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Your risk profile is your ‘investment personality’; how comfortable you are with different levels of risk. It is determined by your age, goals and positioning in life. Your risk profile will determine the most appropriate mixture of shares, property, fixed interest and cash suitable to your investment portfolio. |
As a Defensive Investor, risk must be very low. You are prepared to accept lower returns to protect capital. The negative effects of tax and inflation will not concern you, provided your initial investment is protected.
Investments mainly in defensive assets such as cash and fixed interest with a benchmark allocation of 30% invested in growth assets such as equities and property.
As a Moderate Investor you seek better than basic returns, but risk must be low. Typically an older investor seeking to protect wealth which you have accumulated, you may be prepared to consider less aggressive growth investments.
To invest in a diversified mix of growth and defensive assets. Growth assets will have a benchmark allocation of 50%, with the balance in defensive assets such as cash and fixed interest.
You seek a balanced portfolio to work towards medium to long term financial goals. You require an investment strategy which will cope with the effects of tax and inflation. Calculated risks will be acceptable to you to achieve good returns.
To invest in a diversified mix of growth and defensive assets. Growth assets will have a benchmark allocation of 70%, with the balance in defensive assets such as cash and fixed interest.
You are probably earning sufficient income to invest most funds for capital growth. Prepared to accept higher volatility and moderate risks, your primary concern is to accumulate assets over the medium to long term. Your portfolio may include more aggressive investment.
To invest in a diversified mix of primarily growth assets. Growth assets will have a benchmark allocation of 85%, with the balance in defensive assets such as cash and fixed interest.
You are prepared to compromise portfolio balance to pursue potentially greater long-term returns. Your investment choices are diverse, but carry a higher level of risk. Security of capital is secondary to the potential for wealth accumulation.
This investment option invests in a diversified mix of primarily growth assets that will have a benchmark allocation of 99% with the balance in cash.
