Determine your investment profile

Defensive, Conservative, Balanced, Growth…  Not sure which risk profile is right for you?

Just complete five simple questions below, selecting the single best option for each. Don’t worry, you don’t need to sign up to use this tool.


The following questions provide an assessment of your capacity to expose your savings to risk and your attitude towards investment volatility. This will help you to select your asset allocation.

Please Note: If you are using your KiwiSaver account to save for your first house, or you are nearing retirement the investment strategy which matches the Conservative Profile is likely to be most appropriate for your goal.

Your answers provide an assessment of your sensitivity to investment risk and therefore suggest the proportion of your money that should be invested in shares and listed property trusts. This analysis will assist you in deciding which funds are most appropriate for you to invest your savings in, however it is not a substitute for personalised advice, should you require it.

The model and calculations used to determine your investment profile result have been independently reviewed by actuary, Melville Jessup Weaver.