Investment Suitability Guide

Your Investment Suitability Guide

No two investors are alike, so before we begin working with you it's important that we understand:

  • your investment timeframes
  • your market knowledge and experience, and
  • your appetite for risk.

The following Investment Suitability Guide helps you to identify with these key factors, so when we offer you investment opportunities, you will be able to make informed investment decisions.

The guide also gives us an indication of how involved you'd like us to be in your wealth management decisions, and will help us deliver a level of service that's just right for you.

The accuracy of your answers is important, so if there's any question you're unsure about please contact your ANZ Private Banker directly. They'll be happy to clarify things for you.

What we do with the information

The information is being collected to help ANZ, including your advisors within ANZ, to understand more about you and your requirements, including the products and services that you may be interested in and how you wish to engage with us.

The information will be collected and stored in accordance with ANZ's Privacy Policy, a copy of which should have been provided to you, or is available at www.anz.com or by request from your ANZ Private Representative at any time.

You will be sent an email with a detailed summary of the insights from your Investment Suitability Guide.

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Please note: This Investment Suitability Guide is a tool to help you assess your willingness and ability to take risk. An understanding of your personal suitability profile and tolerance for risk is not a substitute for investment advice based on your individual circumstances and needs. It is only one aspect of your circumstances that is taken into account when providing investment insights and advising you. Please contact us if the above characteristics are incorrect or do not reflect your current position.

The information provided is general in nature only, based upon the information that you have provided, it does not constitute advice. You should not rely on these results alone, and ANZ recommends that you seek professional advice based on all of your personal circumstances prior to making investment decisions.

  • 1. Generally, investments with higher potential returns also carry higher risk. What degree of risk are you currently prepared to take with your financial decisions?
  • 2. How would you react if your investment portfolio declined by 20% due to market volatility?
  • 3. Would you consider putting any amount into a high-risk, complex investment?
  • 4. Financial uncertainty makes me uneasy, anxious or stressed.
  • 5. Maximising long-term investment growth is my goal and I would be willing to accept dramatic, short-term drops in value to achieve this.
  • 6. What is your anticipated investment timeframe for your entire investment portfolio?
  • 7. How reliant are you on your investment portfolio to generate an income to support your current lifestyle needs?
  • 8. Is it likely that you will need to withdraw a significant amount of money from your investment portfolio?
  • 9. How do you currently invest?
  • 10. What role do you envisage a trusted advisor playing in your wealth strategy? Maximum of two selections.
  • 11. What is your level of confidence in your ability to make a good investment decision?
  • 12. Do you consider yourself an experienced market investor and understand financial and investment terms without difficulty? (for example: commercial bill, foreign exchange option, complex swap etc)
13. From the list below, please select the level of previous experience that you have with these investment types:
    • No Experience
      (A)

    • Some Experience
      (B)

    • Extremely Experienced
      (C)

  • i. Term Deposits
  • ii. Direct Fixed Income Securities
  • iii. Direct Equities
  • iv. Managed Funds
  • v. Direct Property
  • vi. Foreign Exchange
  • vii. Structured Products
  • viii. Derivatives
  • ix. Hedge Funds
  • 13A. Have your Structured Product investment outcomes met your expectations?
  • 13B. Have your Derivative investment outcomes met your expectations?
  • 13C. Have your Hedge Fund investment outcomes met your expectations?
  • 14. Do you hold any educational / professional qualifications relevant to finance / investment markets?
  • 15. Are you (or have you been) a financial service Professional?

Insights from your Investment Suitability Guide

Thank you for taking the time to complete the Investment Suitability Guide. In doing so, you've given us some valuable insights into your investment experience, priorities and preferences.

We have now gained a broad understanding of what kinds of investment opportunities could appeal to you. Moreover, you've given us a sense of how involved you'd like us to be in your investment decisions.

Your Risk Appetite and Market Knowledge and Experience

The responses you provided for risk appetite indicate that you're conservative when it comes to investment risk. As far as market knowledge and experience is concerned your responses indicate a medium level of experience and understanding.

A conservative risk appetite suggests you prefer keeping your capital safe and your funds accessible at all times.

What does this mean?

Conservative investors need easy access to their funds and / or to have a very secure income. Taxation and inflation protection aren't as important.

How does this affect my investment portfolio?

You want safety and stability, so your investment options are likely to be cash deposits, interest bearing accounts and similar products that offer ready access to your money.

Moderate market knowledge and experience suggests your background isn't in finance, or your role has limited exposure to financial markets.

