Risk Profile Questionnaire
This Risk Profile Questionnaire is provided by ANZ Bank New Zealand Limited (ANZ, we, our) and only relates to the multi-asset-class funds in the Investment Funds issued and managed by ANZ New Zealand Investments Limited (ANZ Investments).
If you can’t decide which fund to invest in, this tool can provide advice to help you determine the fund that most closely corresponds to the risk profile associated with your answers. The tool provides general advice only and does not consider your personal circumstances, financial situation or goals.
This tool has five questions with multiple-choice answers and relies on the accuracy of your answers. It will only recommend a fund that most closely corresponds to the risk profile associated with your answers. Please take your time to understand each question and provide realistic and honest answers. While this tool may help narrow down your fund choices or suggest what you could do, the final decision is yours.
Should you invest in these funds, ANZ Investments charges an annual fund charge as set out in the product disclosure statement. We will only recommend a product if it is suitable for you. We have to meet strict legal duties when providing financial advice. Our financial advice provider disclosure statement has information about these duties, as well as information about our internal complaints process, how to make a complaint, and our free, independent dispute resolution scheme.
If you would like to speak to a financial adviser about your personal circumstances, financial situation or goals, or to receive advice about a product this tool does not cover, please call 0800 269 238.
The Risk Profile Questionnaire only relates to the multi-asset-class funds in the Investment Funds issued and managed by ANZ Investments. To help clarify your own attitude to risk, you can work out your risk profile at https://sorted.org.nz/tools/investor-profiler.
If you’d like a fund recommendation relating to the funds in the OneAnswer KiwiSaver Scheme issued and managed by ANZ Investments, use our Fund Chooser Tool.
Your answers indicate you have the risk tolerance that aligns with a conservative investor. A conservative investor is prepared to accept a limited amount of investment volatility in any one year to achieve their investment objective over the longer term.
The fund you may like to consider is:
Conservative
The minimum recommended timeframe for the Conservative Fund is 4 years.
The Conservative Fund invests mainly in income assets (cash and cash equivalents and fixed interest), with a smaller exposure to growth assets (equities, listed property and listed infrastructure). The fund may also invest in alternative assets.
The fund choice recommended here is based on your answers to the questionnaire. If you have any questions about the advice our tool has provided you, or if you’d like to speak to a financial adviser about your personal situation, give us a call on 0800 269 238.
Next steps:
Open a OneAnswer Multi-Asset-Class Fund
It’s easy to open a OneAnswer Multi-Asset-Class Fund. All you need to do is:
Read the information in the OneAnswer Multi-Asset-Class Funds guide and product disclosure statement
Complete and send us an application form (at the back of the guide and product disclosure statement).
Switch your fund
There are a number of ways you can switch your funds if your Investment is with ANZ Investments.
Call us on:
0800 736 034
Email your request to
service@anzinvestments.co.nz
Not sure which fund you’re invested in?
You can:
Log into
ANZ Internet Banking
or goMoney.
Email us at:
service@anzinvestments.co.nz
(including your investor number)
Call us on:
0800 736 034
Seek financial advice
We recommend you seek assistance from a financial adviser.
If you don’t have a financial adviser, contact us on 0800 269 238 and we can put you in touch with one.
Your answers indicate you have the risk tolerance that aligns with a conservative balanced investor. A conservative balanced investor is prepared to accept some investment volatility in any one year to achieve their investment objective over the longer term.
The fund you may like to consider is:
Conservative Balanced
The minimum recommended timeframe for the Conservative Balanced Fund is 5 years.
The Conservative Balanced Fund invests mainly in income assets (cash and cash equivalents and fixed interest) with a smaller exposure to growth assets (equities, listed property and listed infrastructure). The fund may also invest in alternative assets.
The fund choice recommended here is based on your answers to the questionnaire. If you have any questions about the advice our tool has provided you, or if you’d like to speak to a financial adviser about your personal situation, give us a call on 0800 269 238.
Next steps:
Open a OneAnswer Multi-Asset-Class Fund
It’s easy to open a OneAnswer Multi-Asset-Class Fund. All you need to do is:
Read the information in the OneAnswer Multi-Asset-Class Funds guide and product disclosure statement
Complete and send us an application form (at the back of the guide and product disclosure statement).
