Which of the following best describes your current stage(s) in life?
A.
You have just started working and need money for travel, entertainment and a car, but you also want to save some money.
B.
There are a lot of things you need/want to buy, but you are also keen to accumulate wealth for the future.
C.
You have a new home loan, a small to medium amount of savings, and you may want to start a family.
D.
You are mid-career, your home loan is under control, your children are less reliant on you, and while it is still many years away, you are thinking of starting your retirement nest egg.
E.
You have few financial commitments, retirement is near, and you want to ensure that you can maintain the lifestyle to which you are used to.
F.
You have retired, and rely on existing savings and investments to maintain your current lifestyle.
2.
What return do you reasonably expect to achieve from your investments?
A.
A return without losing any capital
B.
Current inflation rate plus 1-2% per annum
C.
Current inflation rate plus 3-4% per annum
D.
Current inflation rate plus 5-6% per annum
E.
Current inflation rate plus more than 6% per annum
3.
If you didn't need your capital for more than 10 years, for how long would you be prepared to see your investment performing poorly before you cashed it in?
A.
You would cash in if there were any loss in value
B.
Up to 6 months
C.
Up to 1 year
D.
Up to 3 years
E.
Up to 5 years
F.
More than 5 years
4.
How familiar are you with investment markets?
A.
Not familiar at all
B.
Not very familiar
C.
Somewhat familiar
D.
Moderately familiar
E.
Very familiar
5.
Which of the following best describes your preference when considering returns from investments?
A.
Preservation of capital is more important than returns
B.
Stable, reliable returns
C.
Some variability in returns
D.
Moderate variability in returns
E.
High variability but potentially higher returns
6.
Which of the following best describes you if 6 months after placing your investments you discover that, in line with what is happening in the financial markets generally, your portfolio has decreased in value by 20%?
A.
Security of your invested money is critical and you cash out immediately.
B.
You would cut your losses and transfer your money to safer investments.
C.
You would be concerned but would wait to see if the investments improve.
D.
You knew there was risk involved and you would leave the investments in place, hoping performance would improve.
E.
This would not bother you at all.
7.
Which of the following best describes your reasons for investing?
A.
You want to invest for longer than 5 years and would want to accumulate as much as possible.
B.
You are not nearing retirement, have surplus funds to invest and you are aiming to accumulate long term wealth from your investments.
C.
You have a lump sum (e.g. inheritance) and you are uncertain about what investment alternatives are available.
D.
You are nearing retirement and you are investing to ensure you have sufficient funds available to enjoy your retirement.
E.
You have some specific financial goals to meet within the next 5 years.
F.
You want a fixed income stream and/or you want to totally protect your savings.
8.
Assume you have made plans to meet short-term financial goals and to handle emergencies, how long would you keep your money invested before you would need to access it?