You have investment experience and understand some of the influences on performance and volatility. You know some risk is necessary to achieve long-term capital growth, however this has been limited to retail managed funds or ASX listed equities and not complex investments such as structured products and derivatives.

The responses you provided for risk appetite indicate that you're conservative when it comes to investment risk. As far as market knowledge and experience is concerned your responses indicate a high level of experience and understanding.

A conservative risk appetite suggests you prefer keeping your capital safe and your funds accessible at all times.

What does this mean?

Conservative investors need easy access to their funds and / or to have a very secure income. Taxation and inflation protection aren't as important.

How does this affect my investment portfolio?

You want safety and stability, so your investment options are likely to be cash deposits, interest bearing accounts and similar products that offer ready access to your money.

High market Knowledge and experience suggests you are a finance or investment professional and understand the influences on investment performance and volatility. You have proven experience with complex investments and use research and other investment information to make well-informed decisions.

The responses you provided for risk appetite indicate that you're moderately conservative when it comes to investment risk. As far as market knowledge and experience is concerned your responses indicate a medium level of experience and understanding.

A moderately conservative risk appetite suggests you are quite cautious with your investments. The opportunity for modest capital growth is important but you prefer investments designed to preserve more of your capital if markets fall.

What does this mean?

Moderately Conservative investors have an investment timeframe of one to three years and are prepared for small, short-term fluctuations in value or income. They generally have little or no experience of investment risk and prefer taking small risks to achieve modest or relatively stable returns.

How does this affect my investment portfolio?

You know that small amounts of risk may be necessary to achieve potential returns similar to or higher than cash deposits. You're willing to accept low risks for some capital growth potential.

Moderate market knowledge and experience suggests your background isn't in finance, or your role has limited exposure to financial markets.

You have investment experience and understand some of the influences on performance and volatility. You know some risk is necessary to achieve long-term capital growth, however this has been limited to retail managed funds or ASX listed equities and not complex investments such as structured products and derivatives.

The responses you provided for risk appetite indicate that you're moderately conservative when it comes to investment risk. As far as market knowledge and experience is concerned your responses indicate a high level of experience and understanding.

A moderately conservative risk appetite suggests you are quite cautious with your investments. The opportunity for modest capital growth is important but you prefer investments designed to preserve more of your capital if markets fall.

What does this mean?

Moderately Conservative investors have an investment timeframe of one to three years and are prepared for small, short-term fluctuations in value or income. They generally have little or no experience of investment risk and prefer taking small risks to achieve modest or relatively stable returns.

How does this affect my investment portfolio?

You know that small amounts of risk may be necessary to achieve potential returns similar to or higher than cash deposits. You're willing to accept low risks for some capital growth potential.

High market knowledge and experience suggests you are a finance or investment professional and understand the influences on investment performance and volatility. You have proven experience with complex investments and use research and other investment information to make well-informed decisions.

The responses you provided for risk appetite indicate that you're moderate when it comes to investment risk. As far as market knowledge and experience is concerned your responses indicate a medium level of experience and understanding.

A moderate risk appetite suggests you are prepared to accept frequent and sometimes significant fluctuations in capital and income value in order to increase your wealth in the long-run.

What does this mean?

Moderate investors generally have some market experience and understand the need to invest more of their portfolio in riskier investments to achieve higher potential returns. With an investment horizon of 3 to 5 years, they hold sufficient capital to cope with some downside or draw down to supplement income needs.

How does this affect my investment portfolio?

Your moderately high exposure to shares and other riskier investments means your money could fluctuate significantly in value. Your potential for long-term capital loss is great, even if you stay invested over a number of years.

Moderate market knowledge and experience suggests your background isn't in finance, or your role has limited exposure to financial markets.

You have investment experience and understand some of the influences on performance and volatility. You know some risk is necessary to achieve long-term capital growth, however this has been limited to retail managed funds or ASX listed equities and not complex investments such as structured products and derivatives.

The responses you provided for risk appetite indicate that you're moderate when it comes to investment risk. As far as market knowledge and experience is concerned your responses indicate a high level of experience and understanding.

A moderate risk appetite suggests you are prepared to accept frequent and sometimes significant fluctuations in capital and income value in order to increase your wealth in the long-run.

What does this mean?

Moderate investors generally have some market experience and understand the need to invest more of their portfolio in riskier investments to achieve higher potential returns. With an investment horizon of 3 to 5 years, they hold sufficient capital to cope with some downside or draw down to supplement income needs.

