Your risk profile looks at investment risk and your attitude to it. By asking you more detailed questions we can determine the most appropriate investment strategies to match your investment risk profile. Once all the sections are complete, we will discuss your scores and whether or not you are comfortable with the outcome.

After identifying your Risk Profile below, you might like to consider your Financial Goals.

1. Which of the following best describes your own experience level as an investor?

I have had virtually no experience in investing money apart from using bank accountsI have had limited experience in investingI have had a reasonable level of investment experienceI would consider myself an experienced investor

2. Which of the following best describes your level of knowledge and understanding of financial markets and investing?

SolidReasonableLimitedLow

3. Thinking about the risk you have taken with your past investment choices, how would you describe the level of risk?

HighModerateLowNot applicable as my past experience is limited

4. In the context of investing, what best describes your attitude to
risk?

It is something to be avoidedIt is a source of uncertainty and needs to be limitedIt can create the opportunity for improved returnsIt is something to be embraced

5. If asked to make your own investment decisions how would you feel?

Not confident at allSomewhat hesitantReasonably confidentVery comfortable

6. If you held a sizable investment that regularly went up and down in value, which would you be likely to do?

Watch its progress daily or weekly as I'm likely to be anxious about investment performanceWatch its progress monthly out of concern over investment performanceWatch its progress regularly, not out of concern, but just for general interestOnly check its progress once or twice a year

7. How would you feel if a large percentage of your investment
portfolio was invested in the share market?

Very comfortableReasonably comfortableA little hesitant but willing to consider itNot comfortable

8. In order to earn a return above the level of bank interest rates you may need to hold investments that go up and down in value (i.e. have volatility). How important is it to you to protect your investment and minimise the prospect of any fall in the value?

Very important. Protecting my existing investment is my main objective.Important, but I’m comfortable for at least a small part of my portfolio to have volatility in order to improve returns over the longer term.Somewhat important but I’m prepared to take on a reasonable amount of volatility in order to increase my chance of higher returns over the longer term.Not particularly important as I’m comfortable that having exposure to volatility is the best way to maximise returns over the longer term.

9. If you owned a large amount of shares and the stock market fell quickly by 20%, what do you believe your natural reaction would be?

To sell all the shares as soon as possible to avoid any further fallsTo sell the some of the shares to reduce exposure to future fallsTo hold the shares and wait for a recoveryTo look for ways to buy more shares

10. Investments that go up and down in value in the short-term (ie have volatility) are more likely to produce higher returns than investments that remain steady. Are you prepared to experience volatility in your investments in order to increase the chance of higher returns?

Yes, for a significant part of my investment portfolioYes, but only for some of my investment portfolioNo, not at all