Q1.
What is the main objective of this investment? Capital preservation I cannot afford losses. Cautious growth Some growth, capital preservation important. Balanced growth Mix of growth and stability. Strong growth I can accept some ups and downs. Maximum growth Comfortable with significant volatility.
Q2.
How long before you need most of this money? Less than 3 years Short-term goal. 3 – 5 years Medium-term. 5 – 7 years Moderate horizon. 7 – 10 years Long-term. More than 10 years Very long-term.
Q3.
How would you describe your investment knowledge? Very limited I know very little. Basic Bank savings & fixed deposits. Moderate Basic market-linked funds. Good Shares, bonds, diversification. Advanced I actively follow investments.
Q4.
If this investment lost 20% in a year, how would it affect you? Severe impact Seriously jeopardise finances. Major discomfort I may struggle. Manageable I'd feel it but be okay. Unpleasant Unpleasant but manageable. Low impact Would not affect my security.
Q5.
How stable is your income? Very unstable Irregular / not guaranteed. Somewhat unstable Large variable component. Reasonably stable Mostly steady. Stable Predictable employment. Very stable Secure long-term income.
Q6.
Do you have an emergency fund separate from this investment? No emergency fund I rely on this money. Less than 1 month Limited cash buffer. 1 – 3 months Basic emergency fund. 3 – 6 months Comfortable buffer. More than 6 months Very strong liquidity.
Q7.
How do you feel about short-term ups and downs? Very uncomfortable No negative months. Cautious Small negatives acceptable. Accepting Occasional negatives fine. Comfortable Frequent ups and downs okay. Unconcerned Volatility doesn't worry me.
Q8.
R100,000 drops to R80,000 in 6 months. What do you do? Sell everything Can't tolerate the loss. Reduce exposure Move part to safer assets. Do nothing Wait for recovery. Add a bit extra Buy the dip. Invest more aggressively Maximise at lower prices.
Q9.
How important is short-notice access to this money? Very important May need quick access. Quite important May need a portion soon. Somewhat important Okay with moderate restrictions. Not very important Can leave invested. Not important Don't foresee needing access.
Q10.
Preference for guarantees vs potential growth? Full guarantees Capital protection above growth. Mostly guarantees Small growth portion acceptable. Mix of both Guaranteed & market-linked. Mostly growth Market-linked, no guarantees. Maximum growth Full growth-asset exposure.
Answer all 10 questions to see your risk profile.
