Client Risk Categories

Risk Ratings Explained

 

1

Very Low Risk

  • When investors are unwilling to accept any significant risks
  • They accept the prospect of low returns on their investment
  • It is only designed for short term investment
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2

Low Risk

  • When investors are likely to accept limited risks but also want to avoid large fluctuations in the investment value
  • They accept the prospect of more modest returns on their investment, the aim of this type of risk is to provide a return in line with or slightly better than deposits
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3

Low to Medium Risk

  • When investors are likely to accept some risk in return for the potential of higher investment gains over the long term, this type of risk has the potential for returns in excess of deposits but does not promise a minimum return at any time
  • They try to avoid large fluctuations in the investment value, but accept that there will be some fluctuation, particularly over the short term.
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4

Medium Risk

  • When investors are likely to accept significant risk in return for the potential of good investment gains over the long term, this type of risk has the potential for returns in excess of deposits but does not promise a minimum return at any time
  • They accept significant fluctuations in the investment value, particularly over the short term but want to limit the amount of money held in more risky investments
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5

Medium to High Risk

  • When investors are likely to understand that the investment can go down and up sharply with the potential for greater returns over the long term
  • Investors’ capital is not secure and can fluctuate, sometimes significantly and investors may get back less than they originally invested.
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6

High Risk

  • When investors are likely to aim for high possible returns and accept higher levels of risk.
  • They recognise that the investment value may fluctuate very sharply, particularly over the short term
  • The focus here is on maximising the potential return for investors rather than minimising risks.
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7

Very High Risk

  • When investors are likely to aim for the highest possible returns and accept the highest levels of risk
  • They recognise that the investment value may fluctuate very widely, particularly over the short term
  • In a worst case scenario, investors in this very high risk category could lose all of their original investment
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Testimonials

Testimonials from our clients.....

John has provided invaluable and impartial advice and guidance for nearly a decade , he’s always available to make sure we have the best information available and make the right choices

Ciaran Lavelle, client since 2007
Sales Director Heavey RF

When it comes to the minefield of pension and financial advice there are loads of companies out there, but John helped us set up our first ever company pension plan with minimum amount of jargon. The employees found him easy to chat to and he was always there to lend advice and make alterations when the need arose

Dave Buggy, client since 2010
Managing Director, EES Ltd

John has been looking after us for many years now & we have always found him very professional & efficient in every way & always there when we need him, calls in several times a year with updates and sound advice on our pension needs. We would highly recommend John if you are in need of financial or pension advice.

Garrett Donnery, client since 2014
Director, Target Golf Management

John has taken us from an engaged couple buying their first house right up to setting up our own business and seeing our children attend college, he has provided expert advice throughout this time

Michael, client since 1994
Owner, plant hire business

12 Priory Office Park, Stillorgan, Dublin 18 (A49 N2V3)

+ 353 (0) 1 5637900

info@pensionandfinancial.ie

John Clare & Assoc lTD, T/A, Pension & Financial is regulated by the Central Bank of Ireland. Company reg number is 323124

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