Risk Profile Questionnaire

Risk Profile Questionnaire
Part 1: Perspectives on Risk, Decision-Making, and Financial Priorities

Direction: Please choose the corresponding box for your answer.

1. When you think of the word “risk,” what word best describes your thoughts?

2. How do you manage when faced with an important decision?

	Client 1	Client 2
I enjoy being the decision maker
I am confident I will make the right decision
I wonder what the right decision is
I worry whether I will make the right decision
I prefer not to be the decision maker

3. When faced with a financial decision, what are you most concerned with?

4. Imagine you were in a job where you could choose between salary, bonus, or a mix of both. Which would you choose?

	Client 1	Client 2
Salary of $70,000
Salary of $65,000 with potential bonus of $15,000
Salary of $60,000 with a potential bonus of $30,000
Salary of $50,000 with a potential bonus of $50,000
Salary of $40,000 with a potential bonus of $100,000

5. How familiar are you with investment & financial markets?

	Client 1	Client 2
Very little understanding or interest
Not very familiar
Have had enough experience to understand the importance of diversification
I understand that markets may fluctuate and that different sectors offer different income, growth, and taxation characteristics
I am an experienced investor with all investment classes and understand the factors that may influence performance

RISK PROFILE DESCRIPTIONS

To determine your risk profile based on your score, simply select the corresponding “total score range” below:

Total Score Range	Risk Profile
70 to 140	Very Conservative (100% Cash)
141 to 220	Conservative (100% Fixed Interest)
221 to 310	Moderately Conservative (70% Defensive/30% Growth)
311 to 400	Conservative Growth (50% Defensive/50% Growth)
401 to 480	Balanced (30% Defensive/70% Growth)
481 to 560	Growth (15% Defensive/85% Growth)
561 to 650	High Growth (100%)

YOUR RISK PROFILE & DECLARATIONS
REASONS FOR SELECTION:

I/We am/are satisfied with the risk profile outcome, based on my score & discussions with my/our adviser.I/We am/are not comfortable with the risk profile outcome based on the score and have nominated an alternate option that I/we feel better reflects my/our attitude to risk and return (please specify reasons below).
For couples only with Joint investments
Where there is a difference between Client 1 & Client 2 risk profiles, with joint investments:

We would prefer our Joint investments to be in line with Client 1’s risk profile.We would prefer our Joint investments to be in line with Client 2’s risk profile.We would prefer our Joint investments to be in between each of our risk profiles.
Please tick this box where Client 1 has been nominated to complete this form on behalf of Client 2.

I/We am/are comfortable with the risk profile outcome of Client 1, who is the primary decision maker when it comes to investments and financial planning matters.

CLIENT DECLARATION
I/we confirm the information contained in this form is true and correct to the best of my/our knowledge.

I/We give permissions for this information to be used for the provision of advice and I/We understand that the investment recommendations will be based on the information supplied in this form.

In understanding the concept of risk and return, I/we acknowledge that the risk profile agreed to is an adequate reflection of my/our tolerance of investment risk.
Full Name*

First NameLast Name
Date

MonthDayYear
Date
By entering my name I confirm the answers provided are correct to the best of my knowledge.
Should be Empty:

	Client 1	Client 2
You would invest more funds to take advantage of the lower investment prices expecting future growth
You would leave your investments in place, expecting performance to improve, as this was a risk you understood.
You would be concerned but would wait to see if the investments improve.
You would cut your losses and transfer your funds to more secure investment sectors.
You would move the entire investment to cash - security of your capital is critical and you do not intend to take risks.

	Client 1	Client 2
You want to protect the value of your investment capital.
You have some specific objectives within the next 5 years for which you want to accumulate sufficient funds.
You are nearing retirement, and you are investing to ensure you have sufficient funds available to enjoy your retirement.
You have a lump sum (e.g. inheritance or a superannuation rollover payment from your employer) and you are uncertain about what sort of investment alternatives are available.
You are not nearing retirement, have surplus funds to invest and are aiming to accumulate long term wealth from a balanced portfolio.
You have an investment time frame of over 5 years. You are mainly investing for growth to accumulate long-term wealth.

	Client 1	Client 2
I would rather alter my retirement goals than take on any more risk
I would take a combination of higher risk investments as well as altering my retirement goals
I would rather take a higher risk investment than alter my retirement goals

Part 1: Perspectives on Risk, Decision-Making, and Financial Priorities

	Client 1	Client 2
I am not willing to consider this option
I am concerned
I am open to this strategy
I am comfortable
I am very comfortable