1. Your Personal Investment Fitness Test
Yes =
Yes
No
No =
Strategy
1. I have an up to date written plan for my investment which clearly
states: a) my top three financial goals
b) by when and how much I need to achieve them
2. I know the required return to get me from where I am now to my
financial goals being achieved on time.
3. My portfolio has been designed and built so as to produce my required
return.
4. My adviser has clearly explained to me how the portfolio will deliver
my requiredreturn
Performance
Yes
No
Yes
No
1. The reports I receive on my investments are totally clear to me
2. I am totally clear about how my portfolio has performed in absolute
terms and relative to my target return over the last 5 years
3. There is a clear overall total target return against which my portfolio’s
performance is judged
4. My adviser has set a clear overall benchmark against which my
portfolio’s performance is judged
Accountability
1. I am totally satisfied with my current investment advisor and all they
have done for me
2. My advisor is proactive and keeps their promises
3. My questions/queries are dealt with in an efficient and timely manner
4. A clear review of my investments with me is carried out at least once
a year to make sure my plan is on track

2. Yes
No
Yes
No
Yes
Risk
No
1. My adviser regularly does a thorough scientific based risk/reward with
me
2. My portfolio does not have too much invested in one country or
geographic region
3. My portfolio is not overly invested with one fund management group
or set of in-house funds for me
4. My portfolio is not in high risk investments which have blown up or
could blow up
Tax
1. My portfolio has been designed for maximum tax efficiency in
consultation with my tax advisers
2. I am reminded in good time about my annual ISA contributions
3. I am reminded in good time about my annual pension contributions
4. My adviser is proactive in bringing tax planning opportunities to my
attention
Cost Control
1. I have a written schedule showing down to the last penny all the fees
and charges I am paying on my investments
2. I have been made aware of the impact of fees and charges on my
portfolio’s performance and that high fees are the best predictor of
poor future performance
3. My portfolio is not invested in any of the following vehicles which
have high fee structures
Hedge funds
Structured Products
Closet tracker funds
4. My adviser does not charge entry and exit fees on my investments

3. For more information on Investment Fitness Club & helping you get
your investment to peak fitness, please contact saul@invfit.co.uk