Consider your personal and financial goals. When do you expect to retire?

Less than one year

1 to 3 years

3 to 7 years

More than 7 years

Given that seeking higher investment returns usually also involves a higher level of investment risk, how important is it that you maximise your return over the long term?

Not important

Important

Very important

Have you ever invested in shares, Government bonds or managed funds; that is, investments where the value can rise and fall?

No, but if I had, the rises and falls in value would make me uncomfortable.

Yes I have, but I was uncomfortable with the rises and falls in value, despite the potential for higher returns over the longer term.

No, but if I had, I would be comfortable with the rises and falls in value in order to achieve the potential for higher return over the longer term.

Yes I have, and I felt comfortable with the rises and falls in value in order to achieve the potential for higher returns over the longer term.

How would you react if one year your long-term investments delivered a low or negative return?

I can't accept any decrease in the value of my investments.

I generally invest for the longer term, but I would be concerned with the low return.

If my wages/salary didn't change, I would not be too concerned about the value of my investments decreasing in the short term.

I invest for the longer term and would accept this as a normal short-term fall.

Which of the following risk/return options would you be most likely to invest $10,000 in, understanding that every year would bring fluctuations in returns?

Low risk - expect an average return of 4.5% per annum over 10 years.

Moderate risk - expect an average return of 6% per annum over 10 years with the chance of one negative return year in 10 years.

Above average risk - expect an average return of 7.5% per annum over 10 years with the chance of two negative return years in 10 years.

High risk - expect an average return of 9% per annum over 10 years with the chance of three negative return years in 10 years.