Understanding your attitude to investment risk

Part 2

Cornel Sampson BSc (Hons),Associate Partner

AISA International sroŠtítného 202/35,

130 00 PrahaOffice +420 222 361 850

If you're planning to invest, you need to know whether you are prepared to risk all or just a very small proportion of your money. How much risk are you willing to take?

Part 2 Ask – Do you recognise yourself?

People who fall into this category are uncomfortable with investments that put them at risk of losing money. This means that although they are less likely to lose the money they invest, there is a distinct possibility that it may not return enough over the medium to longer term (five years or more) to keep up with inflation, particularly after the deduction of any tax. Its spending power could therefore end up lower than they had hoped, possibly lower than it was at the start. The low risk investor may evaluate investments largely by how protected their money is and the degree to which a level of return is guaranteed.

Risk Profile – Low

Cautious investors are likely to be comfortable with investments that have some risk in order to reach their investment objectives. They want better returns than those offered by a bank or building society savings account and are prepared to put a limited part of their money in stock market investments. While the possibility of small fluctuations in their wealth doesn't bother them, they would prefer investments that are unlikely to fall substantially in value by the end of their intended investment period. They would be happier with a steadier but lower rate of growth than a higher but more volatile one and they accept that this may limit the potential for their money to grow and that there is a possibility that it may not maintain its spending power.

Risk Profile – Cautious

Balanced investors are comfortable with investments that offer some regular fluctuations in the value of their portfolio in exchange for the opportunity to achieve above average increases in their wealth. They want the spending power of their investments to increase, or their income to maintain its spending power over time. They are happy to consider putting some of their money into stock market investments with the aim of getting a better return. They accept that they could make a loss on the money they invest.

Risk Profile – Balanced

People who consider themselves adventurous investors are comfortable with regular fluctuations in the value of their portfolio and are willing to take on slightly higher risk than most other people in order to increase their wealth. They are aware that to achieve higher returns they will need to put a significant part of their portfolio in stock market investments. By investing in this way, their money could be subject to large fluctuations in value and that the potential for gain and loss is greater.

Risk Profile - Adventurous

Risk Profile - Speculative

Speculative investors have high risk tolerance. They are comfortable with significant short-term fluctuations in the value of their investments in exchange for superior returns over the long term. They recognise that the majority of their investments will be linked to various markets, possibly with some exposure to emerging economies. Despite higher expected returns, this approach gives a very real possibility that they may not get back as much money as they put in.

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ps See client testimonials & recommendations

Risk Profile - Still not sure?

Kevin O'Brien (client)Top qualities: Personable, Expert, High Integrity“I have worked with Cornel over the last year in a financial advisory capacity and would highly recommend him. Cornel has provided sound advice and has always been available to answer any questions I may have. He is also a very nice person to do business with.” September 13, 2010

Bent walde-Jensen (client)“Cornel is very dedicated to his clients” February 23, 2011Top qualities: Expert, High Integrity, Creative

Roland HeijneMember of the Board, Czech-Neth Business Support (business partner)“Cornel is a professional; very driven and customer focused, looking for the best options for his clients. Making him unique is the "service with a smile", showing that serious financial matters can very well be combined with an open and humoristicattitude. A partner to thrust and good company to discuss all the other things in life.”

Iztok Toplak (Client)Cornel is open minded advisor, that always comes with new creative ideas.” January 31, 2011

Recommendations from Network Members

Denis SuskoTop qualities: Personable, Expert, Creative“Cornel Sampson- is a name that I feel sure, we will hear spoken often in the Prague business community. Cornel is a unique person with EXCELLENT managing skills, patience, great sense of humour and creativity. I´d love to recommend Cornel and Aisa International to anyone! Cornel and the team have built strong and stable company inCzech Republic that offers great services and information to their clients. Their business strategy is very solid, safe and executed with the highest level of integrity. I learned so much from their informational seminar. I am proud to count Cornel as a friend.” June 20, 2010

Anna Tyulpanova, MBASpecial Projects and Client Relations, Aisa International (colleague)“Cornel is real professional in what he is doing. He takes care of his clients, providing with the most up to date information and helps to find right solution for every individual situation. He is high motivated hard working person, who always has new ideas of business development for the company.” June 22, 2010

Recommendations from Network Members

Ladislav Strojil (Client)Thanks to Cornel and Aisa I have been able to better manage my financials. He shared with me knowledge of financial opportunities and best practices. I have found Cornel to be very helpful and knowledgeable when dealing with him on many occasions for various aspects of services he provides. Cornel and the whole AISA team are extremely reliable and efficient with strong market knowledge. I would have no reservation in recommending Cornel and Aisa to anyone requiring financial advice, or just to see if there is any way that you could benefit.” February 8, 2011

Stuart Ramage (client)Stuart hired you as a Financial Advisor in 2009Top qualities: Personable, Expert, High Integrity“Personable, knowledgeable and always available for his clients. Cornel has great integrity and delivers results time and time again.” October 31, 2010

Recommendations from Network Members

Contact me now for a Free ‘No Obligation’ Risk Assessment

Cornel Sampson BSc (Hons),

Associate Partner

AISA International sro,

Štítného 202/35, Žižkov

Office +420 222 361 850

cscz@aisainternational.cz www.aisainternational.cz