RISK PROFILING AND SUITABILITY POLICY
Every investor completes our risk profiling questionnaire before any scheme is recommended. The
questionnaire covers age, income stability, investment horizon, existing investments, liquidity needs,
knowledge of markets and reaction to market falls. Responses are scored and the total score places the
investor in one of five risk categories:
Suitability Check
Recommendations are limited to scheme categories whose Riskometer level matches the investor's risk
category as per our Suitability Matrix. Before every recommendation we confirm that the scheme's risk
level, investment horizon and liquidity match the investor's profile, and the basis of the recommendation
is recorded.
Unsuitable Transactions
If an investor chooses a product outside their assessed risk category, we issue a written unsuitability
communication and proceed only after receiving the investor's written acknowledgement that the
transaction is at their own instance.
Review and Reassessment
Risk profiles are reviewed at least once every year, and earlier upon a material change in the investor's
circumstances. A change in risk category is communicated to the investor and reflected in subsequent
recommendations.