Risk Assessment

Assessing your attitude to risk

Answer the questions below to assess your attitude to risk. Please answer each question as honestly as you can.

I am apprehensive about the idea of investing in stocks and shares*

Strongly agree - it terrifies me
Agree - I haven't got much experience of investing in them
It doesn't really bother me
Disagree - it doesn't really faze me
Strongly disagree - I'm comfortable with stocks and shares

I am comfortable taking risks in my everyday life*

Yes, I am definitely a big risk taker
Agree - I don't mind taking a chances to get better things
I couldn't really say one way or the other
Disagree - I'm really quite cautious on the whole
Strongly disagree - I consider myself an extremely cautious person

I really don't want to make a loss and am willing to forgo returns as a result*

Yes, capital preservation is my absolute priority
I am willing to accept lower returns for a bit more safety
Returns are important too, I want an even balance
No, I'd prefer to take a bit more risk in exchange for a higher potential return
Definitely not - returns are all important I'm willing to take a chance

When you have to make a decision about a financial matter, are you always scared you'll make the wrong decision?*

Always - I don't feel confident making a decision without a second opinion
I have been known to be slightly aprehensive
Sometimes yes, sometimes no
No, I'm quite decisive with my finances
Never, I am confident and have faith in my financial decisions

Which of the following do you most associate the word 'risk' with?*

Imagine you're told that from now on, you're only allowed to keep your money in the bank. Which of these sums up your reaction?*

Well, at least I won't lose it in there
You're puzzled but at least you won't have to worry about where to invest
You don't really mind
You mourn the loss of your investment freedom
Outrageous - interest rates are far too low in the bank

Whenever someone has tried to explain investing or some finance-related concept to you, you...*

Seem to have an intuitive knack for it and find it easy to understand
Follow along and get the idea well enough
Feel as if it's a bit hit and miss - some bits are ok, some bits don't come easily
Try your best but most of it goes over your head
Don't understand it at all

You're willing to take substantial financial risk if it means there's potential for substantial returns*

Strongly agree - I can afford to take the risk anyway
Yes, this would probably be me
I can't decide either way
No, I think I'd prefer security even if it meant a lower return
No - I'd never take substantial financial risk with my money

If you made a loss on your investment, how would it affect you?*

I would be at a loss as to what to do
I would be really affected by this
I would be bothered
Not much - take the troughs with the peaks
I would stay calm - I never invest more than I can afford to lose

A relative dies and you are left with a fairly large sum of money. You have two choices, to put it in an interest free cash account or invest in higher risk funds. Do you?:*

Invest it all in the higher risk option, the best way to make highest returns
Invest most of it in the higher risk product but keep a little back in the bank
Split it 50:50 between the two
Depost most of it in your current account but put a little bit into the high risk product
Deposit it all in your savings account

If you had an investment strategy, which of the following would describe it most aptly?*

Very cautious please.
Better to be safe than sorry.
A careful balance between risk and security must be maintained.
No reward without risk.
I want to make large returns and am not particulalrly concernd about the downside.

Risk Score*

CPN Risk Evaluator

Step 1 of 5 - Introduction

Just a few details before we begin...

Investing experience

Assessing your attitude to risk

Capacity for loss