Risk Profile - Retirement Income Simulator

Risk Profile Questionnaire

This questionnaire will help you determine your risk profile, so you can work out what investment strategies best fit your lifestyle.

Question 1

Most people have a 50% chance of living to age 90. Over what period will you draw your retirement savings?

Most people can access their super from age 60 and have a 50% chance of living to age 91. Over what period will you use your retirement savings?

Withdraw it all as soon as I can and spend most of it Spend most within 5 years of it becoming available Spend most within 10 years of it becoming available Draw on it evenly throughout retirement Draw the minimum required and save most of it as a bequest

Question 2

Generally speaking, and considering the proposed term of your investment, which of the following statements best summarises your objective?

Certainty of returns is my highest priority I prefer predictable returns, but I am OK with some fluctuations if it means my investment will grow faster A balance of stability and growth Overall investment growth is more important than stability My priority is higher returns, even if they fluctuate significantly

Question 3

How prepared are you to accept investment returns that vary each year?

Not at all - steady returns are more important than high returns I'm OK with a small variation in the investment return from year to year To some extent - I could accept up to three negative returns in 20 years I can accept variations as I'm a long-term investor I don't mind volatility; it opens up more opportunities to maximise long-term returns

Question 4

How concerned would you be if your investment fell by 20% over a three month period?

Panicked. I'd move my money to cash Concerned. I'd move some of my money to cash. Somewhat concerned. I'd monitor the situation and think about a switch. Not concerned as it's a long-term investment. No worries. In fact, I'd think about investing more money.

Question 5

How important is it to you that your investments keep pace with inflation?

Not important – I'd be happiest with it under the mattress Slightly important – just keeping pace with inflation is fine Fairly important – I know that I'll need to take some risk to ensure my returns beat inflation Very important – the priority is for my retirement savings to grow significantly above inflation

Retirement Income Simulator

Risk Profile Questionnaire

Question 1

Question 2

Question 3

Question 4

Question 5

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