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Get ready to discover what sort of investor you are

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
  • How those decisions may influence the way you invest your super.

The investor quiz is not a substitute for professional advice

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.

Types of investors

Conservative

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.

Moderate

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.

Balanced

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.

Growth

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.

What if I don't fit these categories?

These are examples of possible investor needs. They help guide you when choosing investment options. Explore the results for different responses to our risk profile questionnaire. Different types of investors have different needs so if you're not sure, it could help to get financial advice.

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Time to change how you invest in super?

Our range of investment options suit different risk profiles and retirement goals. Take your pick!

Compare your options

What is a risk profile?

A risk profile sums up how you feel about taking risks and the level of risk you're willing to take when you invest in super. It also includes how much risk you can afford to take.

Risk can cover a few things, including the possibility that your investments:

  • Go up and down in value

  • Get a negative return

  • Get returns that are less than you expect over a set timeframe

  • Underperform against an index or benchmark.

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Is the risk worth the return? Knowing whether you'd prefer to get a higher return back on your super or have a lower chance of losing money is called your risk tolerance.


FAQs about your risk profile

Learn more in our podcast on how to choose your super investments.

Learning how you feel about risk, and how risky you can afford to be, could lead to better investment decisions. Most financial advisers use risk profiling to guide the advice they give you.

So, understanding your risk profile could make quite a change to how much money you have when you retire.

It could be the difference between having the lifestyle you want in retirement and not. So, it's important to think carefully when choosing investment options.

  • Investing in the higher-risk options in your super has the potential for higher growth. But there's also more risk of a negative return. And you're likely to see more short-term ups and downs.
  • On the other hand, lower-risk options are less likely to see negative returns and major variations in value. But they can often have potentially lower returns and growth over the long term.

It's easy to switch your investment options in Member Online or the Australian Retirement Trust app.

There's no cost for changing investments and you can invest in more than one option.

Ready for a change?

Now you know the type of investor you are, it's time to check that your investments suit your risk profile. Get on track to reach your goals.