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 than you’d like, or may find it hard to generate the returns you want within your investment timeframe. 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 financial advice or an investment plan.

Investor Profile Questionnaire

Which funds are you interested in?

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 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:

Would you like to have a copy of
your results emailed to you?

Yes
No

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 FundNew
Conservative KiwiSaver Conservative Fund
Balanced KiwiSaver Moderate FundNew
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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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:

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.

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Next >

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 additional information, or would like to discuss your result, please contact info@milfordasset.com or call on 0800 662 346.

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