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| Financial Planner | Question 1 ‘stem’ |
|---|---|
| FP1 | Question one it’s asking what experience have you had with investing in bonds and managed funds and shares which rise and fall in value over time? Is it: |
| FP2 | The first question is what experience have you had with investing in shares, bonds and managed funds which rise and fall in value over time? |
| FP3 | Question one. What experience have you had with investing in shares, bonds and managed funds [which rise and fall in value over time] personally? |
| FP4 | So question one. What experience have you had with investing in shares, bonds and managed funds which rise and fall in value over time? |
| FP5 | So [question one] what experience do you have of investing in shares, bonds and managed funds [which rise and fall in value over time]? |
Overview of Five Client Profiles
| Financial Planner | Client | Gender | Age | Income p.a. $ | Super balance $ | Duration of consultation (mins/secs) | Duration of risk profiling portion (mins/secs) |
|---|---|---|---|---|---|---|---|
| 1 | A | F | 56 | 24,000 | 117,000 | 18.10 | 7.35 |
| 2 | B | F | 42 | 31,000 | 27,000 | 32.55 | 5.50 |
| 3 | C | F | 20 | N/A | 5,000 | 43.10 | 16.00 |
| 4 | D | F | 31 | N/A | 27,000 | 33.45 | 9.45 |
| 5 | E | M | 59 | 35,000 | 37,000 | 16.30 | 4.30 |
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| FP1 | FP2 | FP3 | FP4 | FP5 | |
|---|---|---|---|---|---|
| A | Never invested | You’ve never invested | Never invested | You’ve never invested | [None*] Never invested. Okay. |
| B | Held investments once or twice | You’ve held investments once or twice | Held investments once or twice | You’ve held investments once or twice | - |
| C | []A regular investor or saver; or | I’m a regular investor and saver; and | I’m a regular investor and a saver | You’re a regular investor and saver; or | - |
| D | You are actively involved in the market[] | I’m actively involved in the markets | I’m actively involved in the markets | You’re actively involved in the markets | - |
Investment risk profile questionnaire
| Question 1: What experience have you had with investing in shares, bonds and managed funds which rise and fall in value over time? | |
| A | Never invested |
| B | Held investments once or twice |
| C | I’m a regular investor and saver |
| D | I’m actively involved in the markets |
| Question 2: How would you rate your knowledge of investing? | |
| A | Excellent |
| B | Fairly good |
| C | Basic, I know a little bit |
| D | I don’t know anything about investing |
| Question 3: Inflation can erode the buying power of your investments over time. How important to you is it to ensure your investments are protected from inflation? | |
| A | Not at all |
| B | Somewhat important |
| C | Very important |
| D | Critical |
| Question 4: Investing requires choices about the level of return relative to risks. Which of the following investment options would you feel most comfortable with? | |
| A | An average return of 6% per annum and little or no chance of a negative year |
| B | Average returns of 7 to 8% per annum and a chance of one negative year in a 10-year period |
| C | Average returns of 9 to10% per annum and a chance of two negative years in a 10-year period |
| D | Average returns greater than 10% per annum and a chance of three or more negative years in 10 |
| Question 5: How would you feel and react if your investments fell in value by 15% this year? | |
| A | Distressed. You’d seek to sell the investment and get your remaining money back |
| B | Concerned. You’d look at what other options you may now have |
| C | Relaxed, as you’re prepared to wait for markets and investments to rebound |
| D | Excited, as this may present new buying opportunities |
| Question 6: A risk-free rate of 4% might be appealing but it wouldn’t be much good if your goals required a 10% return. Which of the following statements best represents your views? | |
| A | Achieving my financial goal is paramount. I would put at risk all I have to achieve my goals |
| B | I would feel happier keeping what I have rather than achieving my goals |
| C | I would risk a small amount of what I have to achieve my goals |
| D | I would risk a large amount of what I have to achieve my goals |
| Question 7: If you are investing for retirement, please select the following answer which best describes your situation. | |
| A | I have more than 20 years to retirement |
| B | I have five to 20 years until I retire |
| C | I’m within five years from retirement |
| D | I have already retired |
| Question 8: Which of the following timeframes best suits your financial objectives or retirement horizon? | |
| A | Less than one year |
| B | One to three years |
| C | Three to seven years |
| D | Greater than seven years |
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| Question 1: | None. |
| Question 2: | Never considered. |
| Question 3: | Oh, I’d say ‘critical’ |
| Question 4: | The last one. |
| Question 5: | Uhm, B. |
| Question 6: | Uhm, I’d go on a sort of 50/50 there. |