Investment risk profiler

This calculator can help you understand what type of investor you are when it comes to investing your super and your attitude towards investment risk.

The way your super is invested can make a huge difference to how much money you have in retirement. And when you invest in super, there will always be some element of investment risk.

By answering 8 simple questions, you’ll get an idea of how much risk you are comfortable taking when investing your super. This can help you choose an investment strategy for your super.

Understanding your tolerance to investment risk is important, but there are other factors to also consider including your retirement goals and how long you have to achieve them. So it’s a good idea to regularly review your objectives and investment strategy as your life changes.

Important note

This calculator doesn’t take into account your personal financial situation, individual needs or other factors which may be relevant. Please read this calculator’s disclaimer and assumptions, which detail the assumptions and limitations of this calculator.

Let's get started

Investment goals

Identifying your retirement goals and income needs, as well as how long you have to fulfil them, is important when choosing an investment strategy for your super.

Market volatility

It is the nature of markets to rise and fall. They periodically go through volatile cycles, both positive and negative, and it can be very hard to determine when these cycles will come to an end.

Negative returns

In the short term, your super balance may go backwards with negative returns. The decisions you make based on short-term market movements can affect your long-term investment goals.

Risk versus return

When choosing an investment strategy for your super, it’s important to understand the relationship between risk and return. Usually an investment strategy that aims to achieve higher long-term returns may have a higher likelihood of negative returns in the short term.

Question 1

My main goal is to get a high return in the long term, so it doesn’t bother me if the value of my super falls for a year or more.

Please select one of the options

Question 2

Earning enough on my super to stay well ahead of inflation over the long term is very important to me.

Please select one of the options

Question 3

If my super reported negative results for the year I would definitely be upset.

Please select one of the options

Question 4

If my super was going up and down a lot in value from month to month or year to year I would be very concerned.

Please select one of the options

Question 5

If the sharemarket dropped significantly tomorrow, I’d take my losses and pull any amount of super I had out of shares.

Please select one of the options

Question 6

If the sharemarket dropped tomorrow, I’d keep investing my super that was in shares because they'll eventually go back up.

Please select one of the options

Question 7

If I had spare money to invest for my retirement, I would be more comfortable putting it in a bank account than the sharemarket.

Please select one of the options

Question 8

My main goal is to protect my retirement savings. I’m more concerned about losing what I already have than earning higher returns.

Please select one of the options

Based on your responses, your tolerance towards risk is: Medium to high

What type of superannuation investor are you?

Tap another risk level in the scale below to see different investor profiles.

Very low to low Your result

Click on another section in the risk scale to see different investor profiles.

What type of superannuation investor are you? If you had a risk profile of very low to low

Investment goals

You want to preserve the capital value of the super you have built up and protect your balance from any losses.

Dealing with market volatility

You’re generally not prepared to accept negative returns.

Return versus risk

You generally choose an investment option that includes a very high proportion of risk-controlling assets. These types of investments are lower risk by nature, such as cash and fixed interest.

Timeframe for investing

You usually have short or very short investment timeframes.

Low to medium Your result

Click on another section in the risk scale to see different investor profiles.

What type of superannuation investor are you? If you had a risk profile of low to medium

Investment goals

You’re seeking modest returns for your super over time and are fairly averse to any significant fluctuations over the short term.

Dealing with market volatility

You want to limit the extent of possible capital losses to your super from negative returns in the short term.

Return versus risk

You generally choose an investment option that includes more risk-controlling assets (such as cash and fixed interest) than return-seeking assets (such as shares and property). Risk-controlling assets are lower risk by nature, and generally result in lower long-term returns than return-seeking assets.

Timeframe for investing

You usually have short to medium investment timeframes.

Medium Your result

Click on another section in the risk scale to see different investor profiles.

What type of superannuation investor are you? If you had a risk profile of medium

Investment goals

You’re seeking a balance between higher returns for your super over a period of time and possible short-term losses arising from some lower or negative returns.

Dealing with market volatility

You’re prepared for some short-term losses arising from lower returns.

Return versus risk

You generally choose an investment option that includes a fairly equal combination of return-seeking assets (such as shares and property) and risk-controlling assets (such as cash and fixed interest).

Timeframe for investing

You usually have medium investment timeframes of at least 4 years.

Medium to high Your result

Click on another section in the risk scale to see different investor profiles.

What type of superannuation investor are you? If you had a risk profile of medium to high

Investment goals

You’re seeking higher returns from your super and are prepared to accept fluctuations in returns.

Dealing with market volatility

You’re prepared for possible short-term losses to your super balance arising from lower or negative returns.

Return versus risk

You generally choose investment options for your super that include more return-seeking assets (such as shares and property) than risk-controlling assets (such as cash and fixed interest). Return-seeking assets generally achieve higher investment returns over long periods but have a greater chance of negative returns over short periods.

Timeframe for investing

You usually have medium to long investment timeframes.

High to very high Your result

Click on another section in the risk scale to see different investor profiles.

What type of superannuation investor are you? If you had a risk profile of high to very high

Investment goals

You’re seeking to maximise returns from your super over the long term.

Dealing with market volatility

You’re prepared to accept lower or negative returns in the short term for the chance to increase your long term returns.

Return versus risk

You generally choose an investment option that includes a high proportion of return-seeking assets such as shares and property. Return-seeking assets generally achieve higher investment returns over long periods but have a greater chance of negative returns over short periods.

Timeframe for investing

You usually have longer investment timeframes of at least 7 years.

Doesn’t sound like you?

Explore other investor profiles by clicking on different risk levels in the scale above.

Explore your options

The way your super is invested can make a huge difference to the amount of money you have in retirement. Explore our website to learn more about your options for investing your super.

Learn more

Talk to LGIAsuper

We can help you explore your investment options so you can make an informed decision about how to invest your super. Request a call back from one of LGIAsuper’s trusted and reliable team members.

Get in touch