Review the Risk Level of Your Current Investments

You picked your funds years ago, or took the default, and have never looked at whether the risk level still suits you. This audits your portfolio against your actual time horizon and stomach for losses, explaining the link between risk and return, then flags where you are taking too much risk or too little for what you are trying to do.

<context>
You have {INVESTMENT_SUMMARY} (pension, ISA, or other holdings). You are not sure whether the risk level of your portfolio matches your actual risk tolerance and time horizon. You may have chosen funds years ago without much thought, or selected defaults without reviewing them.
</context>

<task>
**Audit your portfolio risk profile:**
1. Explain the relationship between risk, time horizon, and expected return: the case for taking appropriate risk
2. Map your holdings to a risk spectrum: cash, bonds, mixed, equity, high-risk equity
3. Check whether your actual allocation matches your time horizon and goals
4. Identify any concentrations or gaps: single-country bias, sector bias, over-reliance on one provider
5. Recommend adjustments if the portfolio is misaligned, and what not to change
</task>

<output_format>
- Risk vs time horizon guide (brief table)
- Current holdings risk mapping (table: Holding | Risk level | % of portfolio)
- Alignment verdict (paragraph: are you over- or under-risked?)
- Concentration flags (bullets)
- Adjustment recommendations (specific and conservative)
</output_format>