Risk profiler calculator

Knowledge and experience

Q1. How would you describe your understanding of the financial and investment market?

I don't understand investing and I would rather rely on someone else to advise me on investing.

I don't really understand the financial and investment market.

I believe I have a reasonable understanding of investing and I understand the importance of diversifying my investments.

I have a good understanding of investing so I understand that different market sectors offer varying income, growth and taxation options.

I am an experienced investor. I understand all the investment sectors and the various factors which can influence investment performance.

Q2. How would you describe your confidence in making investment decisions?

I am not confident making investment decisions so I usually don't do any investing or I rely heavily on a financial adviser for advice.

I am not very confident making investment decisions but I still give it a go.

I am reasonably confident.

I am confident in my knowledge of investments so feel pretty confident that I make the right decision.

I am very confident when it comes to investing, I have a thorough knowledge of investing and how to watch the markets to allow me to make an educated decision.

Q3. As an investor I would describe myself as:

A very inexperienced investor.

A fairly inexperienced investor.

A fairly experienced investor.

An experienced investor.

A very experienced investor.

Investor style

Q1. How would you describe your reaction to a significant drop in investment value (eg 20% in 1 year)?

I would transfer my investment into a bank account or similar secure investment.

I would transfer some of the investment into an alternative investment portfolio.

I would wait until the market picked up so I could recover the loss and then move my investment to another investment portfolio.

I would leave the investment alone as originally intended.

I would see the opportunity to invest further at a discounted price.

Q2. Achieving high returns over the long term is more important to me than safe investing.

Strongly disagree.

Disagree.

Neutral.

Agree.

Strongly agree.

Q3. Are greater returns over the long term important to you and are you willing to experience the fluctuations of the market?

I am not comfortable with experiencing the potential fluctuations of the market in the pursuit of higher returns.

I am a little uncomfortable with experiencing fluctuations in the market.

I am rather comfortable with the fluctuations assuming the volatility is limited.

I am comfortable with reasonable market fluctuations in the pursuit of greater returns.

I am very comfortable with market fluctuations. I understand there is usually a fluctuation of the markets in the short term which usually result in a greater return over the long term.

Q4. How would you describe your overall investment decisions?

I have never really invested before, other than my superannuation.

I have never lost on investments as I usually invest in secure assets.

The returns have been average. I would like to start making greater returns.

I have experienced some losses with my investments but I am willing to keep trying.

I have made better than average returns on investments and have experienced some fluctuations.

Q5. How would you describe your attitude to risk versus return?

I am a very low risk taker, I need the security.

I am a low risk taker.

I am an average risk taker, not overly concerned with security.

I am a high risk taker, short term security is not an issue for me.

I am a very high risk taker, security is not a concern to me.

Your time horizon

Q1. When will you retire and start spending your superannuation savings?

I will be retiring in 2 years time.

I will retire between 2 and 4 years time.

I will retire between 5 and 8 years time.

I will retire between 9 and 10 years time.

I will retire sometime after 10 years time.

Q2. How long do you expect your superannuation savings will last in retirement?

I expect it to last between 1 and 2 years.

I expect it to last between 3 and 5 years.

I expect it to last between 6 and 8 years.

I expect it to last between 9 and 10 years.

I expect it to last more than 10 years.

Your profile results

Next steps

I am uncertain about what to do next
You can contact the office to discuss your options (see details below) or contact
MyLife MyAdvice for advice on your investment options with .

Contact us
Call
Email

Back to calculator

Disclaimer

is a division of the MyLifeMyMoney Superannuation Fund.

Issued by Togethr Trustees Pty Ltd (ABN 64 006 964 049; AFSL 246383), the Trustee of the MyLifeMyMoney Superannuation Fund (ABN 50 237 896 957; SPIN CSF0100AU). The information contained herein is general information only. It has been prepared without taking into account your personal investment objectives, financial situation, or needs. It is not intended to be, and should not be, construed in any way as investment, legal or financial advice. Please consider your personal position, objectives, and requirements before taking any action.

Togethr Trustees Pty Ltd (ABN 64 006 964 049; AFSL 246383), trustee of the MyLifeMyMoney Superannuation Fund (ABN 50 237 896 957).