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Hurricane Gonzalo; 
we need to get better at weathering storms
The tail end of Hurricane Gonzalo has hit the 
UK. The British people are holding onto their 
hats as rain and high winds batter the Welsh 
and Scottish coast lines, causing travel 
disruption for thousands of commuters. 
Few people enjoy extremes. Highs and lows 
disrupt the rhythm of everyday life and shake 
our security. It makes some people worry, 
change plans or even make decisions they 
later regret. 
When it comes to financial planning, the fears 
of highs and lows are why many are fearful of 
investing and often leave their savings held in 
cash. 
Cash savings may be providing little return in 
interest at the moment, but for some the 
security of having nothing, is better than the 
prospect of having to weather the storm of 
stock market fluctuations. 
Just as Hurricanes are categorised in terms of 
their strength, risk and severity, so too are 
investments.
You can choose to take a cautious, low risk 
approach to investing your money, with the 
aim to provide a better return than cash 
saving. Or, you can take a very high risk 
based approach, with the aim of producing 
much higher returns. The point is that if a 
hurricane were to hit the world of stock 
markets, you should only ever be invested up 
to the point where you could comfortably sit 
and enjoy the rain. 
At Sanlam, our aim is to make investing 
accessible and easy to understand. 
As part of our advisory process we talk to our 
clients about their tolerance and capacity 
towards taking investment risk, alongside 
achieving their investment goals. We find the 
right balance of risk versus reward. 
Sanlam offers a range of seven portfolios 
which allow our clients to invest in a diverse 
range of carefully selected investments, bonds 
and cash, which are designed to match the 
individual client’s attitude to risk.
The Sanlam Accel models are colour coded 
Red, Orange, Yellow, Green, Blue, Indigo and 
Violet. Red being the most cautious, with 
Violet more suited to clients who are 
comfortable watching the markets rise and 
fall, in order to achieve higher returns. 
Making risk a fundamental part of the Sanlam 
advisory process means that when financial 
markets become volatile and a storm is 
brewing, our clients know that they don’t need 
to batten down the hatches and worry. Dark 
clouds may well be on the horizon, but 
because their investment portfolio suits their 
individual needs, there is little need to worry. 
Good financial planning is all about being 
prepared for the unexpected. To be saving for 
the future, to not take unnecessary risk and 
have made decisions which are considered, 
balanced and appropriate.
Holding money in cash because of a fear of 
investing can be considered a risk during 
long periods of low interest rates. Cash 
savings may sound secure, but without good 
rates of interest being paid, savings can 
struggle to keep up with inflation. 
You don’t have to be knowledgeable about 
investing to be an investor; it is about 
speaking to a Wealth Planner to get good 
financial advice. 
If you are considering alternative investments 
for your cash savings, speak to your Wealth 
Planner. If you would like to find out more 
about Sanlam and our risk based approach to 
providing wealth management advice, email 
us at letstalk@sanlam.co.uk 
This article is for information purposes and should not be 
treated as advice. Individual circumstances should always be 
considered prior to purchasing any financial products. For 
further information please contact your Wealth Planner. 
Sanlam is a trading name of Sanlam Wealth Planning UK Ltd 
(Reg. in England 3879955) and English Mutual Ltd (Reg. in 
England 6685913). English Mutual Ltd is an appointed 
representative of Sanlam Wealth Planning UK Ltd which is 
authorised and regulated by the Financial Conduct Authority.

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Hurricane gonzalo; we need to get better at weathering storms

  • 1. Hurricane Gonzalo; we need to get better at weathering storms
  • 2. The tail end of Hurricane Gonzalo has hit the UK. The British people are holding onto their hats as rain and high winds batter the Welsh and Scottish coast lines, causing travel disruption for thousands of commuters. Few people enjoy extremes. Highs and lows disrupt the rhythm of everyday life and shake our security. It makes some people worry, change plans or even make decisions they later regret. When it comes to financial planning, the fears of highs and lows are why many are fearful of investing and often leave their savings held in cash. Cash savings may be providing little return in interest at the moment, but for some the security of having nothing, is better than the prospect of having to weather the storm of stock market fluctuations. Just as Hurricanes are categorised in terms of their strength, risk and severity, so too are investments.
  • 3. You can choose to take a cautious, low risk approach to investing your money, with the aim to provide a better return than cash saving. Or, you can take a very high risk based approach, with the aim of producing much higher returns. The point is that if a hurricane were to hit the world of stock markets, you should only ever be invested up to the point where you could comfortably sit and enjoy the rain. At Sanlam, our aim is to make investing accessible and easy to understand. As part of our advisory process we talk to our clients about their tolerance and capacity towards taking investment risk, alongside achieving their investment goals. We find the right balance of risk versus reward. Sanlam offers a range of seven portfolios which allow our clients to invest in a diverse range of carefully selected investments, bonds and cash, which are designed to match the individual client’s attitude to risk.
  • 4. The Sanlam Accel models are colour coded Red, Orange, Yellow, Green, Blue, Indigo and Violet. Red being the most cautious, with Violet more suited to clients who are comfortable watching the markets rise and fall, in order to achieve higher returns. Making risk a fundamental part of the Sanlam advisory process means that when financial markets become volatile and a storm is brewing, our clients know that they don’t need to batten down the hatches and worry. Dark clouds may well be on the horizon, but because their investment portfolio suits their individual needs, there is little need to worry. Good financial planning is all about being prepared for the unexpected. To be saving for the future, to not take unnecessary risk and have made decisions which are considered, balanced and appropriate.
  • 5. Holding money in cash because of a fear of investing can be considered a risk during long periods of low interest rates. Cash savings may sound secure, but without good rates of interest being paid, savings can struggle to keep up with inflation. You don’t have to be knowledgeable about investing to be an investor; it is about speaking to a Wealth Planner to get good financial advice. If you are considering alternative investments for your cash savings, speak to your Wealth Planner. If you would like to find out more about Sanlam and our risk based approach to providing wealth management advice, email us at letstalk@sanlam.co.uk This article is for information purposes and should not be treated as advice. Individual circumstances should always be considered prior to purchasing any financial products. For further information please contact your Wealth Planner. Sanlam is a trading name of Sanlam Wealth Planning UK Ltd (Reg. in England 3879955) and English Mutual Ltd (Reg. in England 6685913). English Mutual Ltd is an appointed representative of Sanlam Wealth Planning UK Ltd which is authorised and regulated by the Financial Conduct Authority.