Investment risk profile quiz

Question 1

Time horizon – When do you start accessing your Superannuation?

I am either already accessing my superannuation, currently accessing it, or planning to do so soon

I plan to access my superannuation in under 5 years

I plan to access my superannuation in 5 to 10 years

I plan to access my superannuation in over 10 years

Question 2

Investment Experience – What level of investment experience do you have?

I have only ever held a bank account

I have owned shares (but none of the investments to the right/below)

I have bought an investment property and/or borrowed money for investments (but none of the investments to the right/below)

I have invested in complex investment products such as cryptocurrencies

Question 3

Cost of living – How important is it that your investments keep pace with or exceed the cost of living?

I’m not concerned about the rising cost of living and willing to have my superannuation buy less per dollar in retirement compared to today

I want my superannuation to keep pace with the rising cost of living, so that I’m not going backwards in terms of what I can buy with my superannuation.

I want my superannuation to potentially grow faster than the rising cost of living, so that I can buy more with my superannuation in retirement than I can today

I want my superannuation to potentially grow much faster than the rising cost of living, so that I can buy much more with my superannuation in retirement than I can today

Question 4

Acceptable range of returns – How much fluctuation in your superannuation balance are you willing to accept year on year?

It is very important that my superannuation remains stable or grows steadily over time and does not fluctuate significantly year on year. I accept that my returns are likely to be lower than average over the long term

I’m willing to accept minor fluctuations in my superannuation balance in order to receive average investment performance over the long term

I’m willing to allow my superannuation to have moderate fluctuations year on year, in order to potentially achieve a higher than average rate of returns over the long term

I’m willing to allow my superannuation to have substantial fluctuations year on year, in order to potentially achieve the highest possible rate of returns over the long term

Question 5

Reaction to adverse fluctuation – How would you react if the value of your superannuation dropped in value?

I would feel very uncomfortable if it ever fell at all

I could handle a small drop but it would need to recover quickly

I could handle a drop but I would want it to recover over the medium term

I wouldn’t be concerned at all because I have enough time to allow it to recover over the long term

Question 6

Income vs. lump sum – How to you plan to access your superannuation when you retire?

I intend to withdraw my entire superannuation as a lump sum soon after I retire

I plan to withdraw some as a lump sum and use the rest as income throughout my retirement

I plan to draw down my superannuation as income throughout my retirement

Superannuation won’t be my primary income source in retirement as I have other sources of income and wealth

Risk Profile Quiz

Question 1

Question 2

Question 3

Question 4

Question 5

Question 6

Your life your fund

Super

Retirement

Employers

Stay connected

You are currently:

Risk Profile Quiz

Question 1

Question 2

Question 3

Question 4

Question 5

Question 6

Super

Retirement

Employers

Stay connected