Invest Without Being Ripped Off — Financial Assessment
Your Personal Financial Assessment
This takes approximately 18 minutes to complete. Your answers generate a personalised summary of your current financial picture, along with simple steps on how you can align your portfolio with the appropriate model portfolio that my analysis has created, if you wish to.
Important: Your answers are used only to generate this summary and are not stored.
Section 1 of 8
About you
Section 1 of 8
Under 2525–3435–4445–5455–6465+
SingleIn a relationshipMarried/civil partnershipSeparatedDivorcedWidowed
NoYes
Employed full-timeEmployed part-timeSelf-employedCompany directorRetiredNot workingStudent
LondonSouth EastEngland — OtherScotlandWalesNorthern IrelandOutside UK
Your income
Section 2 of 8
Before tax means the full amount before income tax or National Insurance is taken.
Under £15,000£15k–£25k£25k–£40k£40k–£60k£60k–£100kOver £100kNo employment income
NoYes
NoYes
No pension yetState PensionWorkplace pensionPersonal pension
NoneUniversal CreditChild BenefitHousing BenefitTax CreditsCarer’s AllowanceDisability benefitsOther
Very stableFairly stableVariableUncertain
Stay similarIncreaseDecreaseUnsure
Your outgoings
Section 3 of 8
Under £500£500–£999£1,000–£1,499£1,500–£2,000Over £2,000Own outright
Under £300£300–£600£600–£1,000Over £1,000
Under £200£200–£400£400–£700Over £700
NoYes
NoYes
NoYes — workplaceYes — personal
Yes — comfortablyYes — small amountRoughly breaks evenNo — sometimes run short
Your assets
Section 4 of 8
Yes — outrightYes — with mortgageNo — rentingNo — with family
Under £150k£150k–£300k£300k–£500k£500k–£1mOver £1m
NoYes
NoneUnder £5k£5k–£20k£20k–£50kOver £50k
NoCash ISAStocks & Shares ISALifetime ISAOther ISA
NoYes
No / don’t knowYes
No/unlikelyPossiblyYes — within 5 yearsYes — further awayPrefer not to say
Your debts
Section 5 of 8
NoYes
Fixed rateVariable/trackerInterest-onlyDon’t know
NoYes
NoYes
NoPlan 1Plan 2Plan 5Yes — unsure
Comfortable — paying downManageable — want to reduceSignificant burdenStruggling to keep up
Your attitude to risk
Section 6 of 8
Sell everythingMove to something saferWait and seeStay the courseInvest more
Avoid risk entirelyCautious — modest returnsAccept some ups and downsComfortable with swingsHigh risk / high reward
Under 1 year1–3 years3–5 years5–10 years10+ years
NoUnder 3 months expenses3–6 monthsOver 6 months
No — beginnerDabbled a littleSome experienceActively manage investments
No restrictionsYes
Your goals
Section 7 of 8
Get out of debtBuild savingsBuy a homeGrow investmentsPlan for retirementProtect familyStart/grow a businessOther
Children’s educationHelp familyTravel/lifestyleSecond propertyLeave inheritanceFinancial independenceReduce hours
Before 5555–6060–6565–70Won’t fully retireAlready retired
Modest — basics coveredComfortable — similar to nowActive — travel and hobbiesWealthy — significant spending
NoYes — first homeYes — upsizingPossibly
I worry a lotDay to day — no planFairly organisedConfident and in control
Final questions
Section 8 of 8
Yes — up to dateYes — needs updatingNoIn progress
YesNoNot sure what this is
No — new to thisYes — informallyYes — professional adviser
As little as possibleUnder an hour1–3 hoursI enjoy managing actively
investwithoutbeingrippedoff.comdavidryder.comSocial mediaWord of mouthSearch engineOther
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