Risk Profile

Compared to others, how would you rate your willingness to take financial risks?

Very high risk taker

High risk taker

Average risk taker 3

Low risk taker

How familiar are you with investment markets?

I am experienced with all asset sectors and understand the various factors 1 which influence portfolio performance

I understand that markets fluctuate and that different asset sectors offer 2 different income, growth and taxation characteristics

I have just enough experience to understand some aspects of investment 4 markets

I have very little understanding of investment markets

How would you describe your experience with investment markets?

I have had positive experiences with investing that outweigh the negative

I am not familiar with investments and am cautious

I have previously lost money as an investor and am very cautious about 5 investing

What is the most aggressive investment you have made?

Direct shares

Managed funds

Investment property

Own home

High interest savings account

Once investments have been placed, how long would it be before you would need to access your capital?

Longer than 7 years

Between 3 and 5 years

Between 2 and 3 years

Less than 2 years (parking)

How much money have you set aside, outside of your superannuation, to handle emergencies?

Less than 1 month of living expenses

Between 3 and 6 months of living expenses

More than 6 months of living expenses

Inflation is a rise in the general level of prices of goods over time which can reduce your spending power. How much risk are you prepared to take to counteract the effects of inflation?

I am comfortable with short to medium term losses in order to beat inflation 1 over the longer term

I am conscious of the effects of inflation, but would prefer a position that limits 3 short to medium term losses

Inflation may erode my savings over the long term, but I have little tolerance 5 for short to medium term losses

Most investments can fluctuate both up and down i.e. volatility. How much could your investment fall in value over a 12 month period before you feel concerned and anxious?

More than 50%

Up to 50%

Up to 25%

Up to 10%

Up to 5%

Any fall in the value of my investments would make me feel concerned and 6 anxious

What would your reaction be if six months after placing your investment you discover that, in line with what is happening in the financial markets generally; your portfolio had decreased in value by 20%?

I would invest a large amount of additional funds expecting future growth

I would invest a small amount of additional funds expecting future growth

I would leave the investment in place and wait to see if the investment 3 improves

I would cut my losses and transfer some of my funds into more secure asset 4 sectors

I would cut my losses and transfer all of my funds into more secure assets e.g. 5 bank account, as I did not intend to take any risks

Would you be more concerned about the potential gains or possible losses when you are considering your investment options?

Potential gains

Equally interested in the possible losses and potential gains

Possible losses

Over the longer term, what return do you reasonably expect to achieve from your investment portfolio?

8% or above per annum

6-8% per annum

4-6% per annum

2-4 % per annum

0-2% per annum

Have you had an investment fall in value? If so, how did it make you feel?

Unconcerned and anticipating future investment opportunities

Unconcerned but not making any further investments

Concerned

Very concerned and asking friends and family about what I should do

I have never experienced an investment fall in value and would not want to

What degree of risk are you prepared to take to achieve your desired return?

I want to maximise potential returns regardless of risk

A high degree of risk would be acceptable for a large increase in potential 2 returns

A moderate degree of risk would be acceptable for a medium increase in 3 potential returns

A limited degree of risk would be acceptable for a slight increase in potential 4 returns

Security of capital is required regardless of potential returns

What are your future income requirements from your investments?

I require no amount of investment income as the focus should only be on 1 capital growth

I require a small amount of investment income as I am mainly concerned with 2 capital growth

I require an equal combination of investment income and capital growth

I require a large amount of investment income with only some capital growth

I require all of my investments to have a focus on income as capital growth is 5 not required

Have you ever borrowed money to make an investment?

I have borrowed money to invest in managed funds or direct shares or 1 structured products

I have only borrowed money to invest in an investment or rental property 3

I have never borrowed money to invest outside my own home

Based on your answer to the previous question, how did borrowing to invest make you feel?

Very confident

Confident