No investment is without risk. The philosophy at Thomas Heald is to provide you with the tools to help you match the investment risk of your chosen fund portfolio with your own personal attitude to risk. We therefore recommend that you use our risk profiler, which will help you ascertain your own personal attitude to investment risk, and your tolerance to loss.

The Thomas Heald portfolios have been designed so that you can choose one which matches your personal risk profile and chosen investment term; and provide you with a well diversified portfolio across all asset classes. This is an effective way of reducing the volatility of your investments, whilst aiming to generate growth.

Please note the following:

• An investment should be for the medium to long term.
• The investment options available are not intended to imply that they are suitable to your own personal circumstances, and if you are at all unsure then please seek advice by contacting us.
• Past performance is no guarantee of future returns.
• The value of investments and any income from them can fall as well as rise.

• Changes in currency rates may cause the value of certain funds to fall or rise.
• If regular withdrawals are being taken from the investment, and the level of withdrawals exceeds the growth of the fund (after charges), then the initial capital invested will be eroded.
• Property funds can carry a liquidity risk as the underlying investment, due to its nature, may not be readily realisable. Some funds may impose delays of up to 6 months or more before they will pay out any surrender proceeds. In addition, the value of property can be subjective and will depend on both the valuer’s opinion, and the prevailing conditions in the markets.
• High Yield Bond funds may invest in bonds that carry a higher risk of default by the bond issuer in order to obtain a higher income yield.
• The content within this website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.