Most super funds offer a range of investment options, each with a different mix of growth and defensive assets. Some aim for higher long-term returns with more ups and downs along the way, while others prioritise stability but may grow more slowly over time.
There’s no single “best” option – it depends on your personal situation. In particular, it comes down to how much risk you’re comfortable taking, how long you’re investing for, and how you’re likely to react when markets rise and fall.
This is what we call your risk profile.
Understanding your risk profile can help you choose an investment option that not only suits your goals, but also gives you the confidence to stay invested through market fluctuations – which is critical for long-term success.
Use the quiz below to help you understand your risk profile, choosing the answer most appropriate to your situation. This quiz isn’t a formal assessment, but it’s designed to help you think through the key trade-offs between risk, return and time, and clarify the type of investments you may be comfortable with.
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