Your Risk Profile - Milford Asset

Your risk profile

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 more risk. The following questions will help you build a picture of what your risk profile looks like. Remember, these questions are a guide to help you to determine your risk profile and, on the basis of that risk profile, the Milford funds usually suitable for that risk profile. It is not intended to provide you with financial advice because it does not take into account your personal goals, financial situation or needs. You should not treat this as financial advice.

Investor Profile Questionnaire

Which funds are you interested in?

This tool is provided by Milford Private Wealth Limited, a licenced Financial Advice Provider (FSP391786), part of the Milford group. It only applies to Milford Investment Funds and the Milford KiwiSaver Plan both managed by Milford Funds Limited (also part of the Milford group). There is no charge for using this risk profile tool, although there are fees attached to the Milford funds.

KiwiSaver Investor Profile Questionnaire

Investment Funds Profile Questionnaire

Will you be withdrawing your KiwiSaver to make a 1st home purchase?

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

Investments do occasionally go down in value. If you had $20,000 invested for the long term, how much of a drop in value could you tolerate over a 12-month period before you took action?

Question 4 of 4

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



The information that you provide us in this tool may be used by Milford for the purposes set out in our Privacy Policy. By proceeding, you agree to our Privacy Policy found here.

Your risk profile is Conservative

Defensive
Conservative
Balanced
Growth
Aggressive

Milford Funds and their risk profiles

As with any investment, all Milford KiwiSaver and Investment 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 KiwiSaver Funds
Defensive KiwiSaver Cash Fund
Conservative KiwiSaver Conservative Fund
Balanced KiwiSaver Moderate Fund
Balanced KiwiSaver Balanced Fund
Growth KiwiSaver Active Growth Fund
Aggressive KiwiSaver Aggressive 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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As this tool only applies to Milford Investment Funds and the Milford KiwiSaver Plan, a conflict of interest exists because those funds are managed by Milford, who earns fees on the funds. We manage this by clearly explaining that we only cover Milford funds, ensuring we are not materially influenced by our own interests and providing clear disclosure of all fund fees as applicable. Further Information about our Conflicts of Interest Policy is available upon request.

Question 1 of 5

I plan to begin withdrawing money from my investment in:

Question 2 of 5

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

Question 3 of 5

When I hear "risk" related to my investment…

Question 4 of 5

Investments will occasionally go down in value. If you had $20,000 invested for the long term, how much of a drop in value could you tolerate over a 12-month period?

Question 5 of 5

Investing involves taking some risk. The level of risk will vary depending 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:



The information that you provide us in this tool may be used by Milford for the purposes set out in our Privacy Policy. By proceeding, you agree to our Privacy Policy found here.

Your risk profile is Growth

Conservative
Balanced
Growth
Aggressive

Milford Funds and their risk profiles

As with any investment, all Milford KiwiSaver and Investment 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 Investment Funds
Conservative/Defensive Cash Fund
Conservative Trans-Tasman Bond Fund
Conservative Global Corporate Bond Fund
Conservative Conservative Fund
Balanced Diversified Income Fund
Balanced Balanced Fund
Growth Active Growth Fund
Growth Australian Absolute Growth Fund ***
Aggressive Global Equity Fund
Aggressive Trans-Tasman Equity Fund
Aggressive 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.

< Go Back
Next >

As this tool only applies to Milford Investment Funds and the Milford KiwiSaver Plan, a conflict of interest exists because those funds are managed by Milford, who earns fees on the funds. We manage this by clearly explaining that we only cover Milford funds, ensuring we are not materially influenced by our own interests and providing clear disclosure of all fund fees as applicable. Further Information about our Conflicts of Interest Policy is available upon request.

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Duties - Milford is bound by certain duties in providing financial advice, these include:

  1. Meeting the required standard of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services
  2. Giving priority to our clients’ interests, by taking all reasonable steps to ensure we are not materially influenced by our own interests
  3. Exercising care, diligence and skill in providing you with this tool
  4. Meeting the required standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services.

Complaints - You can find information about how to make a complaint and an overview of our internal complaints process on our website at milfordasset.com. Our website also provides information about and the contact details of, the independent dispute resolution service to which we belong.

Disclosure available on request – Our disclosure information is available in writing on request.

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