what's your risk profile?

what's your risk profile?

Answer a few questions to find out - it should only take 5 minutes to complete.

Are you working, retired or in transition to retirement (TTR)?

When you retire, do you plan to use your super to pay off any significant loans (like a mortgage or car loan) or make any large purchases (like a caravan or a house out of town)?

When will that be?

How old are you?

Which of the following questions best describes your income?

How healthy is your household budget?

How dependent are others on your income and savings?

If you could increase your chances of having more in your super at retirement by taking more risk, would you?

Imagine you had to choose between two investments. Which one would you choose?

Suppose there's a big change in the economy and you find your super balance has fallen by 20 per cent. What would you do?

Environmental, social and governance factors may be very important to you. If you'd like to understand the options to make your super investments even more socially and environmentally aware, as well as any risks involved, please click 'Yes' to make a time to speak with a HESTA super adviser.

If you click ‘Yes’, you won’t get a result from the risk profiler. Your risk profile can be matched to your needs by a HESTA super adviser.

HESTA works hard to keep the cost of managing your super down. If this is very important to you, and you'd like to understand how to reduce your costs even more, please click 'Yes' to make a time to speak with one of our super advisers to understand more about our indexed option.

If you click ‘Yes’, you won’t get a result from the risk profiler. Your risk profile can be matched to your needs by a HESTA super adviser.

Very cautious

You prefer to experience very little investment volatility.

  • You're prepared that your investments may experience very little growth.
  • As a trade-off, the value of your investments will be relatively stable over time.
  • You will be invested in defensive assets.
  • Your minimum investment timeframe is less than 1 year.

Next step:

Book a time to chat with our advice team to learn more about your attitude to risk and how to invest your super. 

Book now

 

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Cautious

You prefer to experience a small amount of investment volatility.

  • You are prepared that your investments may experience small growth.
  • As a trade-off, the value of your investments will be relatively stable over time. 
  • You will mostly be invested in defensive assets. 
  • Your minimum investment timeframe is 1 to 3 years.

Next step:

Book a time to chat with our advice team to learn more about your attitude to risk and how to invest your super. 

Book now

 

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Moderate

You're comfortable to experience a moderate amount of volatility.

  • You're comfortable that your investments may partially rise or fall in value at any point in time.
  • Your investments will be split roughly evenly between defensive and growth assets.
  • Your minimum investment timeframe is 3 to 5 years.

Next step:

Book a time to chat with our advice team to learn more about your attitude to risk and how to invest your super. 

Book now

 

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Ambitious

You're comfortable to experience volatility.

  • You recognise that volatility and long-term growth are mutual.
  • You are comfortable that your investments may rise or fall in value at any point in time. 
  • You will be mostly invested in growth assets.
  • Your minimum investment timeframe is 5 to 7 years. 

Next step:

Book a time to chat with our advice team to learn more about your attitude to risk and how to invest your super. 

Book now

 

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Very ambitious

You're comfortable to experience relatively higher volatility.

  • You recognise that volatility and long-term growth are mutual.
  • You're comfortable that your investments may significantly rise or fall in value at any point in time.
  • You will be substantially invested in growth assets.
  • Your minimum investment timeframe is 7 to 10 years. 

Next step:

Book a time to chat with our advice team to learn more about your attitude to risk and how to invest your super. 

Book now

 

Retake quiz

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Next steps

It looks like we'll need to understand a little more about your attitude to risk before we can match your risk profile. 

Book a time to chat with our advice team to learn more about your attitude to risk, how you can invest your super and much more.

 

Book now