News & Updates

There is some concern within the industry about the upcoming MiFID II regulatory framework, expected to come into force on January 3rd 2018, specifically regarding suitability and appropriateness.

Chasing past performance represents the sacrifice of future performance in exchange for current comfort. The reason investors make decisions that harm their long-term investment returns is rarely a lack of knowledge.

Valid and reliable measures of risk tolerance and the short-term behaviours investors exhibit in seeking emotional comfort with the investment journey both have crucial roles to play in a risk-profiling process.

Never gamify at the expense of accuracy. Gimmicky games trivialise risk tolerance, they do not test it.Helping clients navigate complexity is better than pretending it can be cost-effectively avoided.

Behavioural Economics is a rapidly expanding field and everyday new research is being developed in academia, tested and implemented by practitioners in financial organisation, development agencies, government 'nudge' units and more.

These are the core principles that define Oxford Risk's approach to suitability. These principles are united by applying academic insights to improve investor outcomes. They are about behavioural finance in real life.

Sustainable and would-be-sustainable investors are distinguished by attitudes far more than by demographics, and points to six 'social investment profiles' that indicate characteristics of different representative groups of the investing population.

The lowered valuations of assets is not important, only the value when you need to withdraw years in the future. You're much better to sit tight and wait, rather than to exit when markets are down.

Risk appetite questionnaires need not be (indeed, should not be) elaborate. Over-engineered and superficially sophisticated 'revealed preference' approaches result in exactly the same problem for investors as Kids do for investments: