This website is for financial advisers within the UK, Customers looking for Zurich products please go to Unless you are a financial adviser in the UK who has entered into separate contractual arrangements with Zurich Intermediary Group Limited (“ZIG”) for access to the secure parts of this website, the viewing of this web site is subject to Disclaimers, which, by continuing to access this site, you acknowledge that you have read and accept.

We use cookies to provide you with a responsive service to make your experience of our website(s) better. Please confirm that you agree to our use of cookies in accordance with our cookies policy.

By continuing to use our website we will assume that you are happy to receive non-privacy intrusive cookies. Please be aware that if you disable cookies some functionality on the site will not work.

Alternatively, read our cookies policy to find out more about our cookie use and how to disable cookies.

    • Protect the environment. Think before you print.

Planning to win with Justin Rose

24 July 2017

Olympic gold medallist and Zurich Golf Ambassador, Justin Rose, chats about his golf game and how his financial adviser has helped shape his future

Justin Rose

Whether winning on the golf course or building a successful financial plan, dedication and commitment are imperative, Zurich golf ambassador Justin Rose tells Jennifer Hill

When out on the course, golfer Justin Rose continually evaluates the risk of certain shots with his caddy – and considers risk assessment as pertinent in the business world as it is on the sports field.
“Sometimes I will play the ‘risky’ shot and sometimes the ‘low-risk’ option,” says the professional, who won his first major championship at the 2013 US Open, becoming the first English player to win a major since Sir Nick Faldo in 1996 and the first to win the US Open since Tony Jacklin in 1970.
“The ability to take risk-based decisions to achieve the required outcome is a key factor needed as a professional sportsperson or when building and running a business,” says Justin. “An entrepreneurial outlook is another key attribute for both.”


Justin now lives with his wife and their two children in Orlando, Florida, but cites some of his best investments as those made in the UK.
As part of a generation which has generally only known British house prices to appreciate in value, he has some of his wealth tied up in bricks and mortar, which he regards among his best investments.
“I grew up in the UK, purchased my first properties here and retain strong links to the UK, so I have benefited from some good property value increases,” he says.
“I have also gained access to some unique hedge funds, which have been good investments.”
And the worst? “Whilst I hope they do not turn into my worst investments, I have invested in some start-up opportunities.
“The biggest learning has been the impact of subsequent rounds of fundraising which start-ups generally undertake and the powerful impact of dilution if you do not participate. These are still viable businesses and I hope there will be an exit at some stage.”
The importance of having a thorough annual review draws a parallel between keeping his financial plan on track and continued sporting excellence.
“My financial professional insists on visiting me at home at least once a year, when we review all aspects of my financial affairs, which is akin to my performance analysis as a sportsman,” he says.
“Dedication and commitment are two significant factors in excelling at sport. I believe that both are key factors in planning my financial affairs; I need a financial plan which I have bought into and am committed to fulfilling.”

• The 2017 British Masters will take place at Close House Golf Club, Newcastle, from 28 September to 1 October

Jennifer Hill
is a former deputy money editor of The Sunday Times, personal finance correspondent of Reuters and personal finance editor of The Scotsman


I have a diverse portfolio of financial investments, which includes shares, fixed income, commodities and some hedge fund exposure. Due to contacts I have made throughout my career, I have made some direct investments into private equity opportunities.
As a member of the PGA Tour, I have joined their retirement plan, which has both contributory and non-contributory policies. In addition, as I earn taxable income in both the UK and US, I also fund personal pensions in each country.
I also hold property assets, some of which are personal residences and some residential property for investment purposes.