Understanding your risk profile

Risk is a fundamental part of investing, which means establishing your appetite for potential risk and return is an essential step before you invest any money. Without this information, you might find yourself exposed to too much risk, or may find it hard to generate the returns you want within your investment time frame. The following questions will help you build a picture of what your risk profile looks like. Remember, these questions are a guide only and are not intended to act as a replacement for a financial or investment plan.


Which funds are you interested in?


KiwiSaver Investor Profile Questionnaire


Unit Trust PIE Funds Profile Questionnaire

Will you withdraw your KiwiSaver to make a 1st home purchase in the next 5 years?

Question 1 of 4

I plan to begin withdrawing money from my KiwiSaver account in...

Question 2 of 4

When I hear 'risk' related to my KiwiSaver investment...

Question 3 of 4

What would you do with a $100,000 windfall that had to be invested?

Question 4 of 4

If your KiwiSaver were to decline in value by 10% over a 12-month period, what would you do?



Your risk profile is Conservative

Conservative
Balanced
Growth

Milford Funds and their risk profiles

As with any investment, all Milford KiwiSaver and Unit Trust PIE funds carry with them an associated level of risk. The level of risk each fund has depends on the types of assets it invests in. It is also worth remembering that a good way to mitigate some risk is to invest in more than one Fund or across more than one type of investment. This process is called diversification and you can read more about it here

Risk profileMilford KiwiSaver FundsMilford Unit Trust PIE Funds
ConservativeMilford Conservative FundMilford Conservative Fund
Balanced-Milford Diversified Income Fund
BalancedMilford Balanced FundMilford Balanced Fund
GrowthMilford Active Growth FundMilford Active Growth Fund
Growth-Milford Global Fund
Growth-Milford Trans-Tasman Fund
Growth-Milford Dynamic Fund

Risk versus time

Time can have a strong influence over risk. Typically, as your investment time shortens your appetite for risk will lessen because you have less time to offset any short-term falls in value. For this reason, you should re-assess your risk profile every six to twelve months to ensure you’re not carrying too much or too little risk.

Question 1 of 6

I plan to begin withdrawing money from my investment in:

Question 2 of 6

Once I begin withdrawing from my investment, I plan to withdraw all of the money in:

Question 3 of 6

My main concern is protection of capital. Keeping my money protected is more important than earning higher returns

Question 4 of 6

How would you best describe your investment experience?

Question 5 of 6

If your investments were to decline in value by 10% over a 12-month period, what would you do?

Question 6 of 6

Investing involves taking some risk. The level of risk will vary depend on the Fund(s) you are invested in. If you could increase the chances of improving your investment return by taking some risk would you be willing to:



Your risk profile is Growth

Conservative
Balanced
Growth

Milford Funds and their risk profiles

As with any investment, all Milford KiwiSaver and Unit Trust PIE funds carry with them an associated level of risk. The level of risk each fund has depends on the types of assets it invests in. It is also worth remembering that a good way to mitigate some risk is to invest in more than one Fund or across more than one type of investment. This process is called diversification and you can read more about it here

Risk profile Milford Unit Trust PIE Funds Milford KiwiSaver Funds
Conservative Milford Conservative Fund Milford Conservative Fund
Balanced Milford Diversified Income Fund -
Balanced Milford Balanced Fund Milford Balanced Fund
Growth Milford Active Growth Fund Milford Active Growth Fund
Growth Milford Global Fund -
Growth Milford Trans-Tasman Fund -
Growth Milford Dynamic Fund -

Risk versus time

Time can have a strong influence over risk. Typically, as your investment time shortens your appetite for risk will lessen because you have less time to offset any short-term falls in value. For this reason, you should re-assess your risk profile every six to twelve months to ensure you’re not carrying too much or too little risk.

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Disclaimer: This is not an investment or financial plan. It should be treated as a guide only. It is not meant as a replacement for personalised financial advice. If you are in need of financial advice you should speak to an Authorised Financial Adviser.

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