| 1. |
In approximately how many years would you plan to retire and commence accessing your superannuation (either as a lump sum or pension)? |
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1-3 years
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[ 2 ]
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4-7 years
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[ 4 ]
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8-10 years
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[ 6 ]
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More than 10 years
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[ 8 ]
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| 2. |
After I retire I want my superannuation to meet my financial needs for: |
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0-3 years
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[ 2 ]
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4-5 years
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[ 4 ]
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6-11 years
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[ 6 ]
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12-20 years
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[ 8 ]
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| 3. |
Assuming you have an amount of money to invest, which of the following statements
best describes your investment view?
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The safety of my money is my primary objective. I would rather have a low rate of return than risk the loss of any part of my capital
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[ 2 ]
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I want my investment to produce a reasonable rate of return but my capital should remain relatively stable
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[ 4 ]
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I am willing to accept some fluctuation in my capital over the short term in exchange for higher returns over the long term
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[ 6 ]
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In order to receive the maximum return on my investment, I am willing to accept a higher degree of risk
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[ 8 ]
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| 4. |
How familiar are you with investment markets?
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I am not very familiar and/or have very little understanding or interest
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[ 2 ]
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I have enough experience to understand the importance of diversification (ie - spreading my risks)
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[ 4 ]
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I understand that markets fluctuate and that different market sectors offer different income,
growth and taxation characteristics
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[ 6 ]
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I am experienced with all investment sectors and understand the various factors which
influence performance
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[ 8 ]
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| 5. |
Growth assets will generally deliver higher returns over the long term but will have short-term
volatility and losses. Bearing this in mind, how concerned are you that the earnings on your
savings and investment dollars can exceed the rate of inflation?
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Security of my capital is my greatest concern
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[ 0 ]
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I would like to achieve returns which at least match inflation
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[ 1 ]
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I would like to exceed the rate of inflation by 1% to 3%
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[ 3 ]
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I Would like to exceed the rate of inflation by 4% to 5%
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[ 5 ]
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I Would like to exceed the rate of inflation by 6%+
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[ 7 ]
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| 6. |
Have you ever owned shares, Government bonds or managed funds before?
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No but if I had, the fluctuations in returns would make me uncomfortable
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[ 2 ]
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No but if I had, I would be comfortable with some fluctuations in returns in order
to receive the potential higher returns
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[ 4 ]
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Yes I have, but I was uncomfortable with the fluctuations in returns despite the
potential for higher returns
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[ 3 ]
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Yes I have and I felt comfortable with the fluctuations in returns in order to
receive the potential higher returns
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[ 6 ]
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| 7. |
How would you react if, in line with what was happening in the financial markets
generally, your long-term investment declined by 10% in one year?
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I can't accept any declines in the value of my investments
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[ 2 ]
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I would be concerned about my capital declining in the short term
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[ 4 ]
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I generally invest for the long term but would be still concerned about this decline
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[ 6 ]
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I invest for the long term and would accept these fluctuations as being due to short-term
market influences
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[ 8 ]
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| 8. |
Which of the following statements best describe your feelings towards a chosen
investment?
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I would select investments that have a low degree of risk associated with them
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[ 2 ]
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I prefer to diversify with a mix of investments, with an emphasis on low risk.
I am happy to have a small portion of the portfolio invested in assets which have
a higher degree of risk to produce an overall slightly higher return. I am happy
to accept a negative investment return of 1 in 9 years
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[ 4 ]
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I prefer to have a spread of investments in a balanced portfolio, I am happy to have
a negative return of 1 in 7 years
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[ 6 ]
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I prefer to diversify my investments with an emphasis on investments which have
higher returns, but also maintaining a small proportion of lower risk
investments. I am happy to accept a negative return of 1 in 5 years
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[ 8 ]
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I would only select investments which have a higher degree of volatility so that
I can earn higher long-term returns. I am happy to accept a negative return of 1
in 3 years in order to achieve this goal
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[10]
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