BIAS - Bermuda Investment Advisory Services

HOW CAN BIAS HELP?

Analyse Your Risk Profile
At BIAS our prime objective is to achieve two things for our clients:

Performance

Comfort

That's why, before we make any investment recommendations, we spend considerable time with our clients to assess their unique needs and objectives and build a set of realistic performance expectations.

What is Risk Tolerance?
There is no point in achieving outstanding growth if our client is always anxious about their capital. One of our key roles as investment managers is to set the mixture of investments between: - higher risk (eg: equities for growth) - medium risk (eg: mutual funds) - lower risk asset classes (eg: bonds and cash) If the mixture is right the performance of the portfolio should be at tolerable levels for the client even during periods of negative performance, such as that experienced between 2000 and 2002. To be in the stock market, an investor needs a longer investment horizon and must be comfortable with short-term volatility. BIAS will balance your portfolio to reach your risk comfort level.

How Can Risk Profiling Help You Sleep At Night?
BIAS must measure risk tolerance to avoid building inappropriately risky or excessively conservative portfolios. Understanding an individual's risk comfort level is essential in developing an investment plan for them. It enables BIAS to develop a portfolio that is in equilibrium with an individual's safety constraints. An individual's personal risk level is determined by many factors such as: - How long you are able to invest - Your own personal goals - The level of risk you are willing to accept in achieving financial gains in the longer term. An individual's risk tolerance is a delicate balance between their psychological perception of risk and their financial needs. It is not a precise science but there are tools available to help BIAS to help our clients sleep better at night. That makes us sleep better too.

Learn What Your Risk Profile Is - Know Yourself
By analysing your risk profile, we can help in selecting the most effective strategy to reach your investment goals. Simply complete the questionnaire below to learn what your risk profile is and how BIAS might start to make its recommendations for your portfolio. This is an indication guide only, and BIAS would need to conduct a thorough examination of every aspect of your financial and personal situation before making any detailed recommendations.

For a free initial consultation, contact us.

BIAS - Analyse Your Risk Profile

1. What is your primary objective for the money that you are investing?

Car purchase or vacation
Children's education
Down-payment on a home
Saving for retirement
To immediately start providing retirement income
Building up an estate

2. How long do you intend to manage your BIAS investment portfolio?

Under 3 years
3-5 years
6-10 years
11-15 years
More than 15 years

3. What is the major goal for your portfolio?
The security of my retirement portfolio is my only priority.
While I do want my retirement portfolio to grow, I don't feel very comfortable with fluctuating returns.
I want a balance between growth and security in my retirement portfolio with some protection from the impact of inflation.
I'm primarily concerned with the overall growth of my retirement portfolio and I am less concerned about fluctuations in returns.
My sole objective in my retirement portfolio is maximum growth over the long term.

4. Over the next 5 years, what portion of your portfolio do you expect to withdraw?

100%
75%
50%
25%
0%

5. Which one of the following ranges includes your current age?

Under 30
30-39
40-49
50-59
60-69
70-79
Over 79

6. Which one of the following ranges includes your current annual family income, including pensions, before taxes?

Under $30,000
$30,001 to $45,000
$45,001 to 60,000
$60,001 to $75,000
$75,001 to $90,000
Over $90,000

7. How would you rate your investment knowledge?

Minimal - I consider my knowledge to be fairly limited.
Modest - I've been investing for a few years and I sometimes read the business press.
Moderate - I've been investing for several years within a broad range of different assets.
Good - I've been investing for quite a while and I've lived through at least one market downturn.
Very good - I'm an experienced investor and am comfortable with all the ups and downs in the market.

8. Realizing that there will be occasional downturns in the market, how long of a recovery period are you prepared to weather?

Less than three months
3 - 6 months
6 months to 1 year
1-2 years
2-3 years
3 years or more

9. Assuming that you are investing for the long term, what is the maximum drop in your portfolio's value that you could tolerate in any given year?

I'd be uncomfortable with any loss
A 5% drop is all that I could live with.
A 10% decline is something I could tolerate.
A 15% drop would be about all I could stand.
A 20% decline is pretty much my limit.
A 25% decline is my absolute tolerance level.

10. When making an important investment decision, which seems more significant to you -- possible profit or loss?

I would consider the potential loss first.
I would consider the potential loss somewhat more.
They're both about the same to me.
I would consider the potential gain somewhat more.
I would consider the potential gain first.

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There are many sources of investment risk: Interest rate risk; currency risk; inflation risk risk; geo-political risk.

BIAS aims to develop a clear understanding of your risk tolerance and uses that knowledge to create a diversified portfolio that moderates these factors at a level acceptable to you.