Switch your fund
There are a number of ways you can switch your funds if your Investment is with ANZ Investments.
Call us on:
0800 736 034
Email your request to
service@anzinvestments.co.nz
Not sure which fund you’re invested in?
You can:
Log into
ANZ Internet Banking
or goMoney.
Email us at:
service@anzinvestments.co.nz
(including your investor number)
Call us on:
0800 736 034
Seek financial advice
We recommend you seek assistance from a financial adviser.
If you don’t have a financial adviser, contact us on 0800 269 238 and we can put you in touch with one.
Your answers indicate you have the risk tolerance that aligns with a balanced investor. A balanced investor is prepared to accept a moderate amount of investment volatility in any one year to achieve their investment objective over the longer term.
The fund you may like to consider is:
Balanced
The minimum recommended timeframe for the Balanced Fund is 5 years.
The Balanced Fund invests in similar amounts of income assets (cash and cash equivalents and fixed interest) and growth assets (equities, listed property and listed infrastructure). The fund may also invest in alternative assets.
The fund choice recommended here is based on your answers to the questionnaire. If you have any questions about the advice our tool has provided you, or if you’d like to speak to a financial adviser about your personal situation, give us a call on 0800 269 238.
Next steps:
Open a OneAnswer Multi-Asset-Class Fund
It’s easy to open a OneAnswer Multi-Asset-Class Fund. All you need to do is:
Read the information in the OneAnswer Multi-Asset-Class Funds guide and product disclosure statement
Complete and send us an application form (at the back of the guide and product disclosure statement).
Switch your fund
There are a number of ways you can switch your funds if your Investment is with ANZ Investments.
Call us on:
0800 736 034
Email your request to
service@anzinvestments.co.nz
Not sure which fund you’re invested in?
You can:
Log into
ANZ Internet Banking
or goMoney.
Email us at:
service@anzinvestments.co.nz
(including your investor number)
Call us on:
0800 736 034
Seek financial advice
We recommend you seek assistance from a financial adviser.
If you don’t have a financial adviser, contact us on 0800 269 238 and we can put you in touch with one.
Your answers indicate you have the risk tolerance that aligns with a balanced growth investor. A balanced growth investor is prepared to accept a large amount of investment volatility in any one year to achieve their investment objective over the longer term.
The fund you may like to consider is:
Balanced Growth
The minimum recommended timeframe for the Balanced Growth Fund is 6 years.
The Balanced Growth Fund invests mainly in growth assets (equities, listed property and listed infrastructure), with some exposure to income assets (cash and cash equivalents and fixed interest). The fund may also invest in alternative assets.
The fund choice recommended here is based on your answers to the questionnaire. If you have any questions about the advice our tool has provided you, or if you’d like to speak to a financial adviser about your personal situation, give us a call on 0800 269 238.
Next steps:
Open a OneAnswer Multi-Asset-Class Fund
It’s easy to open a OneAnswer Multi-Asset-Class Fund. All you need to do is:
Read the information in the OneAnswer Multi-Asset-Class Funds guide and product disclosure statement
Complete and send us an application form (at the back of the guide and product disclosure statement).
Switch your fund
There are a number of ways you can switch your funds if your Investment is with ANZ Investments.
Call us on:
0800 736 034
Email your request to
service@anzinvestments.co.nz
Not sure which fund you’re invested in?
You can:
Log into
ANZ Internet Banking
or goMoney.
Email us at:
service@anzinvestments.co.nz
(including your investor number)
Call us on:
0800 736 034
Seek financial advice
We recommend you seek assistance from a financial adviser.
If you don’t have a financial adviser, contact us on 0800 269 238 and we can put you in touch with one.
Your answers indicate you have the risk tolerance that aligns with a growth investor. A growth investor is prepared to accept a significant amount of investment volatility in any one year to achieve their investment objective over the longer term.
The fund you may like to consider is:
Growth
The minimum recommended timeframe for the Growth Fund is 7 years.
The Growth Fund invests mainly in growth assets (equities, listed property and listed infrastructure), with a small exposure to income assets (cash and cash equivalents and fixed interest). The Fund may also invest in alternative assets.
