saving up to move house), and some non-critical or long-term goals for which you have a higher appetite for risk (for example, saving into a treats fund, or saving towards retirement).
A good way to manage risk is to spread your money across a range of different investment types.
When stock markets are rising, we tend to feel comfortable with market risk, when they are falling, we do not.
Most people are not comfortable with the idea of losing money. On the other hand, we might regret it if we’ve been very cautious and our long-term investments don’t produce the returns we need.
We work with you to keep risks in line with your risk appetite and can spread your money across a range of different investments.
Mole Valley Asset Management is authorised and regulated by the Financial Conduct Authority. Registered No. 613008 (www.fca.org.uk), 12 Endeavour Square, London E20 1JN
Mole Valley Asset Management, Registered in England No 08600041. Registered office: 275 High Street, Dorking, Surrey, RH4 1RY
MVAM Financial Advice is a trading style of Mole Valley Asset Management Limited which is authorised and regulated by the Financial Conduct Authority.