You seek to invest in a fund designed or expected to generate capital return over the investment timeframe. You prefer exposure to growth assets (such as shares) or otherwise you seek an investment return above the current inflation rate.

You seek to invest in a product designed or expected to have low volatility and you seek minimise capital loss. You prefer exposure to defensive assets that are generally lower in risk and less volatile than growth investments (this may include cash or fixed income securities).

You seek to invest in a product designed or expected to distribute regular and/or tax-effective income. You prefer exposure to income-generating assets (this may include high dividend-yielding equities, fixed income securities and money market instruments).

For the relevant part of your portfolio, you: – have a conservative or low risk appetite – seek to minimise volatility and potential losses – are comfortable with a low target return profile; and – typically prefer stable and or defensive assets (such as cash)

For the relevant part of your portfolio, you: – have a moderate or medium risk appetite; – seek low volatility and potential losses; – are comfortable with a medium target return profile; and – typically prefer defensive assets (such as fixed income)

For the relevant part of your portfolio, you: – have a high risk appetite; – can accept high volatility and potential losses; – seek high returns (typically over a medium or long timeframe); and – typically prefer growth assets (such as shares)

For the relevant part of your portfolio, you: – have a very high risk appetite; – can accept very high volatility and potential losses – seek to maximise returns (typically over a medium or long timeframe); and – typically prefer high growth assets (such high conviction portfolios, hedge funds and alternative investments)