Knowledge and experience       For each of the questions below, select the response that most applies to you. There is no right or worng answer.           Q1. How would you describe your understanding of the financial and investment market?       I don't understand investing and I would prefer someone to advise me on investing.       I don't really understand the financial and investment market.       I believe I have a reasonable understanding of investing and I understand the importance of diversifying my investments.       I have a good understanding of investing so I understand that different market sectors offer varying income, growth and taxation options.       I am an experienced investor. I understand all the investment sectors and the various factors which can influence investment performance.         Q2. How would you describe your confidence in making investment decisions?       I am not confident making investment decisions so I usually don't do any investing or I rely heavily on a financial adviser for advice.       I am not very confident making investment decisions but I still give it a go.       I am reasonably confident.       I am confident in my knowledge of investments so feel fairly confident that I make the right decision.       I am very confident when it comes to investing. I have a thorough knowledge of investing, including how to watch the markets to make educated decisions .         Q3. As an investor I would describe myself as:       A very inexperienced investor.       A fairly inexperienced investor.       A fairly experienced investor.       An experienced investor.       A very experienced investor.         Investor style       Q1. How would you describe your reaction to a significant drop in investment value (eg 20% in 1 year)?       I would transfer my investment into a bank account or similar secure investment.       I would transfer some of the investment into an alternative investment portfolio.       I would wait until the market picked up so I could recover the loss and then move my investment to another investment portfolio.       I would leave the investment alone as originally intended.       I would see the opportunity to invest further at a discounted price.         Q2. Achieving high returns over the long term is more important to me than safe investing.       Strongly disagree.       Disagree.       Neutral.       Agree.       Strongly agree.         Q3. Are greater returns over the long term important to you and are you willing to experience the fluctuations of the market?       I am not comfortable with experiencing the potential fluctuations of the market in the pursuit of higher returns.       I am a little uncomfortable with experiencing fluctuations in the market.       I am rather comfortable with the fluctuations assuming the volatility is limited.       I am comfortable with reasonable market fluctuations in the pursuit of greater returns.       I am very comfortable with market fluctuations. I understand there is usually a fluctuation of the markets in the short term which usually result in a greater return over the long term.         Q4. How would you describe your overall investment decisions?       I have never really invested before, other than my superannuation.       I have never lost on investments as I usually invest in secure assets.       The returns have been average. I would like to start making greater returns.       I have experienced some losses with my investments but I am willing to keep trying.       I have made better than average returns on investments and have experienced some fluctuations.         Q5. How would you describe your attitude to risk versus return?       I am a very low risk taker, I need the security.       I am a low risk taker.       I am an average risk taker, somewhat concerned with security.       I am a high risk taker, short term security is not an issue for me.       I am a very high risk taker, security is not a concern to me.             Your time horizon       Q1. When will you retire and start spending your superannuation savings?       I will be retiring in 2 years time.       I will retire in 2 and 4 years time.       I will retire in 5 and 8 years time.       I will retire in 9 and 10 years time.       It will be more than 10 years before I retire.         Q2. How long do you expect your superannuation savings will last in retirement?       I expect it to last between 1 and 2 years.       I expect it to last between 3 and 5 years.       I expect it to last between 6 and 8 years.       I expect it to last between 9 and 10 years.       I expect it to last more than 10 years.             Your profile is conservative.           If             So what's next?   Consider your risk profile. Are you investing your super in the right investment option?       No matter what type of investor you are, CareSuper has a range of investment options for you to choose from. Take a look at your options here.       Still not sure which option is right for you? Call 1300 360 149 to be directed to our financial planning service.       Contact us     Other calculators     CareSuperline 1300 360 149   Salary Sacrifice calculator         admin@caresuper.com.au   Insurance calculator

Use the Risk Profiler to help you:
1.	Determine what type of investor you are and your investment time horizon.
2.	Understand the various investor/risk profiles.
	Remember, it is a guide and may not accurately reflect your particular circumstances.

How to use this calculator
1.	Answer questions related to your experience and knowledge of finance: 'Step 1 - knowledge and experience'.
2.	Go to 'Step 2 - Investor style' to answer questions related to your style of investing.
3.	Go to 'Step 3 - Your time horizon' to answer questions related to how long you will be investing.
4.	Go to 'Step 4 - profile results' to see your results.
5.	Go to 'Step 5 - Next steps' for what to do next and related calculators.

Assumptions
There are no assumptions for this calculator.

Disclaimer
Any person intending to act or rely on the information should check its application to their circumstances and read our Product Disclosure Statement. We would recommend that you consult with your financial planner before making any decision. CareSuper Pty Limited does not accept any liability, either direct or indirect, arising from a person relying, either wholly or partially, upon any information shown or omitted from the Risk Profiler. I understand that the information contained in this calculator is of a general nature and is not intended as financial advice. It does not take into account my personal objectives, financial situation or needs. Accordingly you should consider how appropriate the advice (if any) is to those objectives, financial situation and needs before acting on the advice. I understand that the methodology and information contained in the calculator is provided to CareSuper by a third party and that CareSuper is not responsible for any errors or omissions by the third party that results in the calculations differing from the actual amounts. CareSuper Corporate Trustee is CareSuper Pty Limited. CareSuper receives fees and charges in relation to its products as set out in the product disclosure statements. CareSuper employees and/or directors also receive salaries, bonuses and/or other benefits from CareSuper Pty Limited.