Early Career

Our case studies are designed to illustrate how a portfolio could be constructed according to a level of risk and how this may change as goals are approached.  The different case studies are based on a typical wealth cycle for pension planning using different stages of life. 

The case study focusses on an investor's ability to take risk  and does not make any assumptions about the level of risk that someone is willing to take, as individual's willingness to take risk is unique and subjective.

In addition, it is important to remember that your individual circumstances may affect your risk profile and your financial adviser will help you to assess this. The purpose of this section of the website is to provide an example illustration based on the following assumptions.

Wealth & Earnings: Relatively low wealth, Relatively low earnings

Investment Time Frame: More than 20 years

Income Requirements: None, accumulating

Typical goals: Debt repayment, saving to buy future assets (e.g. a property) and saving for retirement

In this illustration we have assumed that someone in the early stages of their career will have relatively low levels of wealth and earnings, but a very long timeframe, which cannot be shortened as withdrawals cannot be made from a pension until retirement. 

Longer time frames increase the chance of recovery from market losses. Therefore, someone in this position may decide to ignore their lower levels of wealth and earnings in order to focus on maximising long term growth of the portfolio value.

Past performance is no guarantee of future performance. The value of investments and the income derived from them can fall as well as rise and investors may get back less than they invested.