Risk Calculator

Risk Profiler

Investors usually want the highest possible investment return. Returns are only one element when considering which investment product is best suited to your needs. Other important issues to consider are how comfortable you are with the value of your investment fluctuating, whether you need a regular income from your investment, how long you will be investing and whether you want to preserve or grow the value of your investment.

The Risk Profiling Tool below will assist you in identifying what level of investment risk (fluctuations in value of investments) you are comfortable with. Over time your risk profile changes and should be reviewed periodically.

  • Longer than 8 years (Retirement)

    Between 8 and 5 years

    Between 5 and 3 years

    Between 3 and 1 years

    Less than 1 year

  • Very healthy

    Above average health

    Average health

    Below average health

    Unhealthy

  • High

    Above average

    Average

    Below average

    Low

  • My income is unlikely to grow at all

    My income will grow at slightly less than inflation

    My income will grow with inflation

    My income will slighty outgrow inflation

    My income will comfortably outgrow inflation

  • Protect my capital

    Generate income from my capital

    To outperform long-term inflation

    Capital Appreciation

  • Less than half of my annual salary

    Between half and 1 times my annual salary

    Between 1 and 2 times my annual salary

    Between 2 and 5 times my annual salary

    More than 5 times my annual salary

  • I have very little understanding or interest

    I have just enough experience to understand some aspects of investment markets

    I understand that markets fluctuate and that different market sectors offer different income, growth and taxation characteristics

    I am experienced with all investment sectors and understand the various factors which influence portfolio performance

  • I have no experience with investments

    I have little experience with investments

    I have a few investments and some experience

    I have a good understanding of investments

    I am an expert and manage my own investments

  • Excited about the future investment opportunities

    Uneasy or uncomfortable

    Very nervous

    I have never experienced an investment fall in value

  • A guaranteed amount of R11 000

    Any amount between R10 000 - R12 000

    Any amount between R8 000 - R13 000

    Any amount between R5 000 - R16 000

    Any amount between R0 - R20 000

  • Very confident

    Confident

    Neutral

    Concerned

    Scared

  • Returns in line with inflation

    To achieve returns of inflation plus 3%

    To achieve returns of inflation plus 5%

    To achieve returns of inflation plus 7%

    To achieve returns of more than inflation plus 7%

Once you’ve filled in the details above, press ’Calculate‘
your result will appear here.

Based on the answers to the previous questions, you have been identified as:

Conservative

Conservative - Focussed on income generation and capital protection.

You want your investment to generate an income and you want your capital to be managed in a manner that does not expose it to fluctuations in value (some level of capital security). You are not too concerned about your investment keeping up with inflation. You do not want any capital loss over a 2 year period.

You want your investment to generate an income and you want your capital to be managed in a manner that does not expose it to fluctuations in value (some level of capital security). You are not too concerned about your investment keeping up with inflation. You do not want any capital loss over a 2 year period.

Disclaimer: The risk profiling tool has been developed to assist you in identifying what level of investment risk you are comfortable with. Based on the type of investment risk you are comfortable with, investment products that most closely match your characteristics will be shown. The decision you make will be yours alone and you will carry full responsibility thereafter. If you feel you need advice we strongly recommend that you obtain the services of a qualified financial advisor.