Integrated, flexible, accurate risk profiling at no cost

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Integrated, flexible, accurate risk profiling at no cost

Try Timeline's Risk Profiler for free to enhance your financial planning and support your clients.
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A fully integrated risk profiler with your clients' investments and financial plans

A comprehensive analysis of suitability as the FCA requires means taking into account:

  • The client's risk tolerance
  • The client's investment experience and knowledge
  • Matching the client's score with a suitable portfolio

Most risk profilers don't join the dots but Timeline does. You can use the Risk Profiler alone or integrate it with a client's financial plan and investment strategy.

RISK1

Questionnaire responses
you can trust

  • Our questions are open rather than leading, meaning clients can answer without being influenced.

  • Our questions are specific rather then vague, so clients know what they are answering.

RISK1-1
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Demonstrating what a risk score means for your clients

  • When your client gets a score, what does it mean?
  • What sort of volatility might they experience?
  • What sort of returns risk might their portfolio have?

Timeline Risk Profiling shows what this means.

RISK5

Demonstrating volatility

You can show the sorts of falls your client might face with their risk score and discuss them and how they feel about this. You can then compare with other scores to see how volatility changes.
RISK6

Demonstrating return risks

Using an analysis of the last 100 years, you can show your client how different ratios of equities and bonds has led to different maximum and minimum returns over different timescales. This is another important perspective to discuss in deciding the right level of risk for your client.

Calculating capacity for loss 

Risk profilers typically tend to try to measure Capacity for Loss by asking questions about the stability of your income sources, but those in supposedly 'stable' jobs can one day be made redundant unexpectedly, while many self-employed people might have stable income for years.

Timeline's Risk Profiling can be integrated with Timeline Planning to calculate a client's capacity for Loss based on an analysis of how their financial plan would fare across hundreds of scenarios from 120-years of history. 

Risk-Profiling-Academic_C2

Calculating capacity for loss properly

Risk profilers typically tend to try to measure Capacity for Loss by asking questions about the stability of your income sources, but those in supposedly 'stable' jobs can one day be made redundant unexpectedly, while many self-employed people might have stable income for years.

Timeline's Risk Profiling integrates with Timeline's Financial Planner, and calculates a client's capacity for Loss based on an analysis of how their financial plan would fare across hundreds of scenarios from 120 years of history.

 

Risk-Profiling-Academic_C2

Calculating capacity for loss properly

Risk profilers typically tend to try to measure Capacity for Loss by asking questions about the stability of your income sources, but those in supposedly 'stable' jobs can one day be made redundant unexpectedly, while many self-employed people might have stable income for years.

Timeline's Risk Profiling integrates with Timeline's Financial Planner, and calculates a client's capacity for Loss based on an analysis of how their financial plan would fare across hundreds of scenarios from 120 years of history.

Risk-Profiling-Academic_C2
RISK2-3

Not confusing
volatility with risk

Risk profilers typically have scales from 'Cautious' to 'Adventurous', based on 'risk tolerance' scores which focus on volatility.

There are many types of investment risk: returns, sequence and volatility, so risk scales should be open and neutral, so that advisers and their clients can have a better conversation on the right level of risk for the client.

RISK3

Matching a client's score to the right portfolio

A score for a client is not so useful if it cannot be accurately matched to the right portfolio.
Again, using our huge financial dataset looking at returns, volatility and asset type we can accurately score any portfolio you add.
You will see the client's score and their portfolio's score next to each other, so you can clearly see if they match.

Matching a client's score to the right portfolio

A score for a client is not so useful if it cannot be accurately matched to the right portfolio.
Again, using our huge financial dataset looking at returns, volatility and asset type we can accurately score any portfolio you add once you integrate with Timeline Planning.
You will see the client's score and their portfolio's score next to each other, so you can clearly see if they match.
RISK-CTA2
RISK4

Integrated, flexible, accurate risk profiling at no cost

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Timeline Planning is a product of Timelineapp Tech Limited. Registered in England. RC: 11405676. 1 Tower House, Hoddesdon, Herts, EN11 8UR

Timeline Portfolios Ltd is incorporated under the laws of England and Wales (Company number 11557205) and is authorised and regulated by the Financial Conduct Authority (number 840807). 

Past performance is no guarantee of future return. The value of investments and the income from them can go down as well as up. You may get back less than you invest. Transaction costs, taxes and inflation reduce investment returns.