Portfolio Doctor

The Doctor will see you now!

Portfolio Doctor helps you measure your portfolio’s performance over time against a benchmark so you can see if you are over or under-performing. It also delivers a host of other useful information about your holdings.

But, before you go in, we need to ascertain your risk profile.

You have two choices:

1. Pick your risk profile yourself - choose one of the risk levels in the panel below:

• Very low risk
• Low risk
• Medium risk
• High risk
• Very high risk

2. Go through our insightful "attitude to risk" questionnaire (takes around 15 minutes)

Take the questionnaire

Notes on risk levels:

Very Low Risk (green)

A predominant industry classification restricts these funds to include a maximum equity exposure of up to 60%, coupled with at least 30% invested in fixed interest and cash. Cautious managed portfolios are effectively tailored to include an allocation between stocks and bonds that are designed to provide both income and capital appreciation while avoiding excessive risk. They should be held over the longer term, with a five year view, and are aimed at risk averse investors seeking capital preservation, with an exposure to bonds and equities in order to generate returns above simply holding cash.

Low Risk (pale green)

This refers to funds which invest in a range of assets with a maximum equity exposure restricted to 60% of the fund and with at least 30% invested in fixed interest and cash.  Assets must be at least 50% in Sterling/Euro and equities are deemed to include convertibles.

Medium Risk (pale orange)

This refers to investments in a range of assets, with the maximum equity exposure restricted to 85% of the fund. At least 10% of the total fund must be held in non-UK equities. Assets must be at least 50% in Sterling/Euro and equities are deemed to include convertibles.

High Risk (mid orange)

This refers to investments in a range of assets, with the  Fund Manager being able to invest up to 100% in equities, at their discretion. At least 10% of the total fund must be held in non-UK equities. There is no minimum Sterling/Euro balance and equities are deemed to include convertibles. At any one time the asset allocation of these funds may hold a high proportion of non-equity assets such that the asset allocation would, by default, place the fund in either the Balanced or Cautious sector. These funds would remain in this sector on these occasions since it is the Manager's stated intention to retain the right to invest up to 100% in equities.

Very High Risk (Red)

Very high risk funds invest up to 100% in the equity markets and will often focus on developing nations or early stage companies where the potential for gain or loss is very high. Many emerging markets funds are classed as very high risk as are venture capital funds.

As always risk shouldn't be viewed as bad - it is understanding the relationship between potential growth and potential loss. The higher the potential gain, the more you become exposed to similar levels of loss.

Important Information

These products are ‘Execution Only’.  We will present information to you so that you can make an informed decision – but the decision is yours as to which investment you decide to invest in.

Please be aware of the risks involved The price and value of investments and their income fluctuates and you may get back less than you invested. Past performance is no guarantee of future performance. Tax treatment depends on your individual circumstances and may be subject to change. If in any doubt, please consult a financial adviser.