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Your personal investment style

The amount of risk an investor is willing to accept is known as their 'risk profile'. Assessing a person's tolerance to investment risk is a key aspect of portfolio construction and is critical to determining appropriate asset allocation, the recommended investments and expected returns.

A person's individual risk profile often changes over time for various reasons. Additionally, it is normal to have different risk profiles for your investment horizons. For example, a person may accept higher risk/retuns for their super whilst accepting no risk for their day to day savings.

The following questions are designed to help determine your risk profile. Investigating your financial needs, circumstances and objectives will in developing an investment strategy and recommendations to suit your specific requirements.

Your personal investment style

Question 1 (Your liquidity requirements, ie having access to your funds)

Apart from any short-term and ongoing needs for access to cash, how long do you envisage it will be before you require access to most of your funds?

1 year or less.
2 to 3 years.
3 to 5 years.
5 years or more.

Your personal investment style

Question 2 (Your investment experience)

How familiar are you with investment markets?

I have no experience at all.
I have a basic understanding of investment markets.
I have a strong understanding of investment markets.
I am an experienced investor.

Your personal investment style

Question 3 (Your attitude to risk)

How comfortable are you with putting your initial investment at risk to achieve a higher level of return?

I am not prepared to accept any loss of my initial investment.
I am prepared to accept minor losses to my initial investment.
I understand that in seeking higher returns I may have to accept some loss of my initial investment.
In seeking a higher return, I am prepared to accept a loss of my initial investment.

Your personal investment style

Question 4 (Your investment objectives)

What do you want to achieve from your investments?

I want a source of income. I am not particularly concerned about my initial investment growing in value.
My priority is to generate income. However, I would like to see my initial investment grow over time.
My priority is the capital growth of my initial investment. However, I would like to generate some income.
My focus is on investment growth. I am not interested in generating income.

Your personal investment style

Question 5 (Your concerns about inflation)

How important is it to you that the value of your initial investment keeps pace with or exceeds the rate of inflation over your investment time frame?

Not important.
Important.
Extremely important.

Your personal investment style

Question 6 (Your concerns about taxation)

When investing, how important is it for you to minimise your income tax? Bear in mind that tax-minimisation strategies may involve taking some risk with your initial investment.

Not at all.
Slightly important.
Important.
Very important.

Your personal investment style

Question 7 (Your attitude to capital loss)

How would you react if the value of your portfolio fell by more than 20% in any year?

I would consider redeeming all my assets and transferring them to cash
I would be concerned and consider changing my investment strategy.
I would be confident that my strategy remains appropriate for my time horizon and would make no changes.
I would consider investing more to take advantage of the lower entry prices.

Your personal investment style

Question 8 (Your investment preferences)

Which one of the following best describes your attitude to market volatility when choosing an investment?

I prefer investments that are not affected by market volatility so the value of my capital will not fluctuate.
I prefer investments with a low risk of volatility; however, I am happy to have a small portion of my portfolio invested in assets with potentially higher levels of short-term capital fluctuation
I prefer to spread my investments across the different asset classes and accept that some capital fluctuation will occur as a result.
I am comfortable including investments with a higher degree of capital fluctuation in my portfolio, but like to maintain a small amount of stable investments to smooth returns over time
I am comfortable investing the majority of my portfolio in assets with higher levels of capital fluctuation.

Your personal investment style

Question 9 (Your attitude to gearing – please tick the appropriate box)

Gearing strategies can magnify your gains, but also your losses. Would you be prepared to borrow to invest?

I would not consider borrowing to invest.
I would be prepared to borrow up to 25% of my total investment.
I would be prepared to borrow up to 50% of my total investment.
I would be prepared to borrow up to 70% of my total investment.
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