Risk Profiling

Dynamic Planner is the most widely used risk profiling and asset allocation process in the UK, used by thousands of advisers and paraplanners from large networks and nationals to high quality regional and local firms and private client management firms up and down the country. A growing number of firms use Dynamic Planner internationally too.

Dynamic Planner available on Desktop, iPad and iPhone

Investment Suitability

Ensuring investment suitability remains at the heart of the value you bring to your clients. Helping clients understand the risk they are willing and able to take, then accurately translating this into an asset allocation-based investment strategy and portfolio that remain suitable over time is becoming increasingly challenging. Plus, suitability remains a key focus for the FCA and suitability requirements have increased recently with Europe’s MiFID II regulation.

Accurate risk profiling helps build longer, deeper relationships with your clients, enabling them to recognise the value that you and your firm bring, and trusting you to advise on more of the things that matter to them. Accurate risk profiling results in a greater likelihood that clients will not only meet their long-term financial goals but that in a market downturn they will be comfortable with any short-term falls in value.

Good risk profiling helps assure compliance with FCA regulation and avoidance of regulatory sanction or client redress. At the same time, the independent, robust asset allocations created for each risk profile can help you deliver good, risk-adjusted returns to your clients.

“When we, as a firm, risk profile new clients – and regardless of where they sit on the scale – we know that the investment we are recommending has been carefully mapped by Dynamic Planner”

Tom OrchardAnnetts and Orchard

“Because it is recognised so widely within the industry, we know that by using Dynamic Planner’s attitude to risk questionnaire we are asking all the right questions; we know we are not missing anything”

Jackie MillsChase Buckingham
Risk Profiling app on the iPad

Award Winning Risk Profiling

  • A 49 asset class model provides default, optimised allocations for each risk level and easy comparisons with a client’s current allocation
  • Beautifully designed risk profiling reports can be produced at the touch of a button and white labelled for your firm
  • iPhone and iPad app enriches face-to-face suitability discussions
  • Client email invitation enables risk profiling to be completed by client securely online – saving you time

Trust Our Proven Model

No other risk profiling service can compare with our market leading experience. Our highly qualified in-house team have many years of financial planning, actuarial and investment management expertise. We work with leading academics from the International Capital Market Association Centre at the Henley Business School to incorporate latest developments in research and psychometric thinking. The Dynamic Planner Investment Committee reviews allocations and model assumptions quarterly and includes independent experts from academia and industry.

The Dynamic Planner proprietary asset allocation model has a proven track record of delivering against risk profiles. The target allocations are designed to optimise risk-adjusted returns for each profile and deliver within a range of expected returns and losses. A quarterly review of allocations and risk-return assumptions are then overseen by the Investment Committee and a range of apps help complete the risk profiling process efficiently and productively.

Dynamic Planner working with Henley Business School
Dynamic Planner working with the International Capital Market Association Centre

The No. 1 Risk Profiling Process

Investor experience profiling designed to meet FCA requirements. Choice of three different length psychometric questionnaires with a robust, auditable approach covering:

 

  • Experience with investing
  • Attitude to investment risk
  • Capacity for taking investment risk

The Questionnaire

Each questionnaire designed and tested to rigorous standards.

 

  • Plain English Crystal Marked risk descriptions
  • Value at risk assessment based on one in 20 year expected losses
  • Assessment of client’s existing portfolio risk
  • Optimised asset allocations

Next - Ensure ongoing suitability with portfolio reviews

Portfolio Review

Want to see what Dynamic Planner can do for you?

Schedule a free no-obligation demo with a business consultant and experience the full functionality of Dynamic Planner.