Investing requires a balance between risk and return. The key is determining how much Investment risk you feel comfortable with. We have designed the following questionnaire to give you an indication of your risk profile and the type of investments that might be appropriate for you and therefore might want to consider.
To better understand your tolerance for risk and to summarise your investing history and current position, we recommend that you download and complete our
Discovery Profile. Once completed, we encourage you to discuss the contents of this profile with an Craigs Investment Partners Adviser.
Important Note
This risk profiler is a tool that may assist you in determining your tolerance to risk. It should not be used as a substitute for a detailed investment plan because it does not take into account your individual investment objectives, financial situation or needs. These should all be considered before making an investment decision.
Instructions
Step 1: Complete the Risk Profile
For each question, choose the response you most readily identify with.
Step 2: Interpret Your Results
Our Risk Profiler Tool will automatically calculate a score from your responses and outline your attitude towards risk along with a recommended model portfolio.
Please select your answer for each question.
1. Which statement best describes your knowledge about investing?
A. No knowledge – I know virtually nothing about investing
B. Minimal knowledge – I don’t know much about investing
C. Somewhat knowledgeable – I have a fair understanding about investing
D. Highly knowledgeable – I have a very good understanding about investing
2. Which statement best describes your investment experience?
A. Virtually none – I am new to the area of investing
B. Limited – I have invested before, but my expertise is limited
C. Moderate – I have some experience in investing in the share market
D. Extensive – I have invested in a variety of vehicles including direct investments in stocks
3. Which statement best describes your personal circumstances?
A. I am retired and dependent on existing investments for income
B. I have a family to support and have a small amount of savings
C. I have a good income (possibly dual income) with no dependents and I have separate savings to meet major expenses
D. I am easily able to manage my current financial commitments with my current income providing an acceptable lifestyle.
4. What is your investment horizon – how long are your funds to be invested?
A. Less than 3 years
B. 3 to 5 years
C. 6 to 10 years
D. More than 10 years
5. When do you plan to retire?
A. I am already retired
B. Within five years
C. In 5 to 15 years
D. In more than 15 years
6. What is the likelihood you will need to access the funds you have or will invest?
A. I will almost certainly require the funds within the next 3 years
B. There is little chance that I will require the funds for at least 3-5 years. I may need to draw down a small portion in 3-5 years
C. There is little chance of requiring the funds for at least 5-7 years. A small portion would only be required in case of emergency
D. I will not need to access the funds at all for at least 7 years. I have set aside other funds for emergencies
7. What are your financial goals in regards to investing?
A. To protect the value of my investments and provide an income stream
B. To minimise the chances of loss of capital and only pursue safer opportunities for growth
C. To achieve steady capital growth with no need for income
D. To achieve high capital growth
8. In investment terms, you regard yourself as:
A. Very conservative
B. Fairly conservative, but with a view to returns
C. Willing to take risks to improve returns
D. Willing to take more risk than most to improve returns
9. If your investments were to drop in value by 10% in one year, your reaction would be to:
A. Sell the investments immediately
B. Consider selling before I lost any more money
C. Monitor the investments more closely
D. Accept fluctuations due to short-term market influences