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Risk Profile

Find Out Your Investment Risk Comfort Level...

Questionnaire

Your risk profile looks at investment risk and your attitude to it.

By asking you more detailed questions we can determine the most appropriate investment strategies to match your investment risk profile.

Once all the sections are complete, we will display your preferred Risk Profile and their descriptions so you may decide whether or not you are comfortable with the outcome.

1. Which of the following best describes your own experience level as an investor? Select
I have had virtually no experience in investing money apart from using bank accounts
I have had limited experience in investing
I have had a reasonable level of investment experience
I would consider myself an experienced investor


2. Which of the following best describes your level of knowledge and understanding of financial markets and investing? Select
Solid
Reasonable
Limited
Low


3. Thinking about the risk you have taken with your past investment choices, how would you describe the level of risk? Select
High
Moderate
Low
Not applicable as my past experience is limited


4. In the context of investing, what best describes your attitude to risk? Select
It is something to be avoided
It is a source of uncertainty and needs to be limited
It can create the opportunity for improved returns
It is something to be embraced


5. If asked to make your own investment decisions how would you feel? Select
Not confident at all
Somewhat hesitant
Reasonably confident
Very comfortable


6. If you held a sizable investment that regularly went up and down in value, which would you be likely to do? Select
Watch its progress daily or weekly as I'm likely to be anxious about investment performance
Watch its progress monthly out of concern over investment performance
Watch its progress regularly, not out of concern, but just for general interest
Only check its progress once or twice a year


7. How would you feel if a large percentage of your investment portfolio was invested in the share market? Select
Very comfortable
Reasonably comfortable
A little hesitant but willing to consider it
Not comfortable


8. In order to earn a return above the level of bank interest rates you may need to hold investments that go up and down in value (i.e. have volatility). How important is it to you to protect your investment and minimise the prospect of any fall in the value? Select
Very important. Protecting my existing investment is my main objective.
Important, but I'm comfortable for at least a small part of my portfolio to have volatility in order to improve returns over the longer term.
Somewhat important but I'm prepared to take on a reasonable amount of volatility in order to increase my chance of higher returns over the longer term.
Not particularly important as I'm comfortable that having exposure to volatility is the best way to maximise returns over the longer term.


9. If you owned a large amount of shares and the stock market fell quickly by 20%, what do you believe your natural reaction would be? Select
To sell all the shares as soon as possible to avoid any further falls
To sell the some of the shares to reduce exposure to future falls
To hold the shares and wait for a recovery
To look for ways to buy more shares


10. Investments that go up and down in value in the short-term (i.e. have volatility) are more likely to produce higher returns than investments that remain steady. Are you prepared to experience volatility in your investments in order to increase the chance of higher returns? Select
Yes, definitely
Yes, for a significant part of my investment portfolio
Yes, but only for some of my investment portfolio
No, not at all


Are you willing to consider a trade-off?

We are here to help you achieve your goals and objectives if possible and whilst we can help you to understand how you may be able to maximise your current investments, there may still be a gap between where you want to be and what your attitude to risk allows you to achieve. Think about how comfortable you feel with the level of risk you are willing to take across all your investment assets. Whilst you may be comfortable with this, you may not be able to meet your financial or lifestyle objectives.

Let's say that you are a "cautious" investor, so you don't want to take big risks. If you have a short timeframe in which to grow your assets, you may not be able to achieve your desired goals and objectives and need to reconsider your options. This may mean a trade-off where you might consider investing a little bit more aggressively or reconsider your goals and objectives. This will give you a greater chance of achieving them.

We can help you understand your options so that you choose what is right for you. Please choose which of the options below you would be willing to consider if it is unlikely that you will achieve your goals and objectives.

If it is unlikely that you will be able to meet your goals, which option(s) would you consider? Select
Make changes to my current lifestyle now by spending less and saving more.
Make changes to my lifestyle at a later stage by spending less. e.g. in retirement
Downsize my lifestyle assets, or reduce my planned expenses.
Delay my retirement.
Increase my exposure to growth assets, giving me increased investment risk.
Borrow funds to invest.
Reduce the estate I leave to my beneficiaries.
Revise my financial goals.


Please enter your name so that we can personalise your report:



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