Understanding Your Capacity for Loss

  • Within the first 5 years.Between 5 and 10 years.More than 10 years.
  • It will cause a significant impact. I cannot afford for this to happen and I would struggle financially.It would cause me to re-assess my standard of living and I might have to make some cut-backs.Little if any affect as I have alternative income and/or assets to maintain my lifestyle.
  • I’d have no alternative – I would definitely need to access this investment.I might consider taking funds from this investment if absolutely necessary.No. I have sufficient other savings / assets that I can access in an emergency
  • NoneVery little spare income. Any increase in monthly spending would affect my standard of living.Some spare income. Any increase in monthly spending could affect my standard of living.A reasonable amount. Any increase in monthly spending is unlikely to affect my standard of living.significant. Any increase in monthly spending is would not affect my standard of living.
  • NoneLow short term debt or long term debt.Low short term debt and long term debt.Moderate short term debt or long term debt.Moderate short term debt and long term debt.High short term debt or long term debt.High short term debt and long term debt.
  • I am expecting a big increase to my spending (mortgage / loan / school fees etc )I am expecting a small increase to my spending (mortgage / loan / school fees etc)I do not expect any change to my spendingI am expecting a small decrease to my spending (mortgage / loan repaid, school fees finish etc)I am expecting a big decrease to my spending (mortgage / loan repaid, school fees finish etc)
  • I strongly agree with this statementI agree with this statementI somewhat agree with this statementIn between – I agree and disagree equally with this statementI somewhat disagree with this statementI disagree with this statementI strongly disagree with this statement
  • YesNo
  • I strongly agree with this statementI agree with this statementI somewhat agree with this statementIn between – I agree and disagree equally with this statementI somewhat disagree with this statementI disagree with this statementI strongly disagree with this statement
  • None1 person2 people3 people4 or more people
  • A) I cannot afford to lose any of my investment. I appreciate that if I take no risk inflation may reduce the real buying power of my money over time but any loss would have a major impact on my standard of living.B) I can afford to lose only a very small amount of my investment and if this was to happen I would still be able to maintain my standard of living. I am prepared to move away from cash and accept some investment risk in return for potential growth over that offered by cash. I understand that investments can go up and down in value and I may get back less than I invested.C) I can afford to lose a small amount of my investment and if this was to happen I would still be able to maintain my standard of living. I am prepared to invest in a wider range of asset types, including shares. I understand that this may mean the value of my money may go up or down and that I may get back less than I invested.D) I can afford to lose a moderate amount of my investment and if this was to happen I would still be able to maintain my standard of living. I am looking to balance risk and reward with the potential for higher returns over the longer term. I understand that this may mean the value of my money may go up or down and that I may get back less than I invested.E) I can afford to lose a large amount of my investment and if this was to happen I would still be able to maintain my standard of living. I am prepared to accept a higher level of risk with my money for the potential of higher returns in the longer term. I am more likely to experience significant fluctuations in the value of my money from time to time.F) I can afford to lose most of my investment and if this was to happen I would still be able to maintain my standard of living. I am prepared to take a very high level of risk for the potential of very high returns over the longer term. I understand that there may be very significant day to day fluctuations in the value of my investment.G) I can afford to lose all of my investment and if this was to happen I would still be able to maintain my standard of living. I am an experienced investor with a good understanding of the risk & reward trade off. I understand that the value of my investment may be extremely volatile with very significant day to day fluctuations in the value of my investment.
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