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

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

In the next 2 years In the next 3 to 4 years In more than 5 years I will not be withdrawing my KiwiSaver to make a 1st home purchase

Question 1 of 4

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

Less than 3 years 3-4 years 5-6 years 7-9 years 10 years or more

Question 2 of 4

When I hear ‘risk’ related to my KiwiSaver investment…

I worry about losing my money I understand that it’s part of investing I see an opportunity for better returns

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?

A drop of 5% or less ($0 - $1,000) A drop of 5% - 10% ($1,000 - $2,000) A drop of 10% - 20% ($2,000 - $4,000) A drop of 20% or more ($4,000 or more)

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:

Take on a little risk Take on some risk Take on more risk

First Name

Last Name

Email Address Please enter a valid email address.

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Your risk profile is Conservative

Defensive

Conservative

Balanced

Growth

Aggressive

The risk profile name does not necessarily reflect or relate to the Milford funds available for you to invest in. We recommend you read our Product Disclosure Statement and review all our funds to determine the best fund or funds for you. If you need help choosing, please see our digital advice tool here.

Milford Funds

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.

For more information about the risk profiles for each of the Milford Funds, please see our Product Disclosure Statement.

Milford KiwiSaver Funds
KiwiSaver Cash Fund
KiwiSaver Conservative Fund
KiwiSaver Moderate Fund
KiwiSaver Balanced Fund
KiwiSaver Active Growth Fund
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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Age
Risk tolerance
Investment decisions
Investment experience

Question 1 of 4

I plan to begin withdrawing money from my investment in:

Less than 3 years 3-4 years 5-6 years 7-9 years 10 years or more

Question 2 of 4

When I hear "risk" related to my investment…

I worry about losing my money I understand that it’s part of investing I see an opportunity for better returns

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?

A drop of 5% or less ($0 - $1,000) A drop of 5% - 10% ($1,000 - $2,000) A drop of 10% - 20% ($2,000 - $4,000) A drop of 20% or more ($4,000 or more)

Question 4 of 4

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:

Take on a little risk Take on some risk Take on more risk

First Name

Last Name

Email Address Please enter a valid email address.

Your risk profile is Growth

Defensive

Conservative

Balanced

Growth

Aggressive

Milford Funds

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.

For more information about the risk profiles for each of the Milford Funds, please see our Product Disclosure Statement.

Milford Investment Funds
Cash Fund
Conservative Fund
Diversified Income Fund
Balanced Fund
Active Growth Fund
Australian Absolute Growth Fund
Global Equity Fund
Trans-Tasman Equity Fund
Aggressive FundNew

Risk versus time

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Funds and Performance

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Discover

Your risk profile

Investor Profile Questionnaire

Which funds are you interested in?

Milford KiwiSaver Plan

Milford Investment 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:

Your risk profile is Conservative

Milford Funds

Risk versus time

Question 1 of 4

I plan to begin withdrawing money from my investment in:

Question 2 of 4

When I hear "risk" related to my 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 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

Milford Funds

Risk versus time

Funds and Performance

Ready to invest?

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