n Personal Finance Newsletter - The art and science of financial planning (part 2) : retirement planning




WE discussed in last month's article that early in the financial planning process, there are two vexing questions which a planner needs to attempt to establish the first being the client's risk profile, with specific reference to a client's longevity. This month we look at the other elements that form part of a client's risk profile Risk is something that is inherent in any form of investing. Be it equities or cash, all assets classes carry a form of investment risk. For example, cash carries inflationary risk, which is the risk of real capital erosion, while equities carry the risk of capital loss through bankruptcy or unrelated equity market factors.


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