Investment Recommender

To correctly assess your investment risk tolerance and make the best investment recommendations for you, please answer the following questions honestly. Our Investment Recommender will provide an estimate of your investment risk profile and suggest the kinds of investments that would suit you best.

Investment Objectives

Which of the following do you think best describes your investment objectives?*

A. Your primary focus is on capital growth. You are prepared to accept a high level of short term volatility and possible capital losses in order to generate potentially higher levels of capital growth over the long term. You are well placed to recover from unforeseen market downturns either because you have time on your side or access to capital reserves. B. You require your investments to be a balance between capital growth and income generating assets. Calculated risks will be acceptable as you are prepared to accept short term levels of volatility in order to outperform inflation. C. Generating a regular income stream is a priority over capital growth. You are prepared to sacrifice higher returns in favour of preservation of capital.

Risk Tolerance

What percentage of your risk capital will be put at risk using our services as your asset manager? (NB: Risk capital means funds and assets which if lost would not materially change your lifestyle or your family’s lifestyle) *

Greater than 70% 35% to 70% Less than 35%

Investment Horizon

Once investments have been placed, how long would it be before you would need to access your capital?*
Longer than 2 years Between 6 months and 2 years Less than 6 months

Inflation

Inflation can reduce your spending power. How much risk are you prepared to take to counteract the effects of inflation?*
I am comfortable with short to medium term losses in order to beat inflation over the longer term I am conscious of the effects of inflation, and am prepared to take moderate risks in order to stay ahead of inflation Inflation may erode my savings over the long term, but am only willing to take limited risk to attempt to counter the effects of inflation

Emergency Plans

How much money have you set aside (outside of your pension) to handle emergencies? *
More than six months of living expenses Between one and six months of living expenses Less than one month of living expenses

Which Would you Choose?

You possess $100,000 and wish to invest the funds for the future. Which of the asset mixes would you choose to invest in? Investment A has a potential return of 30% but the possibility of losing up to 40% in any year. Investment B has an average return of 10% with the possibility of losing up to 12% in any year. *
80% in Investment A and 20% in Investment B 50% in Investment A and 50% in Investment B 20% in Investment A and 80% in Investment B

Investment Return

Over the longer term, what return do you reasonably expect to achieve from your investment portfolio?*
More than 9% per annum above the prevailing t-bill rate Prevailing t-bill rate plus 3-9% per annum Less than 3% per annum above the prevailing T-bill rate

Volatility

Most investments can fluctuate both up and down (i.e. volatility). How much could your investment fall in value over a 12-month period before you begin to feel concerned and anxious? *
More than 25% Up to 25% Up to 5%

Reaction to Capital Losses

What would your reaction be if six months after placing your investment you discover that your portfolio had decreased in value by 20%?*
I would invest more funds to lower my average investment price, expecting future growth This was a calculated risk and I would leave the investment in place, expecting future growth I would cut my losses

Capital Preservation

To what extent are you concerned about preservation of your capital?*
A high degree of risk would be acceptable given longer term capital growth objectives A moderate degree of risk would be acceptable given the potential for increased returns A minimal degree of risk would be acceptable for a slight increase in potential returns

Income Requirements

What are your current income requirements from your investments? *
I require a small amount of investment income as I am mainly focused on capital growth I require an equal combination of investment income and capital growth I require substantial investment income with only some capital growth

Your Details

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