Your goals and investment time horizon are two important considerations when you look to invest. Your peace of mind is another.

How comfortable are you with investment risk? Would an investment prone to fluctuations keep you awake at night? Do sharp falls in the sharemarket disturb you? Can you accept short-term market movements with ease?

Complete the Personal Investment Profile to help you determine your level of investment comfort. Choose the answer to each question that best describes you.

1 How long before you reach retirement age?
Less than 5 years 0
5 to 15 years 8
16 – 30 years 16
More than 30 years 25
2 For me retirement saving is mostly about keeping my money safe (making sure the value of any funds I have contributed does not reduce). I am more concerned about protecting my savings than achieving high returns. Do you?
Strongly agree, keeping my money safe is most important to me. 0
Agree, I want to keep my money safe, but I am also interested in returns. 8
Disagree, I’m mostly concerned in achieving returns. 16
Strongly disagree, my goal is to get the best possible return and I accept my investment value may go up and down. 25
3 Outside of the money I will save through setting up my retirement fund, I have
No other savings. 0
Some savings but I will not continue to add to these savings in addition to my retirement fund. 8
Some savings which I will continue to add to as well saving into my retirement fund. 16
At least one year of salary already saved or invested outside of my retirement fund. 25
4 Imagine your retirement fund has built up to $10,000 and over the next year it drops in value to $9,000. What would you do?
Consider switching to a lower risk investment fund. 0
Monitor my investment closely. 5
Do nothing and expect that my investment will recover at some time in the next 1-2 years. 10
Consider increasing the amount I am saving. 15
5 Which of these statements most closely describes how much you know about investments?
I’m only familiar with bank term deposits and savings accounts. 0
I know a little bit about investments other than bank deposits and savings accounts and understand why diversification is important for investing. 3
I understand different types of investments have different levels of risk and return which cause them to rise and fall in value at different times. 6
I understand all types of investments well (including shares and property) and understand the various influences on their returns. 10
Investor Profile Score /100

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