There are no right or wrong answers. We want to understand how you think about investment risk — so we can build a strategy that genuinely works for you, your goals, and your peace of mind.
7Questions
5Minutes
1Starting point for advice
Our three-part framework
01
Risk tolerance
Your emotional comfort with volatility — measured in this questionnaire
This survey
02
Risk capacity
Your objective ability to withstand losses — assessed by your adviser
Adviser
03
Risk need
Whether higher returns are required to meet your goals — from your cash flow model
Cash flow
Please answer each question as honestly as you can. Your responses will be used alongside your financial circumstances and goals to help us recommend the right portfolio for you.
Per CFA Institute guidance, a client's risk need should never exceed their risk-taking ability. This questionnaire measures tolerance only. Your adviser will separately consider capacity and need before confirming any recommendation.
Please enter your name to begin.
Time horizon
How long do you expect to keep this money invested?
Think about when most of this portfolio would be spent or withdrawn — not short-term cash needs, but the point at which the majority is drawn down.
First withdrawal
When might you need to access a large sum from this portfolio?
Think about liquidity needs — a withdrawal of 20% or more for retirement, a major purchase, or another significant financial event. This helps us understand how accessible this money needs to be.
Investment approach
How would you describe your investment approach for this portfolio?
Choose the approach that feels most aligned with your goals. All investment returns come with some level of risk — the question is how much you are willing to accept.
Emotional response
Imagine your portfolio drops 15% in a market downturn. How would you feel?
A 15% fall means a portfolio temporarily loses $15 for every $100 invested. This kind of movement happens from time to time — even in well-managed portfolios.
Likely behaviour
In that same situation, what would you most likely want to do?
Markets have fallen 15% and your portfolio is down. Setting aside what you think you should do — what feels like your natural response?
Loss tolerance
How do you feel about short-term fluctuations in exchange for potentially better long-term returns?
Markets fluctuate in the short term — accepting that volatility is generally required to pursue better potential returns over time. This question explores where you draw that line.
Investment experience
How would you describe your experience with investments?
Think about your experience with investments that can go up and down — including KiwiSaver, shares, managed funds, or property.
Time horizon score
— / 10
Tolerance score
— / 25
Your position on the scale
Points for your adviser to discuss with you
Adviser comments
Send result to your adviser
Your result will be sent to The Private Office so your adviser can review it before your next conversation.
Thank you
Your result has been sent to The Private Office. Your adviser will be in touch to discuss your profile and next steps.
