To determine your attitude to pension risk please answer the following questions. We shall use your answer to calculate a numerical value which can be used to respresent your attitude to pension risk.

very cautious
willing to take modest risks but only after very careful research
willing to take substantial risks after considering the possible outcomes
someone who embraces risk, perhaps without due consideration

cancel the holiday
change to a more modest holiday
go as planned
extend your planned holiday since time is no longer a problem

not answer and take the €50,000
eliminate one incorrect answer, leaving you a choice of three: if wrong you go home with €25,000; if correct you collect €75,000
guess the answer: if correct you win €100,000, but if wrong you go home empty-handed

pack two days earlier, setting a second alarm clock for a time which will get you there at least 2 hours beforehand (allowing for traffic delays)
pack the night before, setting two alarm clocks for a time to arrive at or before the 90 minutes
finish packing just before leaving, but in time to get there 'in or about' the 90 minutes
take the view that 90 minutes really means 60

premium €700, with excess of €250
premium €600, with excess of €1,000
premium €300, with excess of €5,000

a month's salary
3 month's salary
6 month's salary
As much as you could raise

little or none
fairly good
very good

not make a selection and go with the 'Default' option (*)
feel comfortable selecting one or more funds
not feel comfortable but make a quick decision (don't understand too well / not very interested)
make the best decision you could, having researched the options
seek and follow advice from a friend or colleague
I'm not a member of a group scheme / question not applicable

(*) the Default option is the one made available by the Trustees for members who prefer not to select for themselves

strongly disagree
mildly disagree
no opinion
mildly agree
strongly disagree

strongly disagree
mildly disagree
no opinion
mildly agree
strongly agree

switch it all into a safer fund(s) to protect from further falls
switch half of it into a safer fund(s)
do nothing
switch into more aggresive funds to exploit the fall in markets

cause you significant stress?
bother you, but not to the degree of significant stress?
not bother you – these things happen
never made such an investment

Portfolio A
Portfolio B
Portfolio C
Portfolio D



The following article may be useful resource to assit you and your loved ones in developing your retirement plan and creating a secure and safe future for you and your family.

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