Investment profiler is prepared by AWM Services Pty LTD ABN 15 139 353 496 (AWM Services), and generates factual information only. It’s designed to give you a sense of your investment style based on the questions asked. It’s intended as an educational tool only.
Investment profiler doesn’t constitute a recommendation or statement of opinion about superannuation, retirement or any financial product and shouldn’t be relied upon to make decisions about your finances or what’s right for you.
Investment profiler cannot replace expert, licensed financial advice.
For a full understanding of your investment style, you can work with a qualified financial adviser to identify your investment needs, risk profile and life goals.
Investment profiler will not record or store any information you enter for future use in any other AMP planning or simulator tool.
Investment profiler uses four simple questions to help work out what investment style may suit you. This section explains the approach and assumptions sitting behind each question, to help you understand how the tool works.
What level of investment risk are you comfortable with?
The level of investment risk asks you to tell us how much risk you’re willing to take when considering the chance of losing money, because investment markets have a changing nature and tend to move up and down over time. This tool uses low, medium and high to measure your risk levels. Low means you’re not comfortable with taking risks in your investments and prefer smaller but steadier returns. Medium means you’re open to taking some risks and prefer a mixture of higher and lower risk investments to achieve a more even balance. High means you’re willing to accept a greater degree of up and down movements in your portfolio value, in the pursuit of higher returns.
What level of returns are you looking for?
In other words, how much are you aiming to get back from your investments? This tool captures your expectations using low, medium and high. Your investment returns are directly linked to the level of risk, so for example if you’re aiming for a high return, your investment risk will also generally need to be higher.
How important is it for your investments to keep up with inflation?
Over time, the cost of goods go up (inflation). If your investments don’t go up at the same rate as inflation, then your money will lose purchasing power. So, keeping up with inflation means you may require higher returns to make sure the purchasing value of your investments doesn’t decrease over time. In this tool, how important you rate this is captured as low, medium and high importance. This question plays a smaller role in determining your investment style.
How long would you like to invest for?
The amount of time you’d like to invest for plays a large role in determining your investment style. This tool captures your investment timeframe as short (1-3 years), medium (4-7 years) and long (8+ years). Generally, shorter timeframes fall in a lower risk investment approach because there’s less time to recover from any potential loss. Longer timeframes have a more time to recover from any potential loss so can lean towards a more aggressive (higher risk) investment approach.
What you need to know
This information is prepared by AWM Services Pty LTD ABN 15 139 353 496 (AWM Services) which is part of the AMP Group (AMP). It is general information only and hasn’t taken your circumstances into account. It’s important to consider your particular circumstances and the relevant Product Disclosure Statement or Terms and Conditions, available by calling 13 30 30, before deciding what’s right for you. Read our Financial Services Guide for information about our services, including the fees and other benefits that AMP companies and their representatives may receive in relation to products and services provided to you.
All information on this website is subject to change without notice. Although the information is from sources considered reliable, AMP does not guarantee that it is accurate or complete. You should not rely upon it and should seek professional advice before making any financial decision. Except where liability under any statute cannot be excluded, AMP does not accept any liability for any resulting loss or damage of the reader or any other person.