Established 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 high levels of wealth and peak earnings

Investment Time Frame: 5 - 10 years

Income Requirements: None, accumulating

Typical goals: Growing assets, financial security and saving for retirement

In this illustration we have assumed that someone with an established career has built up and is continuing to build assets and is more likely to be considering options for retirement. Earnings are reaching peak levels and living costs are diminishing relative to those earnings.

In this period, disposable income is more likely to be saved for retirement, building assets at a faster rate, which provides a greater capacity for loss. However, although still relatively long, the time frame for the investment is shorter than someone earlier in their career, which will limit risk.

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.