Understanding the Investment Preferences module [Product Guides]

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What is the Investment Preferences module?

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1. 1. 1. Question - Did the video help you to understand the various customisation options for your investments? 
         • Yes. If Yes, Are there any specific customisations you'd like to discuss?
         • No. If No, What would you like additional information on?
      2. Question - Would you prefer a highly customised approach to how your investments are managed? 
         • • Yes
           • No
           • No Preference
           • I’m Unsure

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1. Question - Did the video help you to understand the various ethical preferences available for your investments?
   • Yes. If Yes, Are there any specific ethical preferences you'd like to discuss?
   • No. If No, What would you like additional information on
2. Question - Would you like your ethical preferences to be taken into account when choosing your investments? 
   • Yes
   • No
   • No Preference
   • I’m Unsure

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Static vs Dynamic Asset Allocation

1. Question - Did the video help you to understand the differences between static and dynamic asset allocation?
   • Yes. If Yes, Are there any specific asset allocations questions or preferences that you'd like to discuss?
   • No. If No, What would you like additional information on?
2. Question - Do you prefer static or dynamic asset allocation?

• • Static
  • Dynamic
  • No Preference
  • I’m Unsure

Risk and Diversification

1. 1. 1. Question - Did the video help you to understand the roles that risk and diversification play for your investment strategy?
         • Yes.
           • If Yes, Are there any specific risk or diversification questions or preferences that you'd like to discuss?
           • Question - What impact do you believe a spread of investment types could have on reducing your investment risk?
             • Don't Know OR 1 (Minimal) to 5 (Significant)What impact do you believe a spread of investment types could have on reducing your investment risk?
           • Question - How many times have you seen your investments drop in value as a result of a significant market correction (Dotcom bubble, Financial Crises etc.)?
             • Never
             • No significant drop but one market correction
             • No significant drop but two or more market corrections
             • One significant drop
             • Two significant drops
             • Three significant drops
           • Question - How much would your investments need to fall for you to be tempted to sell them?
             • Don't Know
             • 12%
             • 21%
             • 29%
             • 35%
             • 44%
           • Question - Is capital preservation more important to you than capital growth?
             • Yes. If Yes, Your adviser will review your responses and discuss your risk appetite in your next session
             • No.
               • • If No, Question - Outside of income distributions (i.e. dividends, pension payments), how often are you likely to need access to your capital within five years?
                   • • Don't Know
                     • Regularly
                     • Yearly
                     • Twice
                     • Once
                     • Never
                 • Question - Suppose your portfolio received a return of 6% per annum and your neighbour's growth portfolio received 9% per annum over the same period. How likely would you be to change the risk in your portfolio? 
                   • • • Not at all
                       • Give it some though
                       • Seriously Consider it
                       • Look to change it
                       • Look to change it asap
                 • Question - How comfortable would you be to take more risk for a set period if it improved your chances of meeting your objectives?
                   • • • • 1 (Not Comfortable at All)
                         • 2
                         • 3
                         • 4
                         • 5 (Very Comfortable)
                   • Question - In pursuit of higher returns, what is the maximum downside that you are comfortable with?
                     • • • • 12%
                           • 21%
                           • 29%
                           • 35%
                           • 44%
                   • Question - How much consideration do you think inflation plays in the risk and return of your investments?
                     • • • • Don't Know OR
                           • 1 (Very Little)
                           • 2
                           • 3
                           • 4
                           • 5 (Significant)

Cost vs Value

1. Question - Did the video help you to understand the role that personalisation plays concerning cost and value?
   
   • Yes. If Yes, Are there any specific cost sensitivities that you'd like to discuss?
   • No. If No, What would you like additional information on?
2. Is cost the primary driver in regards to how your investments are managed?
   
   • Yes. 
   • No. I'm prepared to spend more for a tailored solution

Prioritisation 

Question - What is most important to you?
Drag and drop to rank

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Free text box for the client to add 

For the Adviser

Once the client(s) completes the survey. The adviser is able to review under the Investment Preferences tab and discuss with the clients. 

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Lumiant's out of the box Risk groups are below. You can customise and add your own by following this guide.

• Conservative  - 20% Growth
• Moderately Conservative - 40% Growth
• Balanced - 60% Growth
• Moderately Aggressive - 75% Growth
• Aggressive - 90% Growth

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