risk profile Intro About You Q1 Q2 Q3 Q4 Q5 Q6 Q7 Your score Phone To get an idea of your risk profile (that is, how comfortable you are with investment risk), read the following questions and choose the most appropriate response. Once you have answered all 7 questions, you will see a score for your responses which you can compare to our table of risk profiles. Remember this is just a guide and we suggest you talk to an AvSuper Member Advice Consultant before making any investment decisions. All information gathered via this document and any subsequent interviews will be kept strictly private and confidential. Important Notes Please read the AvSuper Privacy Notice (click to open in a new tab) Please read the AvSuper Financial Services Guide (click to open in a new tab) About you Member name * Member number * Phone number Email address * Spouse/Partner name Adviser name 1. How long do you expect to have your super invested 1 – 2 years 3 – 5 years 6 – 8 years 9 – 12 years Greater than 12 years 2. Which statement best describes your main investment objective? Generate a regular income from investments Generate income and some capital growth Generate a combination of income and capital growth Generate capital growth with some income Grow the capital value of my investments 3. Is the potential for high returns more important to you than short term fluctuations in the value of your capital? Not at all Limited Somewhat Mostly Definitely 4. Which of these statements best describes your investment experience/knowledge? I have never invested money (other than in banks and cash accounts) and have little experience of the behaviour of investment markets I have some experience and/or understanding of investment markets and their behaviour I have had some experience with investing shares or managed funds, and understand the importance of diversification I have previously invested money in various types of investments, understand that markets may fluctuate and that different market sectors offer different income and growth characteristics I have previously invested substantially in share and / or property investments, and understand the various factors that may influence performance 5. Would you be willing to invest your funds in investments that could return as much as 30% in a good year or lose -10% in a bad year, with a likelihood of a negative return of 1 year in 7? I would not be willing to make an investment with such a high chance of loss I may consider such an investment with a small amount of money but would be uncomfortable with the potential for loss I would consider such an investment with some of my funds I would be willing to consider investing a fair proportion of my funds in such an investment I would be happy to invest the majority of my funds in such an investment with the aim of achieving a high return and acceptance of the potential downside 6. Generally, how often would you take a risk to gain more? Never Sometimes Usually Often Always 7. If after making an investment, you experienced a significant decrease in the value of your investment, such as -20%, how would you react? I would be extremely concerned I would be concerned and consider moving to a more conservative investment I would be prepared to maintain my investment with the hope that performance would improve I would be comfortable with the understanding that longer term investments can fluctuate and would be happy to retain the investment If I had additional funds, I would consider investing more funds whilst prices were low Your total score Your risk profile score is Use the following table to get an understanding or your risk profile (or tolerance). Please contact us on 1300 128 751 or via AvChat if you would like help understanding these results and their meaning on your investment choices. Score Risk profile Profile description 7-10 Defensive You prefer a low level of risk and only a small likelihood of negative returns. You are comfortable with earning a moderate level of interest on your investment. 11-15 Conservative You have a preference for lower levels of risk, however you are comfortable with a limited exposure to growth assets to allow your investment to achieve a reasonable return. 16-20 Stable Growth You would like your investment to earn a good return, however you are conscious of limiting the level of risk that your investment is exposed to. You are comfortable with an investment that provides you with a balance between security and growth. 21-25 Balanced You are seeking a balance between capital growth and wealth preservation and accept a reasonable level of returns and a medium level of risk. You are aware of the possibility of losses from time to time but have an expectation of growth over the medium to longer-term. 23-30 Growth You appreciate that super is a long term investment and that a higher level of exposure to growth assets – and therefore a higher level of risk in short term returns – is required. You are comfortable with the knowledge that the value of your investment will rise and fall in changing market conditions in the short term. 31-35 High Growth You have a long term investment horizon and your primary objective is to maximise the long term return on your investment. You are willing to accept a high level of risk to achieve this in the short term. You have a good understanding of investment principles and are comfortable investing entirely in growth assets. You are aware that at times your investment will be subject to negative returns.
