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How risky are you? Use our questionnaire to discover your attitude to risk.

Risk Profiler

This Risk Profiler is not designed to replace a detailed factfind but it is intended to complement a factfind by helping to define your attitude to specific investment risks. All questions should be answered in the context of any proposed or existing investment.

The risk score can vary from one to ten with one being the least risky and ten the most risky. A risk score of one will result in a suggested portfolio consisting mostly of cash with ten resulting in a portfolio heavily weighted in equities. Intermediate scores will result in a broader spread of asset classes.

The Selestia risk assessment is simply a guide based on information provided and does not take into account your full personal circumstances. The decision to invest more conservatively or more aggressively is always at your own discretion.

1. When do you need this money or for how long do you want to hold onto this investment?

2. Do you have an emergency fund to provide for unexpected expenses, so that having to draw on medium-long term savings to meet immediate needs can be avoided? (This needs to be equal to at least 3 months after-tax income.)

No.
Yes - but it is inadequate.
Yes - it is adequate.

3. What is your expectation of your future earnings over the next 5 years? Select one of the following statements.

Earnings will decrease/ decline.
Earnings will keeep pace with inflation.
Earnings will increase somewhat ahead of inflation.
Earnings to far outpace inflation.
Earnings to flucuate.

4. Approximately what portion of your total investment portfolio will this existing/proposed investment represent?

Less than 25%
25 - 50%
50 - 75%
75% +

5. Which statement most closely reflects your current financial situation?

Completely debt free.
Mortgage free but have a few other obligations.
A reasonable mortgage but no other debts.
A mortgage and a few other obligations.
A lot of obligations.

6. Indicate which statement reflects your overall view on investing money. The longer term means 5 years or more.

You are risk averse and not prepared to expose investments to high volatility to earn higher long term returns. Stable annual returns are desired.
You want to achieve higher long-term returns and are prepared to experience reasonable levels of volatility.
You want to maximise long-term returns and spend little time worrying about the short term market movements.

7. Is avoiding losses in your investment portfolio over any one-year period important to you?

Strongly Agree
Agree
Neutral
Disagree
Strongly disagree

8. What level of loss in the value of your funds over a one-year period would concern you, bearing in mind that equity investment requires a long-term view?

0 to just under 5%
5% to just under 10%
10% to just under 15%
15% to just under 20%
None of the above would concern me.

9. Do you think that any losses you might incur will be recovered by holding on to the investment?

Strongly Agree
Agree
Neutral
Disagree
Strongly disagree

10. Is beating inflation over the longer term more important to you than returns achieved over any one-year period?

Strongly Agree
Agree
Neutral
Disagree
Strongly disagree

11. If you could increase the chances of improving your investment returns by taking more risk, would you:

Be willing to take a lot more risk with all of the money.
Be willing to take a lot more risk with some of the money.
Be willing to take a little more risk with all of the money.
Be willing to take a little more risk with some of the money.
Be unlikely to take much more risk.