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RISK PROFILE (N/A for insurance product advice)
在多少年里你打算怎么使用你的投资养老基金
In how many years do you plan to use your investment/superannuation funds?
(a) Parking (Less than a year)
(b) Short Term (1-2 years)
(c) Medium Term (2-5 years)
(d) Long term (5-7 years)
Inflation erodes the value of your savings. Growth investing can counter the eroding effect on inflation but also expose you to the risk of short -term losses.
(a) Inflation may erode my savings but I have no tolerance for loss
(b) I am conscious of the risk inflation presents, but would prefer a middle ground that limits losses
(c) I am comfortable with this trade off to beat inflation
你对投资市场有多少了解？
How familiar are you with investment markets? http://www.ukassignment.org/azdxassignment/
(a) Very little understanding or interest
(b) Not very familiar
(c) Have enough experience to understand the importance of diversification
(d) Understand that markets fluctuate and that different market sectors offer different income, growth
and taxation characteristics
What is the most aggressive investment you have made or likely to make?
(a) Cash management trust
(b) Own home
(c) Investment property
(d) Managed funds
(e) Shares, technology fund, smaller companies fund
What would your reaction be, if six months after placing your investment you discover that, in line with what is happening in the financial markets generally, your portfolio has decreased in
value by 20%?
(a) Horror, security of your capital is critical and you did not intend to take risks
(b) You would cut your losses and transfer your funds into more secure investment sectors
(c) You would be concerned, but would wait to see if the investments improve
(d) This was a calculated risk and you would leave the investments in place, expecting future growth
Income Requirements:
(a) Maximum possible income is required
(b) Substantial income is required with some capital growth
(c) Income is required however capital growth is equally important
(d) A small amount of income is required but mainly capital growth
(e) The focus should be on capital growth with income reinvested
Liquidity Requirements
(a) Easy access to invested funds is required at all times
(b) The ability to access the majority of investments at short notice is required
(c) A reasonable level of invested funds should be accessible at short notice
(d) Only a small proportion of invested funds needs to be readily accessible
(e) There is no need to maintain easy access to invested fund
In relation to tax Benefits from investments, what is your most comfortable mix?
(a) You seek guaranteed returns before tax savings
(b) You prefer stable and consistent returns even if it means minimal tax savings
(c) You will accept some variability in investment returns and tax savings
(d) You prefer a potentially higher return producing maximum tax savings even though this means
higher volatility and risk
To what extent are you concerned about preservation of your capital?
(a) Security of capital is required regardless of potential returns
(b) A small degree of risk would be acceptable for a slight increase in potential returns
(c) A moderate degree of risk would be acceptable given the potential for increased returns
(d) Volatility in investment values is acceptable given longer term capital growth objectives
(e) Maximising potential returns is preferred regardless of risk
INVESTOR PROFILE
Defensive
若你是一个保守型的投资者的话,那么你承担的风险要比较低才可以,这样也使得你接受较低的回报率以保障自己资本的安全.税收和通胀带来的负面影响不会影响到你,只要你的投资资本受到保护.
You are a Defensive investor. Risk must be very low and you are prepared to accept lower returns to protect capital. The negative effects of tax and inflation will not concern you, provided your initial investment is protected.
Moderate
你是一个温和的投资者寻求比基本更好的回报，要求风险低。通常一个年长的投资者寻求保护，你已经积累了财富，你会考虑投资风险较小的投资。
You are a Moderate Investor seeking better than basic returns, but risk must be low. Typically an older investor seeking to protect the wealth which you have accumulated, you may be prepared to consider less aggressive growth
investments.
Balanced
你是增长的投资者，从投资基金资本上可能会为你赚取足够的收入。这同时也会让你准备接受更高的波动性和适度的风险，你最关心的是积累资产中长期。你的投资组合可能包括更积极的投资策略。
You are a Balanced investor who wants a balanced portfolio to work towards medium to long term financial goals. You require an investment strategy which will cope with the effects of tax and inflation. Calculated risks will be
acceptable to you to achieve good returns.
Growth
你是一个会权衡资产投资组合的潜在型的期待高回报率的成长型投资者,你选择的投资可以多种多样,但是都有着较高的风险,所以你资产的证券化是你积累财富的主要手段.
You are Growth investor, probably earning sufficient income to invest most funds for capital growth. Prepared to accept higher volatility and moderate risks, your primary concern is to accumulate assets over the medium to long
term. Your portfolio may include more aggressive investments.
High Growth
You are a High Growth investor prepared to compromise portfolio balance to pursue potentially greater long-term returns. Your investment choices are diverse, but carry with them a higher level of risk. Security of capital is
secondary to the potential for wealth accumulation.
Based on the above questions I would recommend the following risk profile:
If the client does not agree with this risk profile, please indicate what they have requested
ADVISER NOTES
1、Clients have advised that they are concerned about the low rental return on their investment property but are reasonably happy with the capital growth, especially that it has maintained its
value in the recent sharemarket slide. They would be happy to sell the investment property if there was a better way to invest for their retirement.
2、Clients are not happy with their superannuation and have had no advice on the investments in their super.
3、Louise’s mother has passed away and she will receive her inheritance of $100,000 in the next
month.
4、The clients plan to stay in their current home, which has recently been renovated and retain their holiday home for family holidays.
5、The clients have had some experience investing but have not previously had help with their financial planning.
6、Kevin is self employed as such he doesn’t receive super from an employer
阅读并承认客户的有效信息
IMPORTANT INFORMATION TO BE READ AND ACKNOWLEDGED BY CLIENT(S)
客户确认，税号授权和客户声明
CLIENT ACKNOWLEDGEMENT, TAX FILE NUMBER AUTHORISATION AND CLIENT DECLARATION
客户确认
CLIENT ACKNOWLEDGEMENT
我们确认收到了一份被AFS许可的金融服务指南。
I/We acknowledge that I/we have received a copy of a Financial Services Guide of the AFS licensee.
TAX FILE NUMBER AUTHORISATION
(Complete TFN Authorisation if a record of client’s tax file number is required and will be retained – cross out if not applicable).
I/we give permission for the Representative of the licensee to retain my/our tax file number(s) on my/our personal
Client File and to disclose this information, as necessary, to other Financial Institutions with which I/we choose to
do business.
I/we understand this is the only purpose for which my/our Tax File Number(s) will be used. I/We also give
permission for the Representative of the licensee to retain a copy of my/our tax returns on file if needed.
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