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Your investment risk profiled

This risk profiler is designed to help you feel more comfortable in making an investment choice. It can help you identify how comfortable you are with risk. Using this information, you can choose an investment option with the same or a similar risk aspect.

It's quick to use - just answer each question, starting with Question 1 below. For each question, click on your chosen answer and then 'Next' to continue. When you have answered all the questions, click 'View Results' to display your profile. Using your answers to calculate a total score, the profiler will highlight which investment option has the same level of risk.

It's important to remember a risk profiler is just one of many tools available to help you make financial decisions. While it can give you a general idea of your risk personality, the results are not comprehensive. Only an appropriately authorised advisor can undertake a comprehensive analysis of your circumstances. You should think therefore whether the investment option is suitable in light of your objectives, financial situation and needs.

Question 1
Question 2
Question 3
Question 4
Question 5
Question 6
Question 7
  
What do you plan to do with your superannuation nest egg at retirement? Score
Withdraw the money from superannuation and purchase luxuries
2
Leave the investment to grow with compound interest for as long as financially possible
8
Use the money to commence a pension to fund your retirement
6
Withdraw a lump sum and also commence a regular pension
4
     
How long until you expect to retire? Score
0 to 2 years
2
2 to 3 years
4
3 to 5 years
6
5 to 10 years
8
10 or more years
10
     
What would you do if your investment lost 25% of its value in the short term? Score
Switch your investment to avoid losing your investment entirely
2
Switch some of your investment and continue to monitor your investments closely
4
Do nothing and continue to closely monitor the performance of the investment
6
Switch more of the investment whilst the value is low
8
     
Given low investment returns are generally associated with low investment risks, and conversely, high returns with high investment risks, what rate of return would you expect on your superannuation investment? Score
5% or less
4
5% to 7%
6
7% or more
8
     
If you received an unexpected windfall of $50,000, and were planning to invest this capital for a minimum period of 10 years, what type of investment would you choose? Score
Your savings account
2
Term Deposits with your local Building Society
4
An investment property
6
A share portfolio
8
     
What is the most aggressive or ‘risky’ investment you have ever made? Score
Superannuation investments
2
Direct property, your home or investment property
4
Shares, with advice from a broker
6
Shares, without advice from a broker
8
     
Which of the AESuper investment options below do you think is most appropriate for your investment needs? Score
Cash
3
Security Focus or Balanced Growth
5
Balanced Growth
7
Growth Maximiser
9

 

 

 

 

 

 

 

 

 
  Cash Security Focus or
Balanced Growth		 Balanced Growth Growth Maximiser

Scoring Methodology

Scoring
Investment option
23 and under
Cash
24-35
Security Focus or
Balanced Growth
36-47
Balanced Growth
48-59
Growth Maximiser

Your score:


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The investment option indicated by your total score is highlighted above. As the profiler is for general illustration purposes only, you may wish to choose another investment option.
Click on the other options available to compare for yourself.

Cash
Objectives To provide stability of capital and minimal volatility in investment returns over the short term.
Strategy This option is wholly invested in the Tower Cash Fund. The asset allocation targets cash and short term money market securities of no longer than 12 months maturity.
Asset Allocation Ranges Asset Classes
30 June 2008
Australian Equities
0%
Overseas Equities
0%
Property
0%
Australian fixed interest
0%
Overseas fixed interest
0%
Cash
100%

 

Security focus
Objectives To provide income and some capital growth over the medium term from diversified investments.
Strategy This option is wholly invested in the Tower Security Focus Fund. The asset allocation provides diversity between asset classes but maintains an emphasis on fixed interest and cash securities. A small holding in shares and property provides some capital growth potential.
Asset Allocation Ranges Asset Classes
30 June 2008
Australian Equities
15%
Overseas Equities
10%
Property
5%
Australian fixed interest
30%
Overseas fixed interest
15%
Cash
25%

 

Balanced Growth
Objectives To provide long term capital growth and some income from diversified investments.
Strategy This option is wholly invested in the Tower Balanced Growth Fund. The asset allocation provides diversity between asset classes but maintains an emphasis on growth securities such as shares and property.
Asset Allocation Ranges Asset Classes
30 June 2008
Australian Equities
36%
Overseas Equities
24%
Property
8%
Australian fixed interest
20%
Overseas fixed interest
7%
Cash
5%

 

Balanced Growth
Objectives To provide long term capital growth and some income from diversified investments.
Strategy This option is wholly invested in the Tower Balanced Growth Fund. The asset allocation provides diversity between asset classes but maintains an emphasis on growth securities such as shares and property.
Asset Allocation Ranges Asset Classes
30 June 2008
Australian Equities
36%
Overseas Equities
24%
Property
8%
Australian fixed interest
20%
Overseas fixed interest
7%
Cash
5%

 

Growth Maximiser
Objectives To provide long term capital growth from diversified investments.
Strategy This option is wholly invested in the Tower Growth Maximiser Fund. The asset allocation provides a high weighting to growth assets such as shares and property with a small amount invested in fixed interest and cash securities.
Asset Allocation Ranges Asset Classes
30 June 2008
Australian Equities
42%
Overseas Equities
35%
Property
8%
Australian fixed interest
5%
Overseas fixed interest
5%
Cash
5%

 

 

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© 2008 Australian Enterprise Super

The information contained on this website is of a general nature only and does not take into account your personal objectives, situation or needs. Before making a decision about Australian Enterprise Super, you should consider your own requirements and the relevant Product Disclosure Statement. To obtain a copy, call us on 1800 555 024 or download it from this website.

Professional Associations Superannuation Limited (PASL) (ABN 14 056 917 303 RSE L0000352 AFSL 222590) as Trustee of Professional Associations Superannuation Fund (PASF) (ABN 78 984 178 687 RSE R1000429). Australian Enterprise Super is a Division of PASF.