- 1.What is your age?
- A.25 years old and under
- B.26-40 years old
- C.41-64 years old
- D.Over 65 years old

- 2.How long is your investment horizon?
- A.I need to be able to withdraw at any time
- B.Up to 3 years
- C.4-9 years
- D.10 years plus

- 3.For how long does your cash reserve cover your monthly expenditure if you lose your day-to-day income?
- A.Less than 1 month
- B.Savings or other income to cover essential costs for at least three months
- C.Savings or other income to cover essential costs for more than three months

- 4.What is your investment objective?
- A.To build cash for short term needs – I will use it as my Emergency Fund (equivalent to 3 months of salary) so I will want to secure a return on my investments with no potential for losses, not even if they are only for the short term.
- B.Preserve wealth – I would expect regular income and protection against inflation.
- C.Build wealth moderately – I am saving for future expenditure (car, vacation, home etc.) and I would expect returns above regular interest rates.
- D.Build wealth considerably - I want to enhance my wealth and multiply my investment over the long run.

- 5.How would you describe your current debt situation?
- A.Completely debt-free
- B.Mortgage-free but a few other obligations (such as credit card debt, education fees) (less than one year's income)
- C.A reasonable mortgage but no other debt
- D.A mortgage and some obligations
- E.Over my head in debt

- 6.Which description best fits you?
- A.Conservative, worry about money
- B.Cautious, but realise some risk may be necessary to make money over the long term
- C.Comfortable in taking a risk with money

- 7.How secure is your future income (such as salary, business or finances) over the next five years?
- A.Not secure
- B.Somewhat secure
- C.Fairly secure
- D.Very secure

- 8.Financial markets can be volatile. How would you react if your investments were to fall in value by 15 per cent over a one-year period?
- A.Yikes! Take all my money out straight away and put it in a bank deposit account.
- B.Withdraw some of my money and move it to a ‘safer’ investment strategy.
- C.Wait until I recover the loss and then consider other investments.
- D.Hold tight and follow the recommended strategy.
- E.Whoop! It costs 15% less to invest more money in the same investment

- 9.How much risk can you take?
- A.I want my principal amount to be safe and insured.
- B.I can handle the possibility of minimal fluctuations (less than 10%) in the performance of my investment; in exchange for modest returns higher than traditional deposit products.
- C.I can handle the possibility of moderate (10-20%) fluctuations in the performance of my investment; in exchange for modest returns higher than average return rates.
- D.I can handle the possibility of substantial loss (20-40%) on my investment in exchange for higher returns and long term capital growth.

- 10.When it comes to investing, how experienced do you think you are?
- A.Inexperienced — investing is a new experience for me.
- B.Somewhat inexperienced — investing is fairly new to me.
- C.Somewhat experienced — knowledgeable.
- D.Experienced — I know the factors that make investments go up and down.
- E.Very experienced — I do my own extensive research and have an excellent understanding of what factors affect investment performance.

- 1.Defensive InvestorWhat exactly does this mean? Requires investments to be protected to minimise ups and downs in value Is prepared to accept lower long-term returns May need regular income from their investments What mix of investments suits this investor type? May hold 70% in bonds with the remaining portfolio made up of shares, property and cash etc What is the minimum amount of time you should invest for? 2-3 years The expected average annual rate of return? (before fees, taxes and inflation which can be approximated to be 3.5%) 4.5% The range of annual returns this investor may have? (before fees, taxes and inflation which can be approximated to be 3.5%) -1% - 10%
- 2.Conservative InvestorWhat exactly does this mean? Looks to minimise ups and downs in the value of their investments Is prepared to accept lower returns May need regular income from their investments What mix of investments suits this investor type? May hold 60% in bonds and 20% in shares and remaining portfolio made up of property and cash etc What is the minimum amount of time you should invest for? 4-5 years The expected average annual rate of return? (before fees, taxes and inflation which can be approximated to be 3.5%) 5.0% The range of annual returns this investor may have? (before fees, taxes and inflation which can be approximated to be 3.5%) -1.5% - 12%
- 3.Balanced InvestorWhat exactly does this mean?· Tolerates some ups and downs in the value of their investments· Can achieve good returns over the long term· Needs minimal income from their investments What mix of investments suits this investor type? May hold 80% split roughly evenly between shares and bonds with remaining portfolio made up of property and cash etc What is the minimum amount of time you should invest for? 6-8 years The expected average annual rate of return? (before fees, taxes and inflation which can be approximated to be 3.5%) 6% The range of annual returns this investor may have? (before fees, taxes and inflation which can be approximated to be 3.5%)-3.5% to 16%
- 4.Growth InvestorWhat exactly does this mean? Accepts significant ups and downs in the value of their investments Can achieve high returns over the long run Needs minimal income from their investments What mix of investments suits this investor type? May hold 60% in shares and 25% in bonds with remaining portfolio made up of property and cash etc What is the minimum amount of time you should invest for? 9-12 years The expected average annual rate of return? (before fees, taxes and inflation which can be approximated to be 3.5%) 6.7% The range of annual returns this investor may have? (before fees, taxes and inflation which can be approximated to be 3.5%) -6% to 21%
- 5.Aggressive InvestorWhat exactly does this mean?· Accepts extreme ups and downs in the value of their investments· Can achieve higher returns over the long term· Does not need regular income from their investments What mix of investments suits this investor type?May hold 80% in shares with remaining portfolio made up of property, bonds and cash etc What is the minimum amount of time you should invest for?12 years The expected average annual rate of return? (before fees, taxes and inflation which can be approximated to be 3.5%)7.5% The range of annual returns this investor may have? (before fees, taxes and inflation which can be approximated to be 3.5%)-9 to 27%