March 2017

Risk, Risk Profiling and Risk Tolerance.

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Professional Judgement and Risk Profiling

FinaMetrica Pty Ltd - Friday, 03 March 2017

University of Georgia (UGA) Research Project

FinaMetrica supports the advancement of financial planning by promoting and in some cases performing fundamental research in the field of financial planning. It is our pleasure, together with PlanPlus, an alliance partner, to participate in a research project with Dr. John Grable and his team at the University of Georgia to better understand the role of professional judgement in arriving at an investor risk profile.

The survey will only take around 15 minutes to complete and your participation is much appreciated. Below is a message from UGA and Dr. Grable explaining the research in more detail.

From UGA and Dr. John Grable
You are receiving this invitation to complete a survey about risk profiling because of your expertise in financial planning. My colleagues and I are collecting feedback from a sample of financial planning professionals about the factors used to shape a client’s risk profile during the portfolio development stage of the financial planning process.

I anticipate that it will take you 15 minutes to complete the survey. When you click on the link you will be asked to evaluate three to five scenarios. You will also be asked to provide some information about your practice.

Getting to the survey is easy. Simply follow this link:

https://ugeorgia.qualtrics.com/SE/?SID=SV_72IxyVm5yzIvUpv

As a study originating at the University of Georgia, I want to assure you that your responses to the questions asked will remain confidential. No identifying information about your personally will be saved or coded in the dataset. Here is more information about your rights as a survey participant:

INFORMED CONSENT
I am a professor in the Department of Financial Planning, Housing, and Consumer Economics at The University of Georgia. I invite you to participate in a research study entitled Financial Risk Profiling. The purpose of this study is to identify elements of the risk profiling process and to determine how financial planners use risk profile scores when forming portfolio recommendations.

Your participation will involve reviewing a set of standardized scenarios and ranking the inputs that you consider important in shaping a client’s risk profile. An additional element involves making a portfolio allocation recommendation. The survey process should only take about 15 minutes. Your involvement in the study is voluntary, and you may choose not to participate or to stop at any time without penalty or loss of benefits to which you are otherwise entitled. My team and I plan to analyze the collected data and publish the results in outlets such as The Journal of Financial Planning, but your name or any identifying information will not be used. In fact, the published results will be presented in summary form only.

If you decide to stop or withdraw from the study, the information/data collected from or about you up to the point of your withdrawal will be kept as part of the study and may continue to be analyzed. Do note that this is a confidential study and only my team and I will have access to data. We have plans to secure the data by removing any identifiers to respondents. The findings from this project may provide information on the way financial planners conceptualize client risk profiles. There are no known risks or discomforts associated with this research. At the end of the survey you may request that you receive a summary of the findings.

If you have any questions about this research project, please feel free to email me at: grable@uga.edu or call me at 706-542-4758. Questions or concerns about your rights as a research participant should be directed to The Chairperson, University of Georgia Institutional Review Board, 609 Boyd GSRC, Athens, Georgia 30602; telephone (706) 542-3199; email address irb@uga.edu.

By continuing with the survey, you are agreeing to participate in the above described research project.

Thank you for your consideration! Please print and keep this letter for your records.

Sincerely, John Grable, Ph.D., CFP®

 

Posted: 3/03/2017 10:38:03 AM by FinaMetrica Pty Ltd | with 0 comments


RLAM’s GMAPs Risk Rated by FinaMetrica

FinaMetrica Pty Ltd - Friday, 03 March 2017

Royal London Asset Management (RLAM) are delighted to announce that the Global Multi Asset Portfolios (GMAPs) have been mapped to the FinaMetrica risk tolerance scores.

The GMAPs are a range of six multi asset funds designed to offer investors diversified exposure across different asset types in line with their investment objectives and appetite for risk. The Funds are all actively managed and combine strategic and tactical asset allocation with the aim of maximising real return over the medium to long term, subject to a given level of expected risk.

The Funds’ strategic benchmarks were constructed in consultation with Moody’s, while tactical portfolio positioning is influenced by the Investment Clock, a model linking the global economic cycle with the performance of various investments. The Funds invest across RLAM’s range of actively managed fixed income funds and low cost equity trackers as well as property, commodities and cash.

For more information, visit:

www.rlam.co.uk/Home/Intermediaries/Products/Multi-Asset/
 

Posted: 3/03/2017 10:27:30 AM by FinaMetrica Pty Ltd | with 0 comments