Risk profiler | Korner Perspective

Risk Profiler

This risk profiler is not a definitive tool in assessing investment needs and objectives, and should serve only as one part of the need and risk profiling process.

Risk Profiler

Please enter your name (that the portfolio relates to)

First Name

Last Name

What is your ultimate investment horison? Please note that your ultimate investment horison extends beyond the next critical event (e.g. Your long term investment horison may be 10 years even if you plan to retire within the next few years) *

Less than 3 years *

3 to 5 years

5 to 10 years

10 years or more

Which of the following statements most accurately describes you (on the medium to long term) *

I would hate to be invested in a rapidly falling market

I accept that investment values fluctuate but like some stability

I would hate to miss out on a rapidly rising market

When do you anticipate a capital withdrawal of at least 20% of the capital or some other critical event that could materially change your investment strategy? (E.g. When you anticipate a significant capital distribution to a beneficiary or plan to retire)

Less than 3 years

3 to 5 years

5 years or more

I never expect to withdraw capital or change the strategy

What income do you require from your portfolio (in the short term)? *

Roughly the after tax yield on cash or bonds

I require a fair income from the portfolio. Probably around half the after tax yield on cash / bonds

I require very little income from this portfolio

I require no income currently but will in the future

What are your return expectations from this portfolio (e.g. on a 1 year view)? These numbers are merely to assess risk tolerance and not specific return expectations. *

Very low returns. A minimum 4% and a maximum 8%

Some return but with minimal risk. A minimum 0% and a maximum 12%

Reasonable potential returns with some losses possible. A minimum -5% and a maximum 20%

Significant potential returns, with a fair amount of risk. A minimum -20% and a maximum 35%

Which statement most accurately describes your overall financial situation? *

I doubt if I have enough capital to maintain my current lifestyle

I have enough capital to maintain my current lifestyle but will need to manage my capital carefully to maintain this into the future

I am comfortable that my capital base will sustain me for the next 5 years but after that is doubtful unless I grow my income / capital

I am very comfortable that my capital will sustain me and my dependants well into the future

What percentage of your total financial assets does this portfolio represent? *

Less than 30%

30% to 50%

50% to 75%

More than 75%

Which statement best describes you investment experience? *

I only have experince in bank deposits, the money market or bonds

I have some experince investing in unit trusts (mutual funds) and/or very limited direct equity (share) experience

I have reasonable investing experince, and have a fair amount of direct equity experience

I have extensive investment experience including derivates

How important will this portfolio in providing for your future needs (e.g 5 years from now)? *

Not at all important

it is reasnoably important that this portfolio grow as it will play a growing role in my financial future (e.g. it will add to my future income and capital. The income required from this portfolio will be more relevant in future, but it wont be a critical part of my income)

Important. I will need the capital to work over the next few years as this portfolio will need to provide income over time. Captial and income grow are important

Crucial. This portfolio will play a vital role in my financial future, and I expect to rely extesively on the capital and income from this portfolio in the future. I therefore need the capital and income in time

Which statement best summarises your attitude to inflation and your need to protecting your capital in real (inflation adjusted terms)? *

Future inflation does not concern me. Preserving the gross capital is far more important to me

Inflation is an important consideration but the need for inflation protection must be balanced against the need to protect the capital on the short term

Inflation is the most important variable on the long term and one must invest to activley protect agaisnt inflation, even if it results in short term capital vulnerability

Which statement do you find more appropriate than the rest? *

Equity (share) investments are very risky and should be avoided

Equities are volatile in the short term but do perform over time

Shares are the most important asset class on the long term asset class. One must ignore short term capital volatility

How important will this portfolio be in providing for your future income needs (i.e. how important is it for the capital and income to grow over time)? *

Not at all important. I will never need an income from this portfolio

The income required from this portfolio will be more relevant in future

The income from this portfolio will be important part of my total income in the next few years

I will rely extesively on the income from this portfolio in the future and as such will require the income from this portfolio to grow

What real (inflation adjusted) return would you like to target on the long term? *

I am not interested in real returns as I require only income

I would like to target a real return of 0% to 3%

I would like to target a real return of 3% to 4%

I would like to target a real return of 4% to 6%

I would like to target a real return of 6% or more

Which statement is most applicable to you (the role this portfolio will play in your long term future)? *

Inflation really is not a consideration

This investment must provide a partial inflation hedge

This investment is an important long term inflation hedge (protection against inflation)

This portfoio provides the bulk of my long term inflation hedge (protection against inflation)

Which statement best summarises your attitude to tax? *

Tax is not a consideration

I am somewhat tax sensitive as I am a high marginal tax payer. I prefer to invest consider tax when investing and adjust your asset mix accordingly (e.g. prefer to be taxed on capital gains than income tax).

Tax is a critical issue and one must not only adjust your asset mix also use vehicles that legitimately reduce the tax liability

Total Score

Score of 10 or less

Your score reveals that you can tolerate virtually no risk. A cash only strategy appears most appropriate for you

Total score between 11 and 25

Your score reveals that you are very risk intolerant. A cautious strategy is recommended

Your score is between 26 and 45

Your score demonstrates a fairly high degree of risk aversion. A defensive strategy is suggested

46 to 60 - A balanced strategy is recommended

61 to 70 - A moderate growth strategy is suggested

You appear reasonably willing to assume a fair degree of risk. A moderate growth strategy is suggested

71 to 85

You appear willing to assume a significant amount of risk, so as to aim for higher returns. A growth strategy is suggested

High growth investment objective

You appear to have a very high risk tolerance. A high growth strategy is recommended.

If you are human, leave this field blank.

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