Mid 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: Growing levels of wealth and earnings

Investment Time Frame: 10 - 20 years

Income Requirements: None, accumulating

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

In this illustration we have assumed that someone in the mid stages of their career may have started to accrue assets and increase their earnings. However, their level of wealth is still likely to be relatively low compared to an individual later in their career. It is more likely that they will have dependants, which may reduce their ability to take risk. Withdrawals cannot be made from a pension until retirement and therefore the timeframe for the investment is still long.

A long time frame increases the chance of recovery from market losses. For someone in their mid career the long time frame for investment must be balanced against built up savings, with the likely focus still remaining 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.