Great masterminds don’t always think alike. It’s precisely why Australian Retirement Trust provides a range of investment options that you can choose from to invest your super in. The investor needs quiz is a guide to help you decide how you feel about risk and return, how you may like to plan for your goals and how those decisions may influence the way you invest your super.
It is a guide only and does not take into consideration your individual objectives, financial circumstances or needs. You should assess your own financial situation, taking into account your existing investments, commitments, investor needs and time horizon before making your investment decisions.
Your goal is likely to be focused on the security of your investment. You are prepared to give up the potential for higher returns over the long term, for the comfort of less volatility.
Your goal is likely to be focused on generating wealth over the medium to long term, while maintaining some protection from the fluctuation of returns in the short term.
Your goal is likely to be focused on producing returns which are well ahead of inflation over the longer term. You understand that this may mean that the value of your investment may fall in the short term.
Your goal is likely to be focused on producing returns which are significantly ahead of inflation over the long term. You understand that this may mean that the value of your investment may have large falls in the short term.
Even 1% extra investment return each year over 35 years could increase your retirement benefit by over 20%. Making a change to increase the level of growth assets in your super can also increase the volatility of your fund. Everyone’s situation is different and you may need some advice. The investor needs categories are examples only of possible investor needs.
There are many factors that impact on personal circumstances that should be considered before making investment decisions. Explore the outcomes for different responses to these questions. Your answers will have corresponded to one of four investor needs categories which provide a guide as to which investment option(s) you may select.
If you’re an Australian Retirement Trust member, you can find out how your super is invested or make a choice to switch your investment options by logging into Member Online or through the Australian Retirement Trust app.
