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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?  
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?  
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?  
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?  
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?  
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?  
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 RecruitmentSuper investment options below do you think is most appropriate for your investment needs?  
Cash
3
Stable
5
Moderate
7
Growth
9
Aggressive
11
     

 

 

 

 

 

 

 

 

 

Important notice

Professional Associations Superannuation Limited (PASL) (ABN 14 056 917 303 AFSL 222590 RSE L0000352) is the Trustee of Professional Associations Superannuation Fund (PASF) (ABN 78 984 178 687 RSE R1000429). RecruitmentSuper is a Division of PASF. Your personal objectives, situation or needs have not been taken into account. Accordingly, before making a decision about RecruitmentSuper, you should consider the relevant Product Disclosure Statement, in light of your personal objectives, situation or needs.
 

Download as PDFDownload this profiler as a PDF
Your investment risk profiled - Results
 

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.
  Cash Stable Moderate Growth Aggressive

Scoring Methodology

Scoring
Investment option
23 and under
Cash
24-30
Stable
31-40
Moderate
41-50
Growth
51-61
Aggressive

Cash

Investment objectives

This option aims to achieve a return (net of fees and taxes) of at least 1.0% a year above CPI1 over rolling two-year periods.

This option aims to avoid negative annual returns.

Strategic asset allocation2

Cash - 100%

Estimated investment fees and costs3

0.07% p.a

  1. CPI stands for Consumer Price Index, which is a measure of the average price of consumer goods and services purchased by Australian households. The percentage change in the CPI is used as a measure of the rate of inflation.
  2. Strategic asset allocation refers to the long-term diversified policy mix implemented by the Trustee that is most likely to achieve the option's investment objectives.
  3. These are based on the option's strategic asset allocation and on negotiated fees as at the date of publication. These may change at any time and, while the Trustee will attempt to provide members with advice of any changes to investment fees, this may not always be possible. Please refer to this website where any changes to these fees will be posted.


    Important things you should know
    This information is of a general nature only and does not take into account your personal objectives, situation or needs.
    Please note that the investment objectives for each of the investment options shown above are not a promise or guarantee of any particular benefit. They are a benchmark the Trustee uses to monitor the investment performance of the Fund. Benchmarks may alter each year and actual asset allocation may vary from time to time.

Stable

Investment objectives

This option aims to achieve a return (net of fees and taxes) of at least 2.0% a year above CPI1 over rolling three-year periods. This option may expect a negative return approximately once every 12 years.

Strategic asset allocation2

Shares - 20%
Property - 10%
Liquid alternatives - 5%
Private capital - 0%
Bonds - 40%
Cash - 25%

Asset allocation ranges3

Shares - 10% to 30%
Property - 5% to 15%
Liquid alternatives - 0% to 15%
Private capital - 0% to 5%
Bonds - 35% to 45%
Cash - 20% to 30%

Estimated investment fees and costs4

0.28% p.a. - 0.32% p.a.

  1. CPI stands for Consumer Price Index, which is a measure of the average price of consumer goods and services purchased by Australian households. The percentage change in the CPI is used as a measure of the rate of inflation.
  2. Strategic asset allocation refers to the long-term diversified policy mix implemented by the Trustee that is most likely to achieve the option's investment objectives.
  3. The asset allocation ranges show the maximum and minimum limits which the Trustee may invest in an asset class for each investment option. The Trustee regularly reviews the asset allocations and may alter them within the ranges over time.
  4. These are based on the option's strategic asset allocation and on negotiated fees as at the date of publication. These may change at any time and, while the Trustee will attempt to provide members with advice of any changes to investment fees, this may not always be possible. Please refer to this website where any changes to these fees will be posted.


    Important things you should know
    This information is of a general nature only and does not take into account your personal objectives, situation or needs.
    Please note that the investment objectives for each of the investment options shown above are not a promise or guarantee of any particular benefit. They are a benchmark the Trustee uses to monitor the investment performance of the Fund. Benchmarks may alter each year and actual asset allocation may vary from time to time.

Moderate

Investment objectives

This option aims to achieve a return (net of fees and taxes) of at least 2.5% a year above CPI1 over rolling four-year periods. This option may expect a negative return approximately once every eight years.

Strategic asset allocation2

Shares - 37.5%
Property - 10%
Liquid alternatives - 10%
Private capital - 0%
Bonds - 30%
Cash - 12.5%

Asset allocation ranges3

Shares - 25% to 45%
Property - 5% to 15%
Liquid alternatives - 5% to 20%
Private capital - 0% to 7.5%
Bonds - 25% to 35%
Cash - 5% to 15%

Estimated investment fees and costs4

0.35% p.a. to 0.43% p.a.

  1. CPI stands for Consumer Price Index, which is a measure of the average price of consumer goods and services purchased by Australian households. The percentage change in the CPI is used as a measure of the rate of inflation.
  2. Strategic asset allocation refers to the long-term diversified policy mix implemented by the Trustee that is most likely to achieve the option's investment objectives.
  3. The asset allocation ranges show the maximum and minimum limits which the Trustee may invest in an asset class for each investment option. The Trustee regularly reviews the asset allocations and may alter them within the ranges over time.
  4. These are based on the option's strategic asset allocation and on negotiated fees as at the date of publication. These may change at any time and, while the Trustee will attempt to provide members with advice of any changes to investment fees, this may not always be possible. Please refer to this website where any changes to these fees will be posted.


    Important things you should know
    This information is of a general nature only and does not take into account your personal objectives, situation or needs.
    Please note that the investment objectives for each of the investment options shown above are not a promise or guarantee of any particular benefit. They are a benchmark the Trustee uses to monitor the investment performance of the Fund. Benchmarks may alter each year and actual asset allocation may vary from time to time.

Growth

Investment objectives

This option aims to achieve a return (net of fees and taxes) of at least 3.0% a year above CPI1 over rolling five-year periods. This option may expect a negative return approximately once every six years.

Strategic asset allocation2

Shares - 53%
Property - 10%
Liquid alternatives - 15%
Private capital - 2%
Bonds - 20%
Cash - 0%

Asset allocation ranges3

Shares - 40% to 60%
Property - 5% to 15%
Liquid alternatives - 10% to 25%
Private capital - 0% to 10%
Bonds - 15% to 25%
Cash - 0% to 10%

Estimated investment fees and costs4

0.44% p.a. to 0.56% p.a.

  1. CPI stands for Consumer Price Index, which is a measure of the average price of consumer goods and services purchased by Australian households. The percentage change in the CPI is used as a measure of the rate of inflation.
  2. Strategic asset allocation refers to the long-term diversified policy mix implemented by the Trustee that is most likely to achieve the option's investment objectives.
  3. The asset allocation ranges show the maximum and minimum limits which the Trustee may invest in an asset class for each investment option. The Trustee regularly reviews the asset allocations and may alter them within the ranges over time.
  4. These are based on the option's strategic asset allocation and on negotiated fees as at the date of publication. These may change at any time and, while the Trustee will attempt to provide members with advice of any changes to investment fees, this may not always be possible. Please refer to this website where any changes to these fees will be posted.


    Important things you should know
    This information is of a general nature only and does not take into account your personal objectives, situation or needs.
    Please note that the investment objectives for each of the investment options shown above are not a promise or guarantee of any particular benefit. They are a benchmark the Trustee uses to monitor the investment performance of the Fund. Benchmarks may alter each year and actual asset allocation may vary from time to time.

Aggressive

Investment objectives

This option aims to achieve a return (net of fees and taxes) of at least 4.5% a year above CPI1 over rolling eight-year periods. This option may expect a negative return approximately once every four years.

Strategic asset allocation2

Shares - 68%
Property - 10%
Liquid alternatives - 20%
Private capital - 2%
Bonds - 0%
Cash - 0%

Asset allocation ranges3

Shares - 50% to 80%
Property - 5% to 15%
Liquid alternatives -
15% to 30%
Private capital - 0% to 15%
Bonds - 0% to 5%
Cash - 0% to 10%

Estimated investment fees and costs4

0.48% p.a. - 0.64% p.a.

  1. CPI stands for Consumer Price Index, which is a measure of the average price of consumer goods and services purchased by Australian households. The percentage change in the CPI is used as a measure of the rate of inflation.
  2. Strategic asset allocation refers to the long-term diversified policy mix implemented by the Trustee that is most likely to achieve the option's investment objectives.
  3. The asset allocation ranges show the maximum and minimum limits which the Trustee may invest in an asset class for each investment option. The Trustee regularly reviews the asset allocations and may alter them within the ranges over time.
  4. These are based on the option's strategic asset allocation and on negotiated fees as at the date of publication. These may change at any time and, while the Trustee will attempt to provide members with advice of any changes to investment fees, this may not always be possible. Please refer to this website where any changes to these fees will be posted.


    Important things you should know
    This information is of a general nature only and does not take into account your personal objectives, situation or needs.
    Please note that the investment objectives for each of the investment options shown above are not a promise or guarantee of any particular benefit. They are a benchmark the Trustee uses to monitor the investment performance of the Fund. Benchmarks may alter each year and actual asset allocation may vary from time to time.

 

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.

Your score:
00

Important notice

Professional Associations Superannuation Limited (PASL) (ABN 14 056 917 303 AFSL 222590 RSE L0000352) is the Trustee of Professional Associations Superannuation Fund (PASF) (ABN 78 984 178 687 RSE R1000429). RecruitmentSuper is a Division of PASF. Your personal objectives, situation or needs have not been taken into account. Accordingly, before making a decision about RecruitmentSuper, you should consider the relevant Product Disclosure Statement, in light of your personal objectives, situation or needs.