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 significant, 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: derivatives, structured products, alternative investments 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 cautious when it comes to investment risk. As far as market knowledge and experience is concerned your responses indicate a moderate level of experience and understanding.

What does this mean?

A Cautious investment profile suggests you may prefer keeping your capital safe and your funds accessible. You want safety and stability, so your investment options are likely to be products that offer ready access to your money.

Limited / Moderate market knowledge and experience broadly suggests you have historically had limited exposure to financial markets.

You may 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 cautious 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.

What does this mean?

A Cautious investment profile suggests you may prefer keeping your capital safe and your funds accessible. You want safety and stability, so your investment options are likely to be products that offer ready access to your money.

High market knowledge and experience suggests you 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 modest when it comes to investment risk. As far as market knowledge and experience is concerned your responses indicate a moderate level of experience and understanding.

What does this mean?

A Modest investment profile suggests you may be quite prudent with your investments. The opportunity for modest capital growth is important but you prefer investments designed to preserve more of your capital if equity markets fall.

You're willing to accept low risks for some capital growth potential and are prepared for small fluctuations in value or income./p>

Limited / Moderate market knowledge and experience broadly suggests you have historically had limited exposure to financial markets.

You may 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 modest 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.

What does this mean?

A Modest investment profile suggests you may be quite prudent with your investments. The opportunity for modest capital growth is important but you prefer investments designed to preserve more of your capital if equity markets fall.

You're willing to accept low risks for some capital growth potential and are prepared for small fluctuations in value or income./p>

High market knowledge and experience suggests you 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 moderate level of experience and understanding.

What does this mean?

A Moderate investment profile suggests you may be prepared to accept frequent and sometimes significant fluctuations in capital and income value in order to increase your wealth in the long-run.

Moderate investors generally understand the need to invest more of their portfolio in higher risk investments to achieve higher potential returns.

Limited / Moderate market knowledge and experience broadly suggests you have historically had limited exposure to financial markets.

You may 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.

What does this mean?

A Moderate investment profile suggests you may be prepared to accept frequent and sometimes significant fluctuations in capital and income value in order to increase your wealth in the long-run.

Moderate investors generally understand the need to invest more of their portfolio in higher risk investments to achieve higher potential returns.

High market knowledge and experience suggests you 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 savvy when it comes to investment risk. As far as market knowledge and experience is concerned your responses indicate a moderate level of experience and understanding.

What does this mean?

A Savvy investment profile suggest you may aim for higher long-term investment returns and are relatively comfortable with investment markets and their inherent risks.

You know that significant capital fluctuations are likely but your focus is on capital growth and wealth accumulation.

Limited / Moderate market knowledge and experience broadly suggests you have historically had limited exposure to financial markets.

You may 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 savvy 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.

What does this mean?

A Savvy investment profile suggest you may aim for higher long-term investment returns and are relatively comfortable with investment markets and their inherent risks.

You know that significant capital fluctuations are likely but your focus is on capital growth and wealth accumulation.

High market knowledge and experience suggests you 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 advanced when it comes to investment risk. As far as market knowledge and experience is concerned your responses indicate a moderate level of experience and understanding.

What does this mean?

An Advanced investment profile suggests you may accept very high levels of investment risk for the potential to achieve exceptional long-term returns.

You know that high exposure to risky and complex investments means the value of your capital could fluctuate significantly in the long term.

Limited / Moderate market knowledge and experience broadly suggests you have historically had limited exposure to financial markets.

You may 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 advanced 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.

What does this mean?

An Advanced investment profile suggests you may accept very high levels of investment risk for the potential to achieve exceptional long-term returns.

You know that high exposure to risky and complex investments means the value of your capital could fluctuate significantly in the long term.

High market knowledge and experience suggests you 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.