Risk Assessment & Sustainability Preferences

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Investing involves balancing risk and reward. To do this effectively, Verity Financial Consultants need to understand your risk tolerance. You should consider your goals, investment timeframe, finances, and how comfortable you are with potential losses. This will help you build a strategy that aligns with your risk appetite.

Next, based on your risk tolerance, Verity Financial Consultants can create an investment strategy tailored to your attitude to risk. This means dividing your investments among different investment asset classes like equities, bonds, property, and cash, each with varying risk levels. This helps you find the right mix to balance risk and return according to your needs.

You understand that your risk assessment will result in a specified rating from 1 (low risk) to 7 (highest risk), and you understand and accept that the actual risk in your invested portfolio is likely to be different from the Risk Assessment due to the nature of investing over a period of time.

Are you completing this Risk Assessment in relation to:*

What age are you?*

Please enter a number from 18 to 100.

How long do you intend to invest (in years)?*

1. How would you describe your investment knowledge?*

Expert: I have an in-depth knowledge on how investments work

High: I have a good understanding on types of investments and their risks

Moderate: I have a knowledge of the basic types of investments and their risks

Little: I have little knowledge of the basic types of investments and their risks

None: I have no investment knowledge

2. What is your investment objective?*

To maximise returns, regardless of risk

To make high returns, without excessive risk to my capital

To make good returns, with limited risk to my capital

To make returns which beat inflation, without significant risk to my capital

To protect my capital

3. What is your appetite for taking risk?*

If you invest €10,000 today, what range of potential values would you consider to be an acceptable return for your investment after 5 years?

Between €6,300 and €17,200

Between €6,800 and €16,300

Between €7,900 and €14,000

Between €8,900 and €12,100

Between €9,800 and €11,600

4. How concerned would you be with a short term (6 months) 10% decline in your investment?*

Not concerned

Slightly concerned

Moderately concerned

Very concerned

Extremely concerned

5. What is your approach to taking risk?*

If you could increase the value of your investments by taking more risk, would you?

Take a LOT more risk with ALL of your money

Take a LITTLE more risk with ALL of your money

Take a LITTLE more risk with SOME of your money

Be UNWILLING to take any more risk

6. Financial Well-Being*

If this investment were to perform poorly, what impact would this have on your financial well-being?

It would have a big impact. This investment is required for a specific purpose

It would have some impact. I would need to make some adjustments to my future plans

It would have no impact, as I have other savings

7. Financial Emergency*

Do you have any saving available to you, should you encounter a financial emergency?

No. I have no other savings I can use in the event of an emergency

I have some savings but nothing earmarked for a financial emergency

Yes. I have specific savings that I can use in an emergency

The Sustainability Assessment*

The Sustainability Assessment makes it easier to choose investments that match your sustainability preferences. It allows you and Verity Financial Consultants to get a holistic view of your current situation by assessing and understanding your sustainability preferences. If you do not have sustainability preferences, you can skip this assessment by indicating so below:

Yes, I have sustainability preferences and would like to complete the sustainability assessment

No, I do not have sustainability preferences and do not need to complete the sustainability assessment

What options do I have that may suit my sustainable preferences?

Investing sustainably can benefit the planet as well as your investments, pensions and retirement planning with Verity Financial Consultants offering clear options. Environmentally Sustainable Investments target environmental goals like fighting climate change, with examples like renewable energy companies. These ensure environmental benefits alongside investment returns. Sustainable Investments (SFDR-Aligned) take a broader view, considering environmental, social, and ethical factors alongside financial returns. Both options provide transparency on your investments' impact. The EU also considers Principal Adverse Impacts (PAIs), potential negative effects of any investment. By understanding PAIs, you can choose investments that minimise harm while maximising positive impact.

Remember, these are complex topics, so Verity Financial Consultants can help you find the right sustainable investment that aligns with your values and goals.

Your Sustainability Preferences*

Please select one option.

