Risk profiler

Knowing how much risk you’re comfortable with helps you make more confident investment choices. Our Risk Profiler Tool gives you a clear view of your overall risk appetite.


Investing isn’t one‑size‑fits‑all. Different investment options, and the timeframes you choose, come with different levels of risk. In simple terms, taking on more risk can mean higher potential returns. But it also means your investment value may rise and fall along the way.

No. This tool is for educational purposes only and does not provide financial advice, recommendations or opinions. You should consider your personal financial circumstances, needs and objectives, and seek professional advice if required before making any investment decisions.

Your results place you into one of several risk profiles (for example: Defensive, Conservative, Moderate, Growth or High Growth). Each profile reflects how much investment risk you may be comfortable taking, balanced against your potential return expectations and tolerance for market fluctuations.

Each risk profile is associated with a suggested minimum investment period, reflecting how long you may need to stay invested to manage short-term volatility:


• Defensive: no minimum
• Conservative: at least 3 years
• Moderate: at least 5 years
• Growth: at least 5 years
• High Growth: at least 7 years 


Longer timeframes generally allow more opportunity for higher-growth investments to recover from market ups and downs. Use our funds and performance tool to find out more about our investment options.

Higher-risk profiles (such as Growth and High Growth) aim for higher long-term returns but can experience more frequent negative returns in the short term. Lower-risk profiles (such as Defensive or Conservative) focus on reducing volatility but typically have lower expected returns.



All investment types can experience periods of negative returns due to market fluctuations.

Your risk profile is a starting point to help guide your thinking about investments. You can use it to better understand how comfortable you may be with risk and to explore investment options that align with your preferences, but it should not be the sole basis for your decisions.