How does this affect my investment portfolio?

Your moderately high exposure to shares and other riskier investments means your money could fluctuate significantly in value. Your potential for long-term capital loss is great, even if you stay invested over a number of years.

High market knowledge and experience suggests you are a finance or investment professional and understand the influences on investment performance and volatility. You have proven experience with complex investments and use research and other investment information to make well-informed decisions.

The responses you provided for risk appetite indicate that you're moderately aggressive when it comes to investment risk. As far as market knowledge and experience is concerned your responses indicate a medium level of experience and understanding.

A moderately aggressive risk appetite suggests you aim for higher long-term investment returns and are relatively comfortable with investment markets and their inherent risks.

What does this mean?

Moderately Aggressive investors tend to focus on capital growth and tax effective wealth accumulation, with investment horizons of at least 5 to 7 years. Their investment experience tells them that significant capital fluctuations are likely, along with the risk of sustained periods of poorer performance.

How does this affect my investment portfolio?

High exposure to shares and other riskier investments means the value of your investment portfolio could fluctuate significantly. You'll accept some volatility in the medium term and understand that to achieve higher returns some of your capital may be at risk and take 5 years or more to recover.

Moderate market knowledge and experience suggests your background isn't in finance, or your role has limited exposure to financial markets.

You have investment experience and understand some of the influences on performance and volatility. You know some risk is necessary to achieve long-term capital growth, however this has been limited to retail managed funds or ASX listed equities and not complex investments such as structured products and derivatives.

The responses you provided for risk appetite indicate that you're moderately aggressive when it comes to investment risk. As far as market knowledge and experience is concerned your responses indicate a high level of experience and understanding.

A moderately aggressive risk appetite suggests you aim for higher long-term investment returns and are relatively comfortable with investment markets and their inherent risks.

What does this mean?

Moderately Aggressive investors tend to focus on capital growth and tax effective wealth accumulation, with investment horizons of at least 5 to 7 years. Their investment experience tells them that significant capital fluctuations are likely, along with the risk of sustained periods of poorer performance.

How does this affect my investment portfolio?

High exposure to shares and other riskier investments means the value of your investment portfolio could fluctuate significantly. You'll accept some volatility in the medium term and understand that to achieve higher returns some of your capital may be at risk and take 5 years or more to recover.

High market knowledge and experience suggests you are a finance or investment professional and understand the influences on investment performance and volatility. You have proven experience with complex investments and use research and other investment information to make well-informed decisions.

The responses you provided for risk appetite indicate that you're aggressive when it comes to investment risk. As far as market knowledge and experience is concerned your responses indicate a medium level of experience and understanding.

An aggressive risk appetite suggests you will accept very high levels of investment risk and complexity for the potential to achieve exceptional long-term returns.

What does this mean?

Aggressive investors don't need ongoing income and have investment horizons of seven years or longer. They are generally experienced market investors with a firm grasp of complex financial and investment terms. They know the value of any investment will fluctuate and that their capital is entirely at risk. However they may be prepared to invest additional sums during a downturn.

How does this affect my investment portfolio?

You know that high exposure to risky and complex investments means the value of your capital could fluctuate significantly in the long term. You may even lose all of your capital, or access to it, for many years.

Moderate market knowledge and experience suggests your background isn't in finance, or your role has limited exposure to financial markets.

You have investment experience and understand some of the influences on performance and volatility. You know some risk is necessary to achieve long-term capital growth, however this has been limited to retail managed funds or ASX listed equities and not complex investments such as structured products and derivatives.

The responses you provided for risk appetite indicate that you're aggressive when it comes to investment risk. As far as market knowledge and experience is concerned your responses indicate a high level of experience and understanding.

An aggressive risk appetite suggests you will accept very high levels of investment risk and complexity for the potential to achieve exceptional long-term returns.

What does this mean?

Aggressive investors don't need ongoing income and have investment horizons of seven years or longer. They are generally experienced market investors with a firm grasp of complex financial and investment terms. They know the value of any investment will fluctuate and that their capital is entirely at risk. However they may be prepared to invest additional sums during a downturn.

How does this affect my investment portfolio?

You know that high exposure to risky and complex investments means the value of your capital could fluctuate significantly in the long term. You may even lose all of your capital, or access to it, for many years.

High market knowledge and experience suggests you are a finance or investment professional and understand the influences on investment performance and volatility. You have proven experience with complex investments and use research and other investment information to make well-informed decisions.

Please remember to press "Submit" to ensure your results are recorded.