icon-become-client2 Online Risk Questionnaire

Try our free and fun Online Risk Questionnaire, to determine the most appropriate investment profile that is aligned to your risk profile.





  1 2 3 4 5 weighting
Investment method Lump sum
Combination
Monthly
Intended holding period (years) 0-2
2-4
5-8
8-10
10+
Investment knowledge very limited
basic
conversant
good
Investment experience none
limited
intermediate
experienced
Reaction of negative return in 1st year of investment immediate disinvestment
disappointed but stick to plan
Fluctuations seen as normal
Taking into account your required return and acceptable exposure to volatility your prefered graph is? none
view graph


view graph


view graph


view graph


I can await recovery of a negative return in any year for a period of x years will not wait
2 years
3 years
4 years
5 years
Will you need to draw from investment for unexpected emergencies? yes, all
Yes, <25%
Yes, < 10%
not at all
Expected return from investment call a/c
bank +2%
bank +4%
bank +6%
bank +7%


Please enter the above calculated score in the box below to get an explanation on your risk profile.

Based on your responses in the Risk Questionnaire, we have determined that your profile is



CONSERVATIVE



Explanation



A CONSERVATIVE PROFILE will result in very low levels of volatility. Over the medium term, returns will exceed gross Bank rates by 1% before tax. On an after-tax basis, the gap is more likely to be more (1% to 2%), as bank interest is taxable. As a conservative investor your primary aim is to conserve /protect your capital. Returns that are in line with inflation would be acceptable, however ideally you would like slight out performance of inflation over the medium term. You are not prepared for any negative year in terms of returns.







Risk Profile Calendar Year Performance







Risk Profiles Best and Worst Performance 1997-2011 (Annualised)







Holding Period Graph





Based on your responses in the Risk Questionnaire, we have determined that your profile is



CAUTIOUS



Explanation



A CAUTIOUS PROFILE will result in low levels of volatility. Over the medium term, returns will exceed gross Bank rates by 2% before tax.
On an after-tax basis, the gap is more likely to be more (2% to 3%), as bank interest is taxable. As a cautious investor, a slight level of volatility is acceptable provided you don?t experience any year of negative returns. Your primary aim is to protect your capital first with a small probability to beat inflation by 2% after tax.







Risk Profile Calendar Year Performance







Risk Profiles Best and Worst Performance 1997-2011 (Annualised)







Holding Period Graph





Based on your responses in the Risk Questionnaire, we have determined that your profile is



MODERATE



Explanation



A MODERATE PROFILE will result in noticeable levels of volatility, where a negative year cannot be ruled out. However, over the medium term, moderate profiled investment returns are designed to exceed gross Bank rates by 3% before tax.
On an after-tax basis, the gap is more likely to be more (3% to 4%), as bank interest is taxable. As a moderate profiled investor you are prepared to accept short term volatility at reasonable levels in order to earn a higher than bank rate return over the medium term







Risk Profile Calendar Year Performance







Risk Profiles Best and Worst Performance 1997-2011 (Annualised)







Holding Period Graph





Based on your responses in the Risk Questionnaire, we have determined that your profile is



ASSERTIVE



Explanation



An ASSERTIVE PROFILE will result in significant levels of volatility, where a negative month, quarter and year cannot be ruled out. In exchange for this volatility, assertive portfolio structures have the potential to deliver significant inflation beating returns. Assertive investors require patience and resolve to finally see the results. Assertive profiled investments are designed to exceed gross Bank rates by 5% before tax. On an after-tax basis, the gap is more likely to be more (5% to 6%), as bank interest is taxable. As an assertive profiled investor you are prepared to accept volatility in order to earn a higher than bank rate return over the medium term. You are not interested in preserving the inflation value of your capital only. Your aim is mainly capital growth rather than simply capital preservation.







Risk Profile Calendar Year Performance







Risk Profiles Best and Worst Performance 1997-2011 (Annualised)







Holding Period Graph





Based on your responses in the Risk Questionnaire, we have determined that your profile is



AGGRESSIVE



Explanation



An AGGRESSIVE PROFILE will result in substantial levels of volatility, where a negative month, quarter and year cannot be ruled out. Aggressive portfolios are often tailor made for investors who understand volatility very well and have strong investment experience. In exchange for this volatility, aggressive portfolio structures have the potential to deliver significant inflation beating returns. Aggressive investors require patience and resolve to finally see the results. Aggressive profiled investments are designed to exceed gross Bank rates by 6% before tax.
On an after-tax basis, the gap is more likely to be more (6% to 7%), as bank interest is taxable. As an aggressive profiled investor you are prepared to accept high levels of volatility in order to earn handsome returns over the medium term. You are not interested in preserving the inflation value of your capital only. Your aim is mainly capital growth rather than simply capital preservation. You are in it for the long term and are prepared to give your strategy time to pan out the results. Typically, you are being aggressive with capital that will definitely not be needed in the next 5 years.







Risk Profile Calendar Year Performance







Risk Profiles Best and Worst Performance 1997-2011 (Annualised)







Holding Period Graph