First Name *
Surname *
Year of Birth *
Name of Employer *
Email Address **We will use this email address to send our report to you and we therefore recommend you provide us with a personal email rather than your work email address. We will not be held liable for this information being accessed by anyone other than yourself as the intended recipient
This questionnaire is only for completion by pension scheme members who have not yet taken any benefits from their employer pension scheme.
An essential part of our advice process in relation to your company pension is an assessment of your attitude to investment and other risks. This enables us to recommend a suitable investment strategy or consider the suitability of any existing investment fund selection.
There are 13 questions which are designed to assess your thoughts when making financial investment decisions. There are no right or wrong answers and please answer every question, even if you feel it doesn’t really apply to you.
We would refer you to our privacy statement (http://www.bridgehead-europe.com/images/bh-privacy-notice.pdf) which explains how we use any personal information we collect about you.
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Q1. What is your main investment goal?
A. IncomeB. Growth
Q2. Investing comes with the possibility of losing some money you have invested. In an effort to achieve a higher return than an investment such as a bank account, do you accept a degree of risk with your Workplace Pension savings?
Yes, I understand that investments can rise and fall in value and that I could lose some of my moneyNo, I am not willing to see my money fall in value or lose any part of my investment
Q3. How losing money would affect you? *Quick Tip: Losing money here refers to the value of your investment portfolio falling below the amount you originally invested because of a drop in the market. For example, if you gave your adviser £50,000 to invest and later the value of your investments fell to £47,500.
A. It wouldn't have an impact on my standard of living and I wouldn't need to use any additional resources (for example, savings) as a resultB. I have other resources I could fall back onC. It would have an impact on my immediate standard of living
Q4. When do you want to start spending the money you will save in this workplace pension? *Quick Tip: Losing money here refers to the value of your investment portfolio falling below the amount you originally invested because of a drop in the market. For example, if you gave your adviser £50,000 to invest and later the value of your investments fell to £47,500.
A. Immediately or within the next three yearsB. Within three to four yearsC. Within five to six yearsD. Within seven to 10 yearsE. Not within the next 10 years
Q5. Once you start spending the funds from your workplace pension, how long do you expect to continue to withdraw the funds? *Quick Tip: Do you want to spend all the pension fund at once, for example to buy a property, or do you plan to make the money last over a longer period, for example by using the fund to provide yourself with a yearly income once you retire?
A. I plan to withdraw all of my money at onceB. I will make withdrawals over two to five yearsC. I will make withdrawals over six to 10 years.D. I will make withdrawals over 10 years or moreE. I don't intend to withdraw the money
Q6. Once you start to spend the money in your pension fund, how much do you plan to withdraw? *Quick Tip: If your pension fund is £100,000 and you want to withdraw a yearly income of 4%, you will need to take out £4,000 each year.
A. I do not intend to take withdrawalsB. I plan to withdraw between 0% and 4% of the value each yearC. I plan to withdraw between 4% and 8% of the value each yearD. I plan to withdraw more than half of the pension value within 3 to 10 yearsE. I plan to withdraw all of my pension fund at once
Q7. Some investments offer the opportunity for a greater gain but the risk of a greater potential loss. Look at the five scenarios represented below. Which one would you put your money in? *
Scenario AScenario BScenario CScenario DScenario E
Q8. Imagine your pension fund is £100,000. Which of the five scenarios below would you want for the investment performance in a single 12 month period? *
Q9. Which of the following statements best describes your attitude to investment risk? *Quick Tip: Investing involves a trade-off between risk and returns. In the past, investments with higher returns have been associated with greater risk and chance of loss. Whereas cautious investments that have had a lower chance of loss also have achieved lower returns.
A. I am most concerned with risk. I am willing to accept lower returns, in order to limit the risk of loss.B. I am willing to accept some risk and chance of loss, in an effort to achieve modest but somewhat higher returnsC. I am willing to accept moderate risk in order to achieve higher returns. Reducing risk and increasing returns are equally important to meD. I want to achieve strong returns on my investments. I am willing to accept somewhat higher risk and chance of loss.E. I am mainly concerned with getting the highest possible returns on my investments. I am willing to accept significant rises and falls in the value of my investments and a significant chance of loss.
Q10. Imagine your adviser has invested £100,000 of your money and it's fallen in value to £80,000. Assuming that this happens at an early stage of your intended investment period, how would you react to this £20,000 loss? *
A. I would not change my investment plan.B. I would wait at least one year before changing to investment options that are more stable.C. I would wait at least six months before changing to investment options that are more stableD. I would immediately change to investment options that are more stableE. I am mainly concerned with getting the highest possible returns on my investments. I am willing to accept significant rises and falls in the value of my investments and a significant chance of loss.
Q11. The value of investments vary from year to year. Suppose you invested £100,000. How much money would you need to lose before you wanted to move your money into a more stable investment? *
A. £5,000 or lessB. £10,000C. £15,000D. £20,000E. It is unlikely I will move my money even if my investment falls in value
Q12. How does your concern about losing money manifest itself in relation to your investment? *
A. I would sell my investmentsB. I would be worried but not uncomfortable enough to sell my investments immediately. If my investments suffered losses over several months, I would probably sellC. I would wait a full year before making changes to my investments. Short-term losses in the value of my investments do not bother me.D. I would not make changes. I understand that investments can have occasional negative yearly returns. However, I have a higher chance of reaching my investment goals if I stick with my investment over the long term.
Q13. Which of the following best describes your view on investing?*
A. My investments don't have to grow, I just want my money to be safeB. I can accept lower growth for greater certaintyC. I am more concerned about the possible losses than the possible gainsD. I can accept possible losses for long-term investment growth.E. To achieve high levels of growth, it is necessary to take risk
Q14. At what age do you anticipate that you would like to access your workplace pension? (Under current legislation the minimum age is 55 however this will be increasing to 57 with effect from 2028) *
Q15. How do you anticipate accessing your workplace pension? An overview of the current options are confirmed here.*
A. Guaranteed income for life or for a fixed term (an Annuity)B. Withdrawing money from your pension, as and when, over the course of your retirement (Flexi-Access Drawdown)C. Taking your pension pot in several lump sums (UFPLS)D. Take your pension pot in one go (Full Encashment)E. I am unsure and would like to keep my options open (the recommendation will be the most suitable option available to provide this outcome)
