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Risk profile calculator

It is important for you to align your reasonable return expectations with your risk profile. For example, conservative or cautious investors should not expect the highest return available if they are unwilling to accept an additional element of risk within the investment. Selecting a suitable investment portfolio when making an investment is a complex decision that takes into consideration a number of factors. These factors include changing investment markets, your personal circumstances and your appetite for investment risk. This risk profile questionnaire has been developed to assist you in using these factors to enable you to determine your risk tolerance level. In developing the questionnaire, we have assumed that the longer the investment term, the higher the level of risk that may be accepted within a portfolio, provided that it is possible to achieve higher returns and outperformance in exchange for this position.

Answer the questions to see your risk profile:

Retirement provision risk profile calculator. Retirement provision risk profile calculator. Retirement provision risk profile calculator. Retirement provision risk profile calculator. Retirement provision risk profile calculator. Retirement provision risk profile calculator. Retirement provision risk profile calculator. Retirement provision risk profile calculator.

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1
Choose the option that closes resembles your intended investment:
   
A Lump sum investment of R 10 000 or a recurring investment of R 100 pm.
B Lump sum investment of R 100 000 or a recurring investment of R 1 000 pm.
C Lump sum investment of R 1 000 000 or a recurring investment of R 10 000 pm.
   
   
2
What investment term is required for this particular investment?
   
A Shorter than 3 years
B Between 3 and 5 years
C For 5 years and longer
   
   
3 Look at the graphs of this questionnaire that display hypothetically the best and worst performances of four typical investments (each having a different investment risk) over a 5-year period. Consider the instability of the investment values and the possible losses and/or gains that may occur during the investment term. Select the one that you are willing to accept with the most comfort, given your investment goal.
 
 
   
 
   
4 Suppose you made a one-off payment a few years ago or have been investing on a recurring payment basis
 
for a few
 
From the options given below, indicate the worst future performance of the investment that you possibly can tolerate.
   
A
B
C
D
E
   
   
5 Select the investment return that most closely resembles your expectation for the investment you are
 
considering now.
   
A Returns in excess of inflation (plus 2% to 4%), but with possibility of capital losses.
B Maximise returns, even though returns might be unstable and significant capital losses may occur from year to year.
C Returns at least equal to inflation (with a small possibility of occasional capital loss).
   
   
6 Suppose you made a one-off payment a few years ago or have been investing on a recurring payment
 
basis for a few
 
 
A
B
C
D
E
   
   
7 The chart of this questionnaire shows hypothetically the changing values of a typical one-off payment of
 
 
Select the portfolio that best fits your expectation of the balance between return and stability in investment value.
 
 
   
   
8
What is your immediate income requirement from the investment that you are actually considering?
 
A No immediate income required
B Moderate income requirement (between 5% & 8% of capital per year)
C High income requirement (more than 8% of capital per year)
   
   
9
Select the statement that best describes the overall goal of the investment you are considering now.
 
A Capital preservation very important; can accept only small risk of capital loss over any 1 year period; maximizing capital stability.
B Provision of income; can accept only limited risk of capital loss over any 1 year; stable income.
C Need the potential for future capital and income growth; can accept some risk of capital loss over any 1 year.
D Provision of long-term capital growth, with no current need for income, at the risk of potentially extremely unstable returns from year to year.
   
   
 
   
   
  Calculated risk profile:
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