Risk Report



Free Risk Report

Existing clients can login to the Client Portal to view their risk profile and are also able to complete a new questionnaire to reassess their risk profile.

We are offering a free risk report to potential new clients, please click the button below to access the risk questionnaire. On receipt of the completed form, we will email you a risk report free of charge and without obligation.

Please read the importance of establishing attitude to risk and our risk assessment process before proceeding to the questionnaire.

Limitations of the report

• The report uses financial data provided by FE Analytics which looks at historic performance over the last 20 years. There is no guarantee that any past performance can be replicated or relied upon. It is solely down to you and your adviser to use their skill in selecting the appropriate investments for you and your goals.

• The data in the report looks at long term portfolio returns which are based on what we call ‘Strategic Asset Allocation’. A talented fund manager could in theory ‘read the market’ and go overweight (buy more) or underweight (buy less) of an asset class in order to maximum return or minimise risk. This is known as ‘Tactical Asset Allocation’ but in theory this might actually increase risk because they could of course get it wrong.

• The analysis of returns does not take good fund selection into account. It is the job of the adviser to select investment solutions which outperform the sector average used in this report. In theory, good fund selection should outperform the sector average but again the adviser could get this wrong and returns could be lower.

• The charges used in the report assume that standard retail charges were applied within the funds that make up the underlying sectors. In theory, many of these funds would be available to your adviser at a significant discount which would increase return. Equally, any remuneration paid to your adviser from the fund would decrease returns.

• The effect of previous unforeseen events is clearly inherent in any past performance statistics. The question is how unforeseen events in the future will alter returns. World events such as natural disaster, political unrest, terrorism and war have always presented a downside risk to your investments.




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The Financial Ombudsman Service (FOS) is available to sort out individual complaints that financial services businesses and their clients are unable to resolve. To contact FOS please visit them at The guidance and/or advice contained within this website is subject to the UK regulatory regime, and are therefore targeted at consumers based in the UK. Initiate Wealth Management Ltd is an Appointed Representative of Best Practice IFA Group Ltd which is authorised and regulated by the Financial Conduct Authority. FCA Number 576709.

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