Our three risk-rated portfolios

Our Navigator Portfolio service provides three risk-rated portfolios to choose from; Cautious, Balanced and Adventurous.

Dynamic Planner is the UK’s most widely used digital risk profiling and financial planning service. Dynamic Planner is used by many thousands of financial planners and a wide range of financial institutions to ensure investment suitability. Find out more about Dynamic Planner and their risk profiles here.

Cautious investor

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A cautious investor is potentially looking for returns that are better than those obtained from cash and will accept some volatility, or movement in prices, up and down. Cautious investors are likely to be risk averse and the preservation of nominal capital is important over all timeframes – even if this means that the portfolio fails to keep up with inflation. The risks relative to world equity markets will be typically between 40% and 60% although potentially they may move outside this range on a shorter term basis.

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Balanced investor

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A balanced investor is potentially looking to match risk and reward; primarily aiming to preserve the real value of their capital. They accept that investments are inherently volatile and are prepared to accept some volatility in the short term in order to secure longer term gains. The risks relative to world equity markets will be typically between 60 and 80% although potentially it may move outside this range on a shorter term basis.

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Adventurous investor

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An adventurous investor is prepared to accept significant risk in pursuit of real returns ahead of inflation. As a result, they will recognise that this may result in high levels of volatility, that is, movements up and down over all timeframes. They will be prepared to accept this volatility due to their likely focus on growth. The risks relative to world equity markets will be typically between 80% and 110% although potentially it may move outside this range.

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To find out more call us on 0800 877 8866