Risk Profile Form

Name

Which of the following statements best describes your understanding ofthe investment market?

I am an experienced investor and constantly keep up to date with the investment markets
I have a reasonable understanding of investment markets
I have little awareness of investment markets however I have a desire to increase myknowledge and understanding
I am not familiar with investments or financial markets.

What is your major investment objective?

Avoid any fluctuation in the value of my investments
Maintain the security of my investments with regular income on which to live
Maintain regular income with some exposure to capital growth
Maximise the growth of my investments

What is your requirement for income?

Low
Medium
High

What is your requirement for growth?

Low
Medium
High

Do your objectives allow for speculative investments?

Yes
No
Potentially, on a case by case basis

What is the expected time frame for investment?

Less than 12 months
1-3 years
3-5 years
5-10 years
10 years plus

Which portfolio best describes you as an investor?

Conservative

The Conservative Portfolio reflects a conservative trade-off between potential return and risk. An emphasis on defensive, income oriented assets is consistent with a lower level of volatility and relatively predictable income streams. The potential to generate some capital growth over the long-term (and supplement income), which is of secondary importance is provided by limited exposure to shares. This portfolio generally has 80% in defensive investments (i.e. Cash & Fixed Income) and 20% in growth investments (i.e. Shares & Listed Property).
Conservative moderate

The Conservative Moderate Portfolio reflects a trade-off between income and growth but with a greater influence towards income orientated investments. There is acceptance of occasional losses and there is potential to generate some capital appreciation over the long term. This portfolio generally has 60 – 70% in defensive investments (i.e. Cash & Fixed Income) and 30 - 40% in growth investments (i.e. Shares & Listed Property).
Balanced

The Balanced Portfolio reflects a moderate trade-off between potential return and risk. An exposure to less volatile income orientated assets is combined with growth investments. This portfolio generally has 50% in defensive investments (i.e. Cash & Fixed Income) and 50% in growth investments (i.e. Shares & Listed Property).
Moderate growth

The Moderate Growth Portfolio reflects a trade-off between income and growth investments with a particular emphasis on growth investments over the long term. This portfolio offers higher than average potential capital appreciation over the long term with above average volatility. There is a broad range of asset classes within the portfolio. This portfolio generally has 30% in defensive investments (i.e. Cash & Fixed Income) and 70% in growth investments (i.e. Shares & Listed Property).
Growth

The Growth Portfolio has a significant emphasis on more volatile investments. This strategy is consistent with a reasonably aggressive attitude toward assuming greater volatility in return for the potential to earn higher returns. Also, a willingness to forgo and reinvest the majority of any income earned for future capital growth. This portfolio generally has 5 - 15% in defensive investments (i.e. Cash & Fixed Income) and 85-95% in growth investments (i.e. Shares & Listed Property).

Taking into consideration your answer to the previous question in relation to your profile, what is the annual total rate of return that you would like to achieve from your investments? (including both income and growth)

5%
5 - 8%
8 - 11%
11 - 15%
15% plus

Overall, what level of volatility are you willing to accept with your investments?

Low
Low/Moderate
Moderate
Moderate/High
High

In which of the following asset classes would you expect your largest exposure? (only choose one investment class)

Cash
Term deposits/Fixed income
Bonds/Hybrid securities
Property
Large "Blue Chip" companies
Small companies

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