Skip to main content

WOWorkspace

Pinned

Pin households for quick access

Sutton Household

Compliance1 supervision item open

Compliance1 supervision item open Fact Find60/100 Documents1 on file Meetingstoday

ATR: Margaret Sutton

Investment time horizonHow long do you intend to invest before needing to access the majority of your money?

1Less than 3 years23–5 years35–10 years410–15 years5More than 15 years

Reaction to a fallIf your portfolio fell by 20% in a year, what would you do?

1Sell everything immediately2Sell some to reduce risk3Do nothing and wait for recovery4Hold and add a little more5Invest significantly more

Priority: security vs growthWhich statement best describes your investment priority?

1Protecting my money is the absolute priority2Mainly protection with some modest growth3Balanced between growth and protection4Mainly growth, accepting some risk of loss5Maximum growth, accepting significant falls

Previous investment experienceWhich best describes your investment experience?

1None — I have never invested2Limited — cash savings and ISAs only3Moderate — some funds or shares4Good — regular investor, understand volatility5Extensive — I actively manage investments

Emotional comfort with volatilityImagine you checked your portfolio and it had fallen 15% overnight. How would you feel?

1Extremely worried — I would lose sleep2Quite anxious — I would want to review immediately3Somewhat concerned but able to wait4Fairly comfortable, knowing it is temporary5Relaxed — short-term volatility does not concern me

Adviser narrative

Qualitative summary of the client's attitude and how the score was determined.

Capacity for loss

Required under COBS 9A.2.16. Distinct from attitude to risk: this is the financial ability to absorb losses without materially affecting the client's standard of living.

Maximum tolerable loss (%)

Maximum tolerable loss (£)

Recovery timeline (years)

Emotional tolerance to loss

Capacity narrative

Knowledge & experience

FCA COBS 9.2.2R — required for suitability assessment on investment recommendations.

Investment knowledge level

Prior investment types held

Cash / savings accountsGovernment / corporate bondsUnit trusts / OEICsDirect equitiesPropertyAlternatives (hedge funds, commodities)Derivatives / optionsCryptocurrency

ESG & sustainable investing

Preference recorded: no explicit preference

DEV surface: personas  ·  signed in: Sarah Crowther [PRINCIPAL]persona: