[email protected]

020 4599 6475

[email protected]

020 4599 6475

Risk Profiler Calculator

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Information

The Copia Income Risk Profiler is an illustrative tool designed to assist you and your clients in understanding their attitude to risk, an important step before making an investment in the Select Decumulation range portfolios.

It does not constitute advice from Copia, Novia or any other associated companies.

It is assumed that you have already reviewed your client's overall financial situation and investment needs with them and have identified that the portfolios from the Select Decumulation range are a suitable investment.

There are a number of important issues that need to be considered when investing for retirement and the Copia Income Risk Profiler may only provide information to help with some of these.

You need to confirm, by clicking ACCEPT below, you understand that:

  • Copia does not provide any advice and is not required to assess the suitability of the product for an individual client
  • The outcome of the risk assessment is entirely dependent on the accuracy of the answers given to the risk assessment questions
  • This profiler is not a fully comprehensive 'Attitude to Risk and Capacity for Loss Profiler'. It is designed to help Advisers to select an appropriate portfolio from the Select Decumulation range
  • The assessment is for Financial Adviser use only.
  • Financial advice is required to help ensure any solution is suitable for an individual client. This advice will consider if the risk assessment is appropriate to the client, and other factors such as the objectives and circumstances of the client before making any recommendation. Copia will not be held responsible for any advice or recommendations made following this assessment.

Introduction

The Copia Retirement Risk Profiler is designed to help you offer Adviser support when Assessing Suitability for your Clients in decumulation.

You may have existing risk profiling tools but we can also help them in converting existing scores into our Risk Profiling Matrix.

The Copia Retirement Risk Profiler presents a Risk Profile score (1 to 5, where 5 is most risky) and a Time Horizon (four time horizon ranges, covering from 3 years to 25+ years), which you can use to select the Retirement Income portfolio that is most suitable for your Client.

Risk profile assessment

The Copia Retirement Risk Profiler is a series of seven questions divided into the following sections:

  1. Investment time frame
  2. Knowledge and experience
  3. Investment objectives
  4. Attitude to risk
  5. Capacity for loss

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Client Information

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Questionnaire

Investment time-frame

Once you begin to divest this money, how long will you need it to last?

Knowledge and experience

How familiar are you with investments into non-cash assets such as equities and bonds?

Investment Objectives

Which statement best describes your investment objective?


What is your target return for this portfolio over the medium- to long-term (5 to 10+ years)?

Attitude to risk and capacity for loss

There is a trade-off between the level of risk in the investment and the potential for returns. Which of the following investment options would you be most comfortable with?


What percentage of your net assets does this portfolio represent?


What percentage of your estimated retirement income (including any other pension income, State Pension, any rental income) will withdrawals from this portfolio represent?

Results

Based on your answers, you are a suited to Risk Profile 3, over Investment term 16 - 20 years.

Typical characteristics of a Risk Profile 3 investor

Risk Profile 3 means that your capacity for income loss is moderate. Your capacity for capital loss and attitude to risk may also be moderate. The aim is to provide a return moderately above inflation for a portfolio in this Risk Profile.

Information about the Copia Risk Profile 3 (16 - 20 years) portfolio

Allocation Fund name
Investment Term Safe Withdrawal Rate Withdrawal Rate
(95% Confidence) (50% Confidence)
Total Expense Ratio
Yield

Based on information as at 16 November 2020.

For most up to date information please check the Copia website.

See the Copia literature for a full explanation of the Safe Withdrawal Rate (95% confidence) and other important concepts in retirement planning.

* The Safe Withdrawal Rate (95% confidence) is the statistical maximum a portfolio can support such that the worst case (95th percentile) terminal value is positive at the end of the investment term. Put differently, there is a 95% likelihood that the portfolio lasts the investment term.

** The Withdrawal Rate (50% confidence) is the statistical maximum a portfolio can support such that the likely median (50th percentile) terminal value is positive at the end of the investment term. Put differently, there is a 50% likelihood that the portfolio lasts the investment term or there is a 50% likelihood that there is insufficient capital to continue to pay this withdrawal rate to the end of the investment term.

Both SWR and Withdrawal Rate (50% confidence) include an allowance for overall fees of 1%.

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Copia Capital Management

Hamilton House, 1 Temple Avenue, London, EC4Y 0HA

T: 020 4599 6475

E: [email protected]

Understanding the risks

This information is intended for professional financial advisers only. Copia does not provide financial advice. This information is not intended as financial advice and should not be interpreted as such. Model investment portfolios may not be suitable for everyone. The value of funds can increase and decrease, past performance and historical data cannot guarantee future success. Investors may get back less than they originally invested.

Copia Capital Management is a trading name of Novia Financial Plc. Novia Financial Plc is a limited company registered in England & Wales. Register Number: 06467886. Registered office: Cambridge House, Henry St, Bath, Somerset BA1 1JS. Novia Financial Plc is authorised and regulated by the Financial Conduct Authority. Register Number: 481600.

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