About Your Money Profile

Full Name*
Email Address*
Phone Number*
1. Which of the following best describes you?*
- Few commitments as you wish to accumulate wealth for the future. You do not need to spend any of your savings before the end of your planning horizon.
- Debts are planned under control. Retirement planning is on the agenda.
- Family commitments and paying off the mortgage. Savings is an issue.
- You are retiring or are already retired. Need to organize financial affairs.
- You are dependent on regular income from your investments.
2. Which of the following best described your current needs?*
- You are looking to accumulate wealth over the long-term. Income is not important, growth is.
- You are looking to consolidate your accumulated wealth and ensure your investments are performing to plan.
- You need to deal with a large amount of money and you are uncertain of the various options available to you.
- You are close to retirement and you want to ensure you are on track for your retirement needs.
- You want to provide a secure, consistent income from your investments. Protection of your capital is very important.
3. How familiar and confident are you with Investment Matters?*
- You are an experienced investor. You use research and other investment information to make investment decisions. You understand the various factors that influence investment performance.
- You are fairly confident and have some experience with investing. You understand market commentary.
- You are confident about some investments. You require assistance to understand the share market.
- You have limited experience with investments and look for guidance from a qualified adviser.
- You have no experience with investments, find the complexities confronting and need assistance with the options available.
4. How risky would you like your investments?*
- You are willing to accept a high degree of risk for the potential of achieving a higher rate of return.
- Short-term losses are acceptable as long as the probability of a gain over the long term is reasonable.
- You would not be comfortable investing into something you know little about.
- You want your capital to remain relatively stable however it is important that your investments meet your current income.
- You don’t want to risk losing any of your capital, even if it means a low return
5. How would you feel if a short time after placing your investment it decreased by 20%?*
- You would consider investing more to take advantage of the drop in price.
- This was a calculated risk, so you would wait, expecting the value to go up.
- You would be concerned and keep an eye on the investment.
- You would approach your adviser to get advice with a view to withdrawing from the investment.
- You would get out before the investment kept falling again.
6. What degree of investment risk have you taken in the past?*
- A large risk/carefree attitude
- A reasonable calculated risk
- Moderate risk
- Not very much risk
- Risk free only
7. What degree of investment risk would you currently consider?*
- reduction in value of capital of more than 20%
- reduction in value of capital of 15% to 20%
- reduction in value of capital of 9% to 15%
- reduction in value of capital of 1% to 8%
- reduction in value of capital of 0%
8. Investments such as cash offer highest security but have no capital growth, and inflation can reduce the purchasing power. Considering this, which is more important to you?*
- More important to preserve purchasing power rather than security.
- Important to preserve purchasing power but also consider any risk.
- Look for a balance between security and preserving purchasing power.
- More important to have security than worry about inflation.
- Protecting the capital is the most important priority.
9. If you held an investment portfolio for the next ten years how would you expect that the average yearly return would compare to money invested in term deposits?*
- More than three times the term deposit rate
- About three times the term deposit rate
- About twice the term deposit rate
- A little more than the term deposit rate
- About the same as the term deposit rate
10. If you had to choose between a secure job with a reasonable salary and a highly paid job with less security, which would you pick?*
- Definitely the highly paid job
- Probably the high paid job
- Would have to consider other aspects
- Probably the secure job
- Definitely the secure job
11. If you receive a financial windfall e.g. an inheritance or a lottery win, what would you do with the money?*
- Quit your job and start the business you always wanted.
- Invest in a range of shares and types of shares.
- Set up an adequate emergency fund and invest the rest across a range of managed investments.
- Put the money in the bank and then get advice on where to invest it.
- Initially put it on deposit and think about it.
12. Apart from your home, have you ever borrowed money to make an investment?*
- Yes
- No
Your Score
Score Range: Up to 15
Secure - 100% Income
You are a very conservative investor. Risk must be very low and you are prepared to accept lower returns to protect capital. The negative effects of tax and inflation will not concern you, provided your initial investment is protected.
Score Range: 15 to 35
Defensive - 70% Income / 30% Growth
You are a cautious investor seeking better than basic returns, but risk must be low. Typically, you are seeking to protect the wealth which you have accumulated, and you may be prepared to consider less aggressive growth investments.
Score Range: 35 to 50
Conservative - 50% Income / 50% Growth
You are a conservative investor who wants to have a moderate approach to investing. You have some understanding of investment markets and their behaviour. You do not wish to see your capital eroded by tax and inflation. You are prepared to take some short term risk for a possible longer term capital gain.
Score Range: 50 to 70
Balanced - 30% Income / 70% Growth
You are a balanced investor looking for some capital growth and income over the medium to long term. You require an investment strategy which will cope with the erosion that tax and inflation can cause. Calculated risks would be acceptable to you in order to achieve good returns.
Score Range: 70 to 95
Growth - 15% Income / 85% Growth
You are an assertive investor, probably earning sufficient income to invest funds for capital growth. Prepared to accept higher volatility, your primary concern is to accumulate assets over the medium to long-term. You require a balanced portfolio, but more aggressive investments may be considered.
Score Range: 95 to 100
High Growth - 100% Growth
You are an aggressive investor prepared to compromise portfolio balance to pursue potentially higher long-term returns. Your investment choices are diverse but carry a higher level of risk. Security of capital is secondary to the potential, and an investment having very high growth potential would have very low security of capital.

Sign up to our Newsletter