Superannuation risk profiler

Step 6 of 9


Check your total score to get an idea of your investment risk profile for super.

8-14 points

You may fit the profile of a ‘conservative’ investor:

The short-term security of your super is important to you, and you prefer conservative investments that provide relatively consistent returns. It doesn't bother you that this could mean significantly lower returns over the long term.

15-18 points

You may fit the profile of a ‘moderately conservative’ investor:

You don't necessarily like taking risks with your super, but you recognise you may need to include some growth assets in your portfolio to achieve the long-term growth you'll need for retirement.

19-23 points

You may fit the profile of a ‘balanced’ investor:

You're prepared to take some risks with your super, knowing the greater potential returns of growth assets will help you meet your long-term savings goals. You would feel comfortable with a mixture of growth and defensive assets.

24-27 points

You may fit the profile of a ‘growth’ investor:

You're happy to take some risks with your super, because you know it will give you greater potential long-term growth. You would feel comfortable with a significant portion of growth assets in your portfolio.

28-32 points

You may fit the profile of a ‘high growth’ investor:

You want to maximise the potential long-term growth from your super by investing mainly in growth assets. You're happy to tolerate short-term volatility along the way.

Like any investment, it's the end result that counts with your super. So every decision should be made with your retirement goals in mind.

Your financial adviser can help you calculate how much super you need at retirement. And help you choose the most appropriate investment option(s) to help you get there.

Remember that your investment profile might be different for investments you make outside superannuation. Again, you should consult your adviser.

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Asteron Life™ is committed to providing customers with long term financial security. We provide life insurance products including Income Protection Covers, Trauma Cover, Total & Permanent Disablement (TPD) Cover, Life Cover and Business Expenses Cover. To obtain a copy of our privacy statement, please contact us on 1800 221 727 or visit the following website to view or download the policy.

Asteron supports and adheres to the Life Insurance Code of Practice (Code). The Code has been developed voluntarily by the Life Insurance industry through the Financial Services Council to promote high standards of service to consumers, provide a benchmark of consistency within the industry, and establish a framework for professional behaviour and responsibilities. Download the Code here. For more information contact the Financial Services Council on (02) 9299 3022 (local call cost), email or visit

© Asteron Life & Superannuation Ltd ABN 87 073 979 530 (Asteron). Registered Office, Level 16, 363 George Street, Sydney NSW 2000

Asteron Life & Superannuation Limited ABN 87 073 979 530, AFSL 229880 (Asteron) is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). Suncorp Portfolio Services Limited ABN 61 063 427 958, AFSL 237905, RSE Licence No L0002059 (SPSL or Trustee) is part of the Suncorp group of companies (Suncorp). SPSL is a related body corporate of Suncorp Group Limited ABN 66 145 290 124 and Suncorp-Metway Limited ABN 66 010 831 722 (Suncorp Bank) (Suncorp). This product is not a bank deposit or other bank liability of the Suncorp Bank. The obligations of the different entities of TAL and Suncorp are not guaranteed by other entities