Client Investor Profile

The following information was gathered following the initial fact-finding with Sam,
our private banking customer:

Client Profile
● Sam, aged 32, is in secure employment earning $80,000 a year.
● She has no dependants but has a partner who she thinks could be long-term.
● She has a company pension in which she is already paying the maximum
possible contribution.
● She would like to travel with the money if she can get the time off work.
● She will be eligible for a sabbatical the year after next.
● Due to the unfortunate death of her mother, she has just inherited $2 million.

Client Borrowings
● She has no credit card debt.
● She has a mortgage at a fixed rate of 6% and has $400,000 outstanding on it.
● She has a car on finance at a rate of 10% and $15,000 to pay off.

Investment preferences:
● Her investment objective is quantitative; she would like to maximise the return
on her investment.
● She has an investment time horizon of 5-10 years.
● She does not require a monthly income from the investment portfolio
currently; she has adequate funds for day-to-day expenses. That may change if
her situation changes and she needs to support a family and/or not work for a
period. She is the more highly paid in her relationship.
● She would therefore like to invest wherever she can to maximise her returns
over the period while she does not need access to the capital.
● Could potentially invest some of the funds for longer but doesn’t want to tie it
all up for longer than 10 years.
● Risk appetite is high based on her assessment.

Investment Details
● Investment portfolio is $2m.
● Investment preference is capital gains.

Investment Restrictions:
● She does not have any preferences or restrictions toward the diversification of
the portfolio.

Existing Portfolio:
● Does not have an existing investment portfolio – just a savings account and
company pension.

1
 ● She has a savings account which she uses for putting aside money for holidays
and unforeseen expenses.

Reporting Preferences:
● Would like regular updates on how her investments are performing.

Others:
● Foresees a family in her future, which may require a break from working, a
bigger house, more cars, dependants, etc., so would want to have access to at
least some of the funds in a few years for that.
● Has an aunt whose mortgage she would like to pay off. She owes $200,000.
She would like to gift her the money for this.
● Does not have any other immediate requirements for the inherited funds.

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