The Smartsave Blended Series portfolios include various levels of diversification and therefore offer you different risk/return opportunities.

Your financial adviser will be able to fully assess your needs and advise on a portfolio that specifically suits you. However, you may wish to consider this quick survey to determine which might be suitable.

Important Disclaimer: This calculator is a simulation only and is based solely on the selections you choose, it does not take into account many factors which may be important and may be unique to each individual case. The results that are produced should NOT be taken as specific advice.

Select the answer that best suits your situation.

Client details

Question 1

Why are you investing?

	To receive an income now
	To achieve my goals which are up to 3 years away.
	To achieve my goals over a 3 to 5 year period.
	To grow my investment over the long-term, which is more than 5 years

Question 2

How important is receiving an income from your investments?

	Necessary, and must be the same amount each month.
	Necessary, but I'm willing to accept some fluctuation in the amount.
	Important, but growing my capital is also an important factor.
	Not important, because growth of my capital is my primary goal.

Question 3

How important is the growth of capital in your investments?

	Not important, because receiving an income is my primary goal.
	Important, but income is also an important factor.
	Necessary, but some measures should be taken to control risk.
	Necessary, and it should be as high as possible.

Question 4

Pick the description which you feel best describes your understanding of investment markets.

	I am not familiar with investment markets, or have little interest in their workings.
	I am familiar with the concept of diversification and understand its importance in order to spread the risk of one investment underperforming at any given time.
	I understand that different markets produce varying levels of income, growth and taxation implications and that returns may fluctuate.
	I am an experienced investor who has exposure to many different investments and am aware of the factors that may influence investment performance.

Question 5

This table shows examples of annual returns from four different portfolios over a five year period. Choose the portfolio which best sums up your expectations from your money.

Question 6

If your investments were to decline in value by 15% how would you react?

	I would not have invested in this investment if I knew it had the risk of falling like this.
	I would protect the current value of my investment by transferring to a more secure option.
	I would adopt a 'wait and see' approach, but I would still be concerned about what is happening in the short-term.
	I am investing for long-term growth, so I am not concerned about day to day changes in my investment. I would probably invest more in the current market to take advantage of lower average investment prices.

Question 7

Which one of the following statements describes your feelings towards choosing an investment?

	I would select investments that have a low degree of risk associated with them.
	I prefer to diversify with a mix of investments that have an emphasis on low risk. I am happy to have a small portion invested in assets that have a higher degree of risk in order to achieve a slightly higher return.
	I prefer to diversify my investment with an emphasis on those investments that have higher returns, but still having a small amount of low risk investments.
	I would only select high-growth investments so that I can earn higher long-term returns. I am happy to accept a short-term negative return.

Question 8

How concerned are you that the earnings on your investment will exceed the rate of inflation?

	Not concerned.
	Slightly concerned.
	Moderately concerned.
	Highly concerned.