i-Investor

What kind of investor are you?

How your investments perform during your working lifetime can go a long way to determining the size of your pension pot, within the Scheme, when you come to retire. Taking an interest in where your money is invested could literally pay dividends.

'i-Investor' has been created to help you determine which funds might be most applicable to you - based on your attitude to investment risk.

You will be asked to answer 10 investment related questions. Your answers will be summarised and the relevant fund factsheets will then be made available to you.

There are no clear right and wrong options as much depends on your personal circumstances. The Scheme offers a range of options from taking full control of your investments to the three 'Lifestyle' funds - where the decisions around individual fund selection are made for you.

Question one

Please choose one of the answers

How much involvement would you like to have in choosing which funds you invest in?

Minimal involvement.

Some involvement.

A moderate amount of involvement.

I want full control of my investments.

Please make a selection

Question two

Please choose one of the answers

How far are you away from your anticipated retirement date?

Within the next 5 years.

5 to 10 years.

10 years or more

Please make a selection

Question three

Please choose one of the answers

Do you have pension savings in addition to those within the DC Section of the Scheme?

Yes, I have significant savings for retirement elsewhere.

I have some savings for retirement elsewhere.

No, I only have the funds with the DC Section of the Scheme.

Please make a selection

Question four

Please choose one of the answers

Are you cautious when it comes to financial matters?

Yes, I am generally cautious.

I am happy to take a small amount of risk for better returns.

No, I am comfortable to take greater risks to achieve better returns.

Please make a selection

Question five

Please choose one of the answers

Are you worried that the funds you invest in could fall as well as increase in value?

No, I accept that investments with the potential for higher returns can also fall in value.

I accept my fund may not always grow but would not want to see them reduce in value.

Yes, I would be concerned if I was invested in funds which could lose money.

Please make a selection

Question six

Please choose one of the answers

Would you be prepared to pay higher contributions in order to reduce the risk of not having sufficient funds at retirement?

Yes, I would rather pay more money into my pension that risk the value of what I have already built up.

I would be prepared to pay more in but would accept taking some risk with the money I have already paid.

No, I would prefer to invest in funds which have the potential for higher growth even if these funds potentially have a greater risk of losing money.

Please make a selection

Question seven

Please choose one of the answers

How would you rate your understanding of the financial markets?

Expert.

Accomplished investor.

Average understanding.

Novice.

No experience at all.

Please make a selection

Question eight

Please choose one of the answers

With regard to any general savings you have, where do you invest these?

I don’t save money.

I keep all my money in bank/building society accounts.

I have some shares.

I actively trade in stocks, shares, bonds etc

Please make a selection

Question nine

Please choose one of the answers

What is your reaction when you hear news about falls in the financial markets?

It doesn’t concern me as I tend to invest in funds that are not impacted by short term market changes.

I would look to move my pension savings to safer funds to minimise the chance of future loses.

Market fluctuations happen all the time, I would not worry too much about it.

Please make a selection

Question ten

Please choose one of the answers

If your pension fund was not performing as well as you would like it to, what would you do?

I would look to pay more money in.

I would consider changing my fund choices to those that seek to provide higher returns even if this means the funds are more risky.

I would stick with the funds I have with the view they will perform better in future.

Please make a selection

Disclaimer

Your results are ready but you must read and accept the disclaimer before we can show them to you.

The purpose of this i-Investor tool is to support you in your decision making about the investment of your Personal Account. It is not intended to provide you with any investment advice. The Trustee of the Prudential Staff Pension Scheme is not authorised to provide members of the DC Section of the Scheme with investment advice. This i-Investor tool aims to help you better understand certain aspects of investment risk and the investment options available to you. By clicking the box below you are acknowledging and agreeing that the i-Investor tool is for illustrative purposes only. If you are unsure on what to do then it is strongly recommended that you seek independent financial advice. Information on independent financial advisers in your area can be found at www.unbiased.co.uk.

Please check the box to confirm you have read the disclaimer, and acknowledge and agree that this i-Investor tool is for illustrative purposes only, to support you in your decision making, and the Trustee is not providing you with any investment advice.

Please check the box to confirm you have read the disclaimer.

Your profile

Unknown

Click here for information about
Partial Transfer Option

Click here to access
the Lifestyle Option

Fund factsheets that may be suitable for your suggested profile:

PSPS Cash - active low risk fund

PSPS Total Return Bond - active low / medium risk fund

PSPS Diversified Liquid Alternatives - active medium risk fund

Prudential With Profits medium risk fund

PSPS Index-Linked Gilts - passive medium risk fund

PSPS Index-Linked Gilts - active medium risk fund

PSPS Long-Dated Gilts - passive medium risk fund

PSPS Fixed Interest Bonds - active medium risk fund

PSPS Corporate Bonds - active medium risk fund

PSPS Diversified Growth - active medium risk fund

PSPS Islamic Global Equity - passive high risk fund

PSPS Impact Equity - active high risk fund

PSPS Sustainable Equity - passive high risk fund

PSPS Emerging Markets Equity - active high risk fund

PSPS UK Equity - passive high risk fund

PSPS UK Equity - active high risk fund

PSPS Overseas Equity - passive high risk fund

PSPS Global Equity - active high risk fund

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