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Risk Profile Questionnaire

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Q1. Investment Experience

         What is your experience with investment markets?

I have very little understanding of how investment markets work


I have a little experience in investing money and how markets work


I understand the importance of diversification


I understand that markets fluctuate and that different market sectors offer different income and growth features


I have a very good understanding of the factors that may influence performance, having previous investment experience in share and property and managed fund investments


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8 Points

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Risk Profile Questionnaire

The following questions are designed to help your financial adviser assess your attitude towards
investment and financial risk. This questionnaire is an important part of the process in helping to
determine what type of investor you are enabling your adviser to recommend an asset allocation strategy
that is appropriate to your specific risk tolerance.
Will you be filling out this form with another investor?


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Q2. Investment Objectives

         What return do you expect to achieve from your investments?

I don’t want to risk my capital. Standard term deposit rates

 

Cash rate. Reliable Returns

 

Cash rate plus 1-2% p.a. Achieve a balance between increasing returns and capital stability 

Cash rate plus 3-5% p.a. Focus is on higher returns with some capital stability

Cash rate plus 5-8% p.a. Maximise performance with capital stability a minor concern

 

Cash rate plus more that 8% p.a. Maximise performance with 100% exposure to Growth Assets

 

 

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Q3. Access to Funds

         When do you anticipate you will need to drawdown from your capital
         (excluding short term needs), how many year’s time?

2 years

 

3 years

 

At least 5 years 

In around 7 years

 

After 9 years

 

After 10 years or more 

 

 

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Q4. Volatility and Tolerance

         Investments can be unpredictable and returns can go up and down which may result in short term losses.
         How would you react if your investment portfolio decreased by 20%, after six months of investing

Be extremely concerned as you did not expect to take this sort of risk and you would withdraw you moneys immediately and deposit these funds into a safer investment like cash deposit funds or term deposits

Be concerned and if the market did not improve within a short period of time you would change out of the investment and deposit the funds into a more secure investment 

Be concerned but wait until the investments improve 

This was an unexpected event, but you will continue the investment, expecting performance to improve

 

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5 Points

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Q5. Attitudes about Risk

         What amount of risk are you comfortable with?

I am not comfortable with losses. I prefer to earn a lower return than lose money

I am willing to accept a lower return to keep my Investments stable 

I do not want to see my investment reduce too often, so will accept average returns 

I am comfortable if my investments reduce a few times each year

I am not concerned with regular and significant market drops in my portfolio 
1 Point
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Q6. Concerns about fluctuations

         How long would you be prepared to see your investment performing poorly before you cashed it in,
         if it was a long term investment?

I would cash it in immediately

Up to 6 months

Up to 1 year

Up to 2.5 years

I would not cash in and expect performance to recover over time

1 Point

3 Points

6 Points

8 Points

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Q7. Investment Philosophy

         Which one of the following best describes your investment philosophy?

I prefer investments that do not have any capital fluctuation associated with them

I prefer to diversify with a mix of investments which have low capital fluctuations. I can accept a small proportion of the portfolio invested in assets which have a higher degree of short term fluctuations, to achieve a slightly higher return over the longer term.

I prefer to spread my investments evenly in growth and income assets

I prefer to diversify my investments with more growth investments that have potentially higher long term returns but also have a small amount of stable investments

I prefer to select growth investments that have a higher degree of capital fluctuation so I can earn higher returns over the long term
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Q8. Concerns about inflation

         Are you concerned about inflation eroding your investment, and how do you feel about accepting
         the risk of short term losses from investing in growth assets to try counter inflation?

Inflation may erode my investments but I have no tolerance for loss

I have a small tolerance for loss

I am aware of the risks of inflation, but would prefer to limit losses

I am mostly comfortable with this trade-off to beat inflation

I am totally comfortable with this trade-off to beat inflation
1 Point
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Client Information

Client info

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Your Risk Score

Your Risk Profile

C1 text = [variable-127]

C1. Your Risk Score is [variable-26]

Your Risk Profile is Secure


A portfolio comprising of interest bearing defensive assets, with no proportion of growth assets. This Portfolio suits investors who give a high priority to the preservation of investment capital.

Your Risk Profile is Defensive


This suits investors who primarily seek income with some potential for capital growth.
It also suits investors seeking a lower level of investment value volatility.

Your Risk Profile is Conservative


This suits investors who seek a modest level of capital stability but are willing to accept moderate investment value volatility in return for commensurate potential investment.

Your Risk Profile is Balanced


This suits investors who are willing to accept higher levels of investment value volatility in return for potentially higher investment performance.

Your Risk Profile is Growth


This suits those who are willing to accept high levels of Investment value volatility in return for high potential investment performance.

  • Your Risk Profile is High Growth


Investors who are willing to accept very high levels of investment value volatility to maximise potential investment performance.

Capital stability is not a consideration.

C2 text = [variable-128]

C2. Your Risk Score is [variable-27]

Your Risk Profile is Secure


A portfolio comprising of interest bearing defensive assets, with no proportion of growth assets. This Portfolio suits investors who give a high priority to the preservation of investment capital.

Your Risk Profile is Defensive


This suits investors who primarily seek income with some potential for capital growth.
It also suits investors seeking a lower level of investment value volatility.

Your Risk Profile is Conservative


This suits investors who seek a modest level of capital stability but are willing to accept moderate investment value volatility in return for commensurate potential investment.

Your Risk Profile is Balanced


This suits investors who are willing to accept higher levels of investment value volatility in return for potentially higher investment performance.

Your Risk Profile is Growth


This suits those who are willing to accept high levels of Investment value volatility in return for high potential investment performance.

  • Your Risk Profile is High Growth


Investors who are willing to accept very high levels of investment value volatility to maximise potential investment performance.

Capital stability is not a consideration.



Do you have a preference for Ethical Investments, Environmental, Social Investments?
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