Learn more about your tolerance for risk

This section will help you understand your attitude to risk, adopting a scientific approach. Money Guidance has taken time to evaluate the risk assessment tools on offer to financial advisers and has also considered current regulatory guidance before making available the FinaMetrica product.

Money Guidance Community Interest Company meets the cost of the relevant licence fee so you may build on your understanding of this important area of financial planning. There is no catch.

But first, we would like to explain the purpose of this tool and to set its use in an appropriate context.

We are a Community Interest Company.  It is not in our interests for you to execute business on this or any other website without you feeling confident that you have made an informed decision.

  • Remember, risk tolerance is just one of a number of important factors that should be considered in assessing what may be financially suitable for you.  Other considerations you should take into account include your particular needs, objectives and circumstances.
  • By this, there should be reference to your current income and expenditure; previous investment experience; the proportion of total savings/investments represented by any current investment; emergency money needs; planned expenditure over the next few years.
  • This tool will help you assess your attitude to risk, but will not provide you with advice about the investments that are suitable for you.  This said, it can be helpful in shaping your ideas about what kind of generic investment portfolio (if any) you could consider.
  • Ask yourself whether, rather than investing, you would be better placed paying off debt, or whether you should really be thinking about creating an investment portfolio with a view to medium/long term growth when shorter term access to these funds may be needed.
  • Your attitude to risk is one thing, but what about your capacity for loss?(i.e. will any loss of capital have a materially detrimental effect on your living standards?).  Be comfortable that your finances can tolerate any shorter term reduction in the value of riskier investments.
  • By all means, liaise with trusted professionals to “sense test” this system`s outputs with a view to ensuring you are comfortable with its assessment of you.

FinaMetrica’s risk profiling system is internationally recognised and is designed to focus on the psychological factors relevant to financial decision making. Knowing how best suited you are as an individual to investing your money is often a grey area for most people. Appreciating the values and motivations that drive you will allow you to understand and make a more informed choice when it comes to making investments. This should be an iterative process, as events in your life may subsequently indicate a need to re-evaluate your risk profile.  We therefore recommend that you re-appraise risk assessment outcomes at least every three years.

What we are offering you here is a scientifically-validated tool to help you assess your financial risk tolerance. We have decided that it should be free for you to use. Once you have taken this test, we will email you with a written summary of the outcome.

Sign up for your free risk tolerance test

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What happens next?

As soon as you have submitted your details we will send you an account activation email. This should take no more than a few minutes to arrive. If you do not receive the email please check your Junk Mail folder.

Your account activation email will have your unique username and password that you will need to log in to your account.

Simply click on the link in the email and you will be directed to the log in page where the test will begin.

Best Regards
The Money Guidance Team

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Money Guidance CIC is an Appointed Representative of Alan Cheetham (Asset Management) Limited, a company which is authorised and regulated by the Financial Conduct Authority.

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