Choosing the tools that suit

Risk profiling

Advisers have a wealth of risk profiling and asset allocation tools at their disposal to help choose from the broader choice of asset classes now available to investors

Risk profiling, asset allocation and fund selection are not a one-off exercise but require continuous assessment. While advisers have made considerable progress in providing these services to individual clients, the big challenge we now face is applying theory and practice to group schemes where cost considerations may prohibit the provision of ongoing advice to individual members. The availability of a streamlined IT service incorporating the features outlined in this article could enable advisers to place individual or appropriately grouped members of the company schemes they implement on...