Environmentally Sustainable Investments (Also known as EU Taxonomy-Aligned Investments)

Sustainable Investments (Also known as SFDR-Aligned Investments)

Investments which consider Principal Adverse Impacts on sustainability factors

Environmentally Sustainable Investments

EU Taxonomy Aligned investments adhere to the EU's Taxonomy Regulation, identifying economic activities supporting environmental objectives like climate change mitigation, circular economy transition, and biodiversity protection. These investments encompass renewable energy, sustainable agriculture, and clean transportation projects. By meeting Taxonomy criteria, they offer transparency for investors and policymakers regarding environmental sustainability. Investing in these ventures not only fosters a greener economy but also aligns with broader EU sustainability goals, addressing pressing environmental challenges while potentially yielding financial returns.

How important is it that you invest in Environmentally Sustainable Investments (EU Taxonomy-Aligned Investments) ?*

Not Important/Not Interested

Slightly Important

Moderately Important

Very Important

Extremely Important

Please specify the minimum proportion of your investment or pension that you would like invested in Environmentally Sustainable Investments.

Sustainable Investments

Sustainable Investments, also known as SFDR-Aligned Investments, integrate environmental, social, and governance (ESG) factors into financial decisions, in line with the EU's Sustainable Finance Disclosure Regulation (SFDR). These investments prioritize sustainability alongside financial returns, requiring disclosure of sustainability risks and impacts. SFDR-Aligned Investments encompass various assets such as funds, bonds, and stocks that meet specific sustainability criteria, promoting responsible investing practices. By adhering to SFDR guidelines, these investments contribute to sustainable development goals while offering investors transparency and accountability regarding their environmental and social impact.

How important is it to you that you invest in Environmentally Sustainable Investments (SFDR-Aligned Investments)?*

Not Important/Not Interested

Slightly Important

Moderately Important

Very Important

Extremely Important

Please specify the minimum proportion of your investment or pension that you would like invested in Environmentally Sustainable Investments.

Principal Adverse Impacts

Investments considering Principal Adverse Impacts (PAIs) on sustainability factors evaluate significant negative effects an investment may have on environmental, social, and governance (ESG) issues. Mandated by the EU's Sustainable Finance Disclosure Regulation (SFDR), this approach requires disclosing how PAIs influence investment decisions. PAIs encompass adverse effects on areas like climate change, biodiversity, human rights, and anti-corruption measures. By assessing PAIs, investors aim to mitigate negative impacts and promote sustainability within their portfolios. This aligns with broader sustainability goals, facilitating responsible investing practices and enhancing transparency regarding ESG considerations.

How important is it to you that you invest in Environmentally Sustainable Investments (SFDR-Aligned Investments)?*

Not Important/Not Interested

Slightly Important

Moderately Important

Very Important

Extremely Important

Principal Adverse Impacts:*

Please select all categories that you would like to be considered in your investment decisions from your sample list below:

Environmental - Activities that negatively affect biodiversity-sensitive areas

Governance - Inadequate governance

Governance - Tax evasion

Social - Adherence with the UN Global Compact

Environmental - Greenhouse Gas emissions

Social - Exposure to controversial weapons

Environmental - Carbon footprint

Governance - Corruption and bribery matters

Governance - Breaches of regulation, international norms and conventions

Social - Gender pay gap and broad gender diversity

Environmental - Emissions to water

Please specify the minimum proportion of your investment or pension that you would like invested in Environmentally Sustainable Investments.

Understanding Risks document

Please download our latest Understanding Risks document for your review.

Download here.

Please tick each box.*

I have completed this Risk Assessment as accurately as I can. I am satisfied that the answers provided reflect my attitude to risk.

I understand that investment values will rise and fall.

I accept that investment risk in my portfolio may differ over time.

I have downloaded the above 'Understanding Risks' document provided.

Please enter today's date.*

DD dash MM dash YYYY

Email*

Please provide your full name.*

First name Last name

I understand that this risk assessment will show a specific risk rating, but the actual risk in my invested portfolio may be different from my Risk Assessment due to the nature of investing over a period of time. I accept that investing will involve taking risks that may be lower or higher than my risk assessment shows. I understand and accept that investing has no guarantees and the values of my investment will rise and fall.

Signature:	______________________________


Name:	______________________________


Date:	______________________________


Signature for & on behalf of Verity Financial Consultants		Date: ______________________________