The fund choice recommended here is based on your answers to the questionnaire. If you have any questions about the advice our tool has provided you, or if you’d like to speak to a financial adviser about your personal situation, give us a call on 0800 269 238.
Next steps:
Open a OneAnswer Multi-Asset-Class Fund
It’s easy to open a OneAnswer Multi-Asset-Class Fund. All you need to do is:
Read the information in the OneAnswer Multi-Asset-Class Funds guide and product disclosure statement
Complete and send us an application form (at the back of the guide and product disclosure statement).
Switch your fund
There are a number of ways you can switch your funds if your Investment is with ANZ Investments.
Call us on:
0800 736 034
Email your request to
service@anzinvestments.co.nz
Not sure which fund you’re invested in?
You can:
Log into
ANZ Internet Banking
or goMoney.
Email us at:
service@anzinvestments.co.nz
(including your investor number)
Call us on:
0800 736 034
Seek financial advice
We recommend you seek assistance from a financial adviser.
If you don’t have a financial adviser, contact us on 0800 269 238 and we can put you in touch with one.
Your answers indicate you have the risk tolerance that aligns with a high growth investor. A high growth investor is prepared to accept a very significant amount of investment volatility in any one year to achieve their investment objective over the longer term.
The fund you may like to consider is:
High Growth
The minimum recommended timeframe for the High Growth Fund is 9 years.
The High Growth Fund invests in growth assets (equities, listed property and listed infrastructure), with a very small exposure to income assets (cash and cash equivalents and fixed interest). The Fund may also invest in alternative assets.
The fund choice recommended here is based on your answers to the questionnaire. If you have any questions about the advice our tool has provided you, or if you’d like to speak to a financial adviser about your personal situation, give us a call on 0800 269 238.
Next steps:
Open a OneAnswer Multi-Asset-Class Fund
It’s easy to open a OneAnswer Multi-Asset-Class Fund. All you need to do is:
Read the information in the OneAnswer Multi-Asset-Class Funds guide and product disclosure statement
Complete and send us an application form (at the back of the guide and product disclosure statement).
Switch your fund
There are a number of ways you can switch your funds if your Investment is with ANZ Investments.
Call us on:
0800 736 034
Email your request to
service@anzinvestments.co.nz
Not sure which fund you’re invested in?
You can:
Log into
ANZ Internet Banking
or goMoney.
Email us at:
service@anzinvestments.co.nz
(including your investor number)
Call us on:
0800 736 034
Seek financial advice
We recommend you seek assistance from a financial adviser.
If you don’t have a financial adviser, contact us on 0800 269 238 and we can put you in touch with one.
The fund you may like to consider is:
Cash
The Cash Fund invests mainly in cash and cash equivalents. These may include investments issued by the New Zealand Government, corporations or local authorities, or non-New Zealand governments.
The fund choice recommended here is based on your answers to the questionnaire. If you have any questions about the advice our tool has provided you, or if you’d like to speak to a financial adviser about your personal situation, give us a call on 0800 269 238.
Next steps:
Open a OneAnswer Multi-Asset-Class Fund
It’s easy to open a OneAnswer Multi-Asset-Class Fund. All you need to do is:
Read the information in the OneAnswer Multi-Asset-Class Funds guide and product disclosure statement
Complete and send us an application form (at the back of the guide and product disclosure statement).
Switch your fund
There are a number of ways you can switch your funds if your Investment is with ANZ Investments.
Call us on:
0800 736 034
Email your request to
service@anzinvestments.co.nz
Not sure which fund you’re invested in?
You can:
Log into
ANZ Internet Banking
or goMoney.
Email us at:
service@anzinvestments.co.nz
(including your investor number)
Call us on:
0800 736 034
Seek financial advice
We recommend you seek assistance from a financial adviser.
If you don’t have a financial adviser, contact us on 0800 269 238 and we can put you in touch with one.
Based on your answers the fund you may like to consider is:
You have demonstrated a very low tolerance for risk. We are unable to suggest a fund to suit your risk tolerance.
Next steps:
Seek financial advice
We recommend you seek assistance from a financial adviser.
If you don’t have a financial adviser, contact us on 0800 269 238 and we can put you in touch with one.
