Pensions

At St Barts Finance, we ensure that we match
your attitude to risk against your investment. The
following catagories sumarise some of the different
attitudes that people have.

We will go through this with you either by telephone or face to face and discuss your requirements in more detail.

A Limited Risk Investor looks for an investment where the probability of any fall and the size of any fall in the value of their capital are low or non-existent. The return, therefore, is likely to be similar to that available from a high street deposit account and as a result, the Limited Risk Investor runs the risk that inflation may reduce its real value over the long term.

A Cautious Investor looks for an investment where the potential return is slightly better than that available from a high street deposit account. They accept that the value of the investment could fall as well as rise. However, they would feel uncom fortable if their investments were to rise and fall in value rapidly.

A Balanced Investor looks for higher returns than those available from a deposit account and is willing to accept a certain mount of fluctuation in the value of their investments. However, they would feel uncomfortable if their investments were to fall significantly in value.

An Adventurous Investor is willing to accept a higher level of risk on their investment in return for higher returns in the long run. They accept an amount of fluctuation in the value of their investments as a result. They would feel comfortable if their investments fell in value in one year and would see this as a time to ride out the storm rather than a time to invest more.

A Speculative Investor is willing to accept a much higher level of risk on their investment in return for higher returns in the long run. They accept an amount of short term fluctuation in the value of their investments as a result. They would feel comfortable if their investments were to fall in value in one year and may well see this as an ideal time to invest more because of their cheaper purchase price.