Understanding your goals

You may have a different time horizon for each of your goals, and you may be willing to take more risk with one goal than another.

So that we can tailor the right investment solution for you, it's crucial we understand:

  • your financial circumstances and goals
  • your time horizon
  • your attitude to risk.

A critical part of the information we gather is centred on our risk questionnaire, which we'll ask you to complete with us or with your adviser.

  • You may have successfully sold your business and find that you have financial freedom
  • You might be thinking about providing for your children's/grandchildren's future
  • You could be approaching or already in retirement, and need to sustain a comfortable level of income
  • You may want to make sure you're leaving enough for your family in the event of your death

Different goals may mean different investment solutions

Financial goals can generally be divided into three categories:

  • aiming to grow or preserve your wealth
  • aiming to deliver a regular income
  • elements of both of the above.

Different goals, different approaches:

Investing for growth

You want to grow your wealth and are generally willing to accept a higher level of risk for a potentially higher expected level of return. Discretionary investment management from abrdn offers a range of investment options, from volatility-managed portfolios that target a specific return to more conventional investments in equities, bonds and property.

Investing to preserve wealth

Your priority may be to maintain the value of your existing wealth over other options such as growth. You may therefore prefer to avoid short-term fluctuations in the value of your portfolio. Our highly diversified, volatility-managed portfolios that target a specific return may be suitable in this instance.

Investing for income

You may want to generate income within your portfolio through regular interest and dividends. We can select investments that we believe are likely to deliver a consistent level of income over your time horizon.

Investing to draw a regular cash flow from a portfolio

You may opt to generate a predictable income by drawing down regular amounts from your current wealth. Key to a sustainable outcome is ensuring that your portfolio aims to deliver consistent returns and low volatility, as you may not have the flexibility and time needed to ride out volatility in markets. Our highly diversified, volatility-managed portfolios are perfectly suited to this and can be tailored to help deliver your goals.

If you want to find out more about our independent discretionary investment management service, we'll arrange a meeting with one of our Client Portfolio Managers. They'll put together a detailed personal proposal with you.

As with any investment, the value of your portfolio can go up or down, and may be worth less than you paid in.


Investment involves risk. - The value of investments, and the income from them, can go down as well as up and an investor may get back less than the amount invested. Past performance is not a guide to future results.