Understanding your comfort with market ups and downs is the first step in designing an investment strategy that works for you.
Why This Matters
Investment strategies should be designed to meet your personal and specific financial goals—whether providing retirement income, funding education, or saving for a home. We call these goals your preferred investment destination.
Different strategies entail different amounts of risk. Generally, but by no means always, the riskier the strategy, the higher the returns and the bigger the ups and downs along the way. We refer to this experience as your investment journey.
Investment Destination
What you are trying to achieve with your investment strategy—your financial goals and objectives.
Investment Journey
The experience along the way—the ups and downs you'll encounter as markets rise and fall over time.
A Question of Balance
There are very few certainties in the investment world—markets can and do rise and fall, interest rates can and do fluctuate. The higher the returns we try to achieve, the higher the risk that something can go wrong. However, some risk is generally necessary because if a strategy is too cautious, it may not earn high enough returns to meet your goals. Like many things in life, it's a question of balance.
Q1
I/we expect my/our investment portfolio to:
a
Give low returns largely independent of the sharemarket
b
Give modest returns with some minor fluctuations
c
Give solid returns with some significant swings along the way
d
Perform well, but not as well as the sharemarket
e
Keep pace with the sharemarket
Q2
I/we would expect my/our investment portfolio to show positive long-term returns, but can accept a downturn:
a
Every 15 to 20 years
b
Every 10 to 15 years
c
Every 5 to 10 years
d
Every 4 to 6 years
e
Every 3 to 4 years
Q3
I/we could accept the following downturn in the overall value of my/our portfolio in any one year:
a
A 5% downturn
b
A 10% downturn
c
A 15% downturn
d
A 20% downturn
e
A 25% downturn
Your Indicated Preference
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Return Expectations
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Downturn Frequency
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Loss Tolerance
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This is an initial indication only. Your actual risk profile requires comprehensive assessment of your financial situation, goals, and capacity for loss.
Ready to Discuss Your Investment Strategy?
Complete the three questions above, then click below to start a conversation with our team about designing an investment strategy aligned with your preferred journey.
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Important Information
General Advice Warning: This profiler provides general information only and has been prepared without taking into account your objectives, financial situation, or needs. The results are indicative only and do not constitute personal financial advice. Before making any investment decision, you should consider seeking independent financial advice tailored to your circumstances.
Not a Complete Assessment: This brief questionnaire captures your preferences regarding investment journey. A comprehensive risk profile assessment—including your financial capacity, investment timeframe, and specific objectives—is essential before implementing any investment strategy.
Our approach is supported by two frameworks developed over more than two decades of practice. The Wealth Pyramid™ provides a conceptual and technical analysis of your complete financial position—from foundations through accumulation to distribution. The Service Cube™ recognises that your need for advice changes over time, and structures our relationship accordingly. Both frameworks have been registered trademarks since June 2002.