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HS Financial Services - 4 investor types
4 investor types
Investors who take financial advice are generally happier with their investments' performance and have more confidence they'll meet their financial goals, according to findings published in the Zurich Wealth Risk Report. Mark Peters, Zurich's Head of Retail Wealth Propositions explains why it makes interesting reading.

The study questioned customers about the use of financial advice and how this impacted on their attitude towards risk and confidence in their investments' performance.

As well as this valuable insight, the findings also helped to build understanding of the approach advisers are taking. The vast majority of advisers are providing a tailored approach to their customers' investments needs, with more than 85% having discussions about attitude to risk which either result in a separate risk profile for each of their customers' investment goals, or a discussion about how attitude to risk impacts on their goals.

Emerging investor types
Four different investor types have emerged:

Stags
Opting for the highest risk option
Bulls
Willing to take high risk
Owls
Sticking to a low risk portfolio
Squirrels
Playing it safe


Nearly two thirds of 'Bull' investors, who benefit from financial advice, are pleased with the performance of their investments over the past year compared to just over half of Bulls who forgo the expertise of an adviser.

Likewise, 52% of Owls who take financial advice are also confident that their investments will secure their financial goals, compared to a smaller group of non-advised Owls (46%).

Interestingly, when it comes to their own investments, advisers show a much greater risk appetite. Nearly a third are Stags compared to just 8% of their customers; while just under half of advisers are Bulls compared to 29% of their customers. No advisers fell into the most risk averse group of Squirrels.

A better understanding


It also seems that when it comes to loss, all types of investor were less likely to be very upset if they had taken financial advice. This suggests the advice provides people with a better understanding of how investments can fluctuate in value, enabling them to reconcile a loss with the potential of gains in the future.

We believe the study illustrates the importance of financial advice and the need for customers to focus on their different investment goals. It is encouraging to see advisers drilling down to fully understand their customers' investment needs through in-depth discussion and a tailored approach.

Our range of tools and easy to understand investment solutions can help build on this momentum, to help advisers work with their customers so they fully understand risk.
Posted by: Anne Barker on 26 Jun 2014

General Buyer Terms

This agreement is in relation to MediEstates Limited whose registered office is at 1st Floor, Pacific House, Stanier Way, Wyvern Business Park, Derby, DE21 6BF acting for and on behalf of our clients ("the Vendors"); and yourself (Buyer's Name) in relation for an introduction to a prospective sale of a business as a going concern. By registering through this agreement I agree to all terms set out below:

  1. Definitions
    In this Agreement the following terms and phrases shall have the following meaning unless the context otherwise requires:

    Business
    Dental Practice business providing dental care. This business is under the MediEstates Ltd sale terms.
    Confidential Information
    Means the actual Vendors identity and all confidential information in respect of the Business, including, but not limited to, any ideas, business methods, prices, accounts, finance, marketing, research, development, manpower plans, processes, market opportunities, intentions, design rights, product information, customer lists or details, employees’ details, trade secrets, computer systems and software, and other matters connected with the products or services manufactured, marketed, provided or obtained by the Vendor, and information concerning the Vendor’s relationships with actual or potential clients or customers and the needs and requirements of such clients’ or customers’ operations.
  2. Obligation of Confidentiality
    The Prospective Purchaser agrees to treat as confidential, information supplied by or on behalf of the Vendor in connection with the sale of the Business.
  3. Exclusions
    The obligation of confidentiality set out in clause 2 does not apply to:
    1. any information received from a third party who was legally free at the time of disclosure to disclose it;
    2. any information which was already lawfully in the Prospective Purchaser’s possession prior to receiving it from MediEstates Ltd on behalf of the Vendor; and
    3. any information which is in its entirety already in the public domain.
  4. Duties of Prospective Purchaser
    1. The Prospective Purchaser shall take such a reasonable security measures to protect the Confidential Information and trade secrets.
    2. The Prospective Purchaser shall not, without the prior written consent of the Vendor, permit any of the Confidential Information:
      1. to be disclosed, other than in confidence to its legal or professional advisors;
      2. to be copied or reproduced;
      3. to be commercially exploited in any way;
      4. to be used for any purpose other than in connection with the prospective purchase of the Business;
      5. MediEstates is registered under the Data Protection Act 1998. Upon Signing this agreement you agree to follow the legal obligations of this act to protect the details of the information supplied to you, with it no to be passed outside of the control of you the prospective purchaser.
    3. The Prospective Purchaser agrees to keep a record of Confidential Information received.
    4. The Prospective Purchaser will return to MediEstates or the Vendor all documents containing Confidential Information and all copies of those documents on demand at any time which are in its possession or under its control, and for this purpose the term “documents” includes computer discs and all other materials capable of storing data and information. The Prospective Purchaser agrees that such documents remain the property of the MediEstates on behalf of the Vendor.
    5. The Prospective Purchaser must not jeopardise or re-direct the sale under any circumstances.
    6. The Prospective Purchaser must not contact the Local Area Team or CCG regarding any practice sale, by any means of media unless written permission is granted from the Vendor.
    7. To carry out own due diligence on practice purchases and accepts that any information MediEstates has supplied is information provided by the vendor and is not responsible for its accuracy or completeness.
  5. This Agreement
    The existence of this Agreement and its terms are confidential and neither MediEstates nor the Purchaser may disclose anything about this Agreement or its subject matter or implementation to any person other than in confidence to their legal or professional advisers.
  6. Duties of Prospective Purchaser
    When buying Dental practices, finance is normally needed. Our organisation operated over more than one of the MediHoldings brand, by completing this from you agree that the information can be shared to our other organisations to avoid the need to register independently and provide the best possible service.

    MediEstates will refer you to the specialist dental lending team and MediFinancial who will contact the necessary banks, whom have preferential healthcare lending rates in some cases, to ascertain which funding is available to you.
    By signing this agreement you do not have to use any of the banks MediFinancial contact, it is just another service which we provide.
  7. Deposit for Dental Practice
    If you are interested in putting forward a formal offer in for a practice, once the offer is accepted there will be a deposit required to secure the practice sale which is dependant of the practice size. This deposit is held in a client account and will be returned to the buyer on completion of the practice sale. You the buyer, will be required to sign a deposit schedule which will cover the buyer and the seller in the event that the practice sale does not proceed.
  8. Changes to this Agreement
    Any changes made to this agreement must be authorised and signed by one of MediEstates Ltd Directors.
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