For more information
Read information in the ANZ Investment Funds guide and product disclosure statement
Switch your fund
There are a number of ways you can switch your funds if your Investment Fund is with ANZ.
Call us on:
0800 736 034
Email your request to
service@anzinvestments.co.nz
You have selected that you would like to make a withdrawal immediately. If your intention is to make a full withdrawal the above fund may not be suitable.
Next steps:
Seek financial advice
We recommend you seek assistance from a financial adviser.
If you don’t have a financial adviser, contact us on 0800 269 238 and we can put you in touch with one.
Open an ANZ Investment fund
It’s easy to open an ANZ Investment Fund. All you need to do is:
Read information in the ANZ Investment Funds guide and product disclosure statement
Complete and send us an application form (at the back of the guide and product disclosure statement).
Switch your fund
There are a number of ways you can switch your funds if your Investment Fund is with ANZ.
Call us on:
0800 736 034
Email your request to
service@anzinvestments.co.nz
Based on your answers the fund you may like to consider is:
You have provided inconsistent answers to the questionnaire. We are unable to suggest a fund to suit your risk tolerance and recommend you seek assistance from a financial adviser. If you do not have a financial adviser contact us on 0800 269 238 and we can put you in touch with one.
You have selected that you would like to make a withdrawal within 3 years. If your intention is to make a full withdrawal, we recommend you seek assistance from a financial adviser.
Next steps:
Open a OneAnswer Multi-Asset-Class Fund
It’s easy to open a OneAnswer Multi-Asset-Class Fund. All you need to do is:
Read the information in the OneAnswer Multi-Asset-Class Funds guide and product disclosure statement
Complete and send us an application form (at the back of the guide and product disclosure statement).
Switch your fund
There are a number of ways you can switch your funds if your Investment is with ANZ Investments.
Call us on:
0800 736 034
Email your request to
service@anzinvestments.co.nz
Not sure which fund you’re invested in?
You can:
Log into
ANZ Internet Banking
or goMoney.
Email us at:
service@anzinvestments.co.nz
(including your investor number)
Call us on:
0800 736 034
Seek financial advice
We recommend you seek assistance from a financial adviser.
If you don’t have a financial adviser, contact us on 0800 269 238 and we can put you in touch with one.
First home withdrawal
If you meet the eligibility criteria for a first home withdrawal, you’re able to withdraw your available KiwiSaver balance (excluding the Government's contributions and any amount transferred from an Australian complying superannuation fund).
To qualify for a first home withdrawal you must meet the following criteria:
- you’ve been a member of a KiwiSaver scheme for at least three years, or Inland Revenue received a contribution to a KiwiSaver scheme for you at least three years ago
- you intend to live mostly in the home you are buying
- you’ve never before made a withdrawal to buy a first home
- you’ve never before owned your own property (except for a few limited circumstances).
You need to make your early withdrawal before you buy your first home. The money you withdraw is paid directly to your solicitor before settlement.
If you’ve owned a home before you may qualify for a first home withdrawal as a previous home owner. You need to meet the requirements of 1 – 3 above, and Housing New Zealand (HNZ) must also be satisfied that your income, assets and liabilities represent the financial position expected of a person who has never owned a property before. For further information you should contact HNZ on 0800 801 601.
Why does age matter?
The age of an investor indicates the amount of time the investor has until they start to draw down on their investment. Investors become eligible to withdraw their accumulated KiwiSaver savings as a lump sum when they qualify for NZ Super, currently when they turn 65 and have completed five years’ membership. Therefore, with KiwiSaver an investor’s current age is an appropriate indicator of their time horizon.
Why do long term expectations matter?
Essentially, the longer an investor’s time horizon, the greater the investment risk they can afford to take on.
Higher-risk investments like shares and property can deliver returns less than term deposits or at times negative returns. However, for investors with a longer-term horizon, studies have shown that a well-diversified investment of higher-risk (‘growth’) assets can outperform lower-risk (‘income’) assets over the long term.
Why do you ask about negative results over a one-year period?
Studies have shown that investors often sell their investments at the worst time, after a period of negative returns.
This means they subsequently miss out when the market rallies after a fall. Growth assets are expected to earn more than income assets, but they are also much more susceptible to short-term losses. A portfolio of growth assets may not be appropriate for an investor who is averse to such losses.