Investment profile check-up

This simple questionnaire is designed to help you better understand your attitude to investment risk and make sure your current investment profile is right for you.

There are no right or wrong answers, just select the answer that best describes you.
1/6

What investment scheme do you belong to?

2/6

When do you plan to begin withdrawing from your investment?

3/6

How would you describe your understanding of the financial markets and investments?

4/6

How willing are you to accept variations in annual returns (including negative returns) over the time you expect to be invested?

5/6

What would you do if in the past 12 month period, your investment fell in value by 10 - 20%?

6/6

How important is it that the value of your investment grows faster than inflation?

Additional Question

Are you nearing retirement and interested to find out how you can receive a regular income from your investment that lasts the rest of your life?

Not sure which investment scheme you belong to?


Please contact your adviser, or call us on 0800 500 811 or email us at investments@britanniafinancial.co.nz

Your investment risk profile

Based on the information you've provided, the fund profile below best reflects your attitude to investment risk.

Investment objective

Investment suitability

Minimum Recommended Time Frame

Asset Allocation

Strategic Asset Allocation

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Britannia Retirement Scheme

Defensive Profile (Cash Enhanced Fund)

Investment objective

This Fund seeks to preserve capital while providing a regular source of returns from cash and short-term interest-bearing investments.

Suitable for those who are very cautious investors, who want stable or consistent returns and preservation of capital. Willing to accept lower potential investment performance.

Minimum Recommended Time Frame

Less than 3 years

Asset Allocation

Income 100%
Growth 0%

Strategic Asset Allocation
Britannia Retirement Scheme Defensive Profile
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Britannia Retirement Scheme

Moderate Profile (Moderate Fund)

Investment objective

This Fund seeks to provide growth of your investment through consistent returns utilising a diversified portfolio, with a bias towards defensive or income assets.

Investment suitability

Suitable for cautious investors who want consistent returns utilising a diversified portfolio with a slight bias towards defensive or income assets. Investors accept that returns can vary from year to year and could be negative in any year.

Minimum Recommended Time Frame

3 to 4 years

Asset Allocation

Income 60%
Growth 40%

Strategic Asset Allocation
Britannia Retirement Scheme Moderate Profile
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Britannia Retirement Scheme

Balanced Profile (Balanced Fund)

Investment objective

This Fund seeks to provide long-term capital growth of your investment utilising a diversified portfolio with a bias towards growth assets.

Investment suitability

Suitable for those who want long-term capital growth from a diversified portfolio which has a slight weighting to growth assets. Investors accept that capital losses can be incurred in the short term in order to get higher returns over the medium to long term.

Minimum Recommended Time Frame

5 to 7 years

Asset Allocation

Income 40%
Growth 60%

Strategic Asset Allocation
Britannia Retirement Scheme Balanced Profile
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Britannia Retirement Scheme

Growth Profile (Growth Fund)

Investment objective

This Fund seeks to provide long-term capital growth utilising a diversified portfolio with a stronger bias towards growth assets.

Investment suitability

Suitable for those who want superior long-term capital growth from a diversified portfolio with a strong weighting to growth assets. Investors accept greater volatility and potential for capital losses over a 1-3 year period in order to get higher returns over the medium to long term.

Minimum Recommended Time Frame

8 to 10 years

Asset Allocation

Income 25%
Growth 75%

Strategic Asset Allocation
Britannia Retirement Scheme Growth Profile
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Britannia Superannuation Scheme / Britannia Superannuation Scheme 2012

Conservative Profile

Investment Suitability

Suitable for those who are very cautious investors, who want stable or consistent returns and preservation of capital. Willing to accept lower potential investment performance.

Minimum Recommended Time Frame

Less than 4 years

Asset Allocation

Income 80%
Growth 20%

Strategic Asset Allocation
Britannia Superannuation Scheme / Britannia Superannuation Scheme 2012 Conservative Profile
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Britannia Superannuation Scheme / Britannia Superannuation Scheme 2012

Moderate Profile

Investment suitability

Suitable for cautious investors who seek some growth to keep pace with inflation. Willing to accept that returns can vary from year to year and could be negative in any one year.

Minimum Recommended Time Frame

4 years

Asset Allocation

Income 60%
Growth 40%

Strategic Asset Allocation
Britannia Superannuation Scheme / Britannia Superannuation Scheme 2012 Moderate Profile
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Britannia Superannuation Scheme / Britannia Superannuation Scheme 2012

Balanced Profile

Investment suitability

Suitable for those who want long-term capital growth from a diversified portfolio which has a slight weighting to growth assets. Investors accept that capital losses can be incurred in the short term in order to get higher returns over the medium to long term.

Minimum Recommended Time Frame

5 years

Asset Allocation

Income 40%
Growth 60%

Strategic Asset Allocation
Britannia Superannuation Scheme / Britannia Superannuation Scheme 2012 Balanced Profile
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Britannia Superannuation Scheme / Britannia Superannuation Scheme 2012

Growth Profile

Investment suitability

Suitable for those seeking a growth-orientated investment and who are able to withstand a higher degree of volatility in order to achieve a higher return over the longer term.

Minimum Recommended Time Frame

7 years

Asset Allocation

Income 30%
Growth 70%

Strategic Asset Allocation
Britannia Superannuation Scheme / Britannia Superannuation Scheme 2012 Growth Profile
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Britannia Superannuation Scheme / Britannia Superannuation Scheme 2012

Aggressive Profile

Investment suitability

Suitable for those with a longer time horizon who are willing to accept high levels of investment volatility in return for high potential investment performance.

Minimum Recommended Time Frame

10 years

Asset Allocation

Income 20%
Growth 80%

Strategic Asset Allocation
Britannia Superannuation Scheme / Britannia Superannuation Scheme 2012 Aggressive Profile

What next?

Submit your result to Britannia and we can check that they match with your current investment profile.

Just enter your details below and we will contact you to discuss what you need to do next, if anything.

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This questionnaire is of a general nature only and does not constitute personalised financial advice. Our advisers can provide you with additional information relating to your investment options and you can move to a different fund within the Scheme at any time for no charge. You are under no obligation to accept the investment risk profile suggested by this questionnaire. The asset allocations are not fixed and will change from time to time.

This questionnaire has been prepared without taking into account your personal objectives, financial situation or needs. Before making an investment into the Scheme, you should obtain and consider the information contained in the Product Disclosure Statement for the Britannia Retirement Scheme or the Investment Statement for the Britannia Superannuation Scheme or the Investment Statement for the Britannia Superannuation Scheme 2012.

Disclosure Statements for our Authorised Financial Advisers are available on request and free of charge. Product Disclosure Statements for the Britannia Retirement Scheme and the Integral Master Trust are available from the schemes’ issuer, Britannia Financial Services Limited, phone 0800 500 811
Britannia Financial Services Limited is a Registered Financial Service Provider.

Need help in securing your financial future?
Call us 0800 28 28 33