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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 Plus
3
Conservative Growth
5
Balanced Growth
7
High Growth
9
Aggressive Growth
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 Plus Conservative Growth Balanced Growth High Growth Aggressive Growth

Scoring Methodology

Scoring
Investment option
23 and under
Cash Plus
24-30
Conservative Growth
31-40
Balanced Growth
41-50
High Growth
51-61
Aggressive Growth

Cash Plus

The objective of this option is to produce an income with no risk of losses. The aim is to achieve after tax returns in line with the Bank Bill rate (about 1% p.a. above CPI on average) in any two year period.
 

Investor time horizon Short term
Investment reserve to smooth returns? No
Level of investment risk Low
Unit price @ 30/6/08 $1.3099
Annualised effective return @ 30/6/08 4.0%

Your return will vary based on the length of time you've been a member and any transactions and individual unit prices during the year.

How Cash Plus super assets are allocated

Option As at 30 June 2008
  Asset Allocation
Australian Equities 0%
Overseas Equities 0%
Alternatives 0%
Property 0%
Diversified Fixed Interest 0%
Cash 100%

Conservative Growth

The objective of this option is to produce an income with minimal risk of losses. The aim is to achieve at least 2% a year above CPI inflation in any three year period. There is a risk of negative annual returns once in every eight years on average.

Investor time horizon Short-medium term (1-3 years)
Investment reserve to smooth returns? No
Level of investment risk Low
Unit price @ 30/6/08 $1.4159
Annualised effective return @ 30/6/08 1.5%

Your return will vary based on the length of time you've been a member and any transactions and individual unit prices during the year.

How Conservative Growth super assets are allocated

Option As at 30 June 2008
  Asset Allocation Benchmark
Australian Equities 5-25% 13%
Overseas Equities 0-15% 11%
Alternatives 0-10% 10%
Property 0-15% 6%
Diversified Fixed Interest 40-70% 35%
Cash 0-30% 25%

Balanced Growth

The objective of this option is to produce an income with limited risk of losses. The aim is to achieve at least 3% a year above CPI inflation in any five year period. There is a risk of negative annual returns once in every five years on average.

Investor time horizon Medium term (3-5 years)
Investment reserve to smooth returns? No
Level of investment risk Moderate
Unit price @ 30/6/08 $1.5378
Annualised effective return @ 30/6/08 -5.3%

Your return will vary based on the length of time you've been a member and any transactions and individual unit prices during the year.

How Balanced Growth super assets are allocated

Option As at 30 June 2008
  Asset Allocation Benchmark
Australian Equities 20-45% 34%
Overseas Equities 15-35% 28%
Alternatives 0-15% 13%
Property 5-20% 10%
Diversified Fixed Interest 5-40% 9%
Cash 0-20% 6%

High Growth

The objective of this option is to produce high income with some risk of losses. The aim is to achieve at least 3.5% a year above CPI inflation in any seven year period. There is a risk of negative annual returns once in every four years on average.

Investor time horizon Medium-long term (5-10 years)
Investment reserve to smooth returns? No
Level of investment risk High
Unit price @ 30/6/08 $1.5340
Annualised effective return @ 30/6/08 -7.1%

Your return will vary based on the length of time you've been a member and any transactions and individual unit prices during the year.

How High Growth super assets are allocated

Option As at 30 June 2008
  Asset Allocation Benchmark
Australian Equities 30-55% 40%
Overseas Equities 15-35% 32%
Alternatives 0-15% 12%
Property 5-20% 10%
Diversified Fixed Interest 5-30% 0%
Cash 0-15% 6%

Aggressive Growth

The objective of this option is to produce a high income. The aim is to achieve at least 4% a year above CPI inflation in any eight year period. There is a risk of negative annual returns once in every four years on average.

Investor time horizon Long term (10+ years)
Investment reserve to smooth returns? No
Level of investment risk Very High
Unit price @ 30/6/08 $1.5700
Annualised effective return @ 30/6/08 -9.0%

Your return will vary based on the length of time you've been a member and any transactions and individual unit prices during the year.

How Aggressive Growth super assets are allocated

Option As at 30 June 2008
  Asset Allocation Benchmark
Australian Equities 35-65% 46%
Overseas Equities 25-45% 36%
Alternatives 0-15% 8%
Property 5-20% 10%
Diversified Fixed Interest 0% 0%
Cash 0% 0%

 

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.