Risk Profile Calculator

1. Which of the following best describes your purpose of investing?

Investing for growth, and to accumulate long term wealth, with a horizon of 5 years or more

You have surplus funds to invest and aim to accumulate long term wealth from a balanced portfolio

You have a lumpsum (eg an inheritance) and you want to invest in secured investment alternatives

To create sufficient funds for retirement

Accumulate sufficient funds for a specific objective within the next 5 years

2. Which of the following best describes your current stage of life?

Single, with few financial burdens and keen to accumulate wealth for the future

A couple without children; preparing for the future; want to buy a house.

Couple with young kids, have a home. You have a mortgage and maintain only small cash balances.

Mature family, you’re in your peak earning years and have the mortgage under control. Your partner works and children are growing up and require less supervision/have left home and now you can think about retirement

Preparing for retirement, you probably own your home and have few financial burdens; you want to ensure you can afford a comfortable retirement. Interested in travel, recreation and self-education

Retired, you rely on existing funds and investments to maintain your lifestyle. You may be receiving a pension. Keen to enjoy life and maintain your health

3. In the light of current interest rates, what returns to do you reasonably expect to achieve from your investments?

Current inflation rate, without losing any capital

Current inflation rate plus 2-4% per annum

Current inflation rate plus 5-7% per annum

Current inflation rate plus 8-12% per annum

Greater than 12%

4. Would you ever consider using derivative products such as Options and Warrants as part of your investment strategy?

You have good under standing of derivative products and are interested in trading these for profit

You would consider using derivatives as a defensive strategy and as a means of generating additional income for your portfolio

You would consider using derivatives as part of a defensive strategy only

You are not very familiar with derivatives and would like to understand fully before trading

No, derivatives are too risky

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