What Should I Do If My Risk Profile Changes?

It's completely normal for your risk profile to change over time.

As your life changes, so can your financial goals, personal circumstances, investment experience and attitude towards investment risk.

That's why you'll complete the risk profile questionnaire each time you open a new investment product.

The questionnaire is designed to assess your circumstances at the time you're opening that investment product.

Why Do I Complete the Questionnaire Again?

Your answers today may be different from the answers you gave months or years ago.

For example, your:

• Financial circumstances may have changed.
• Investment goals may have evolved.
• Time horizon may be different.
• Comfort with investment risk may have increased or decreased.

Completing the questionnaire each time helps ensure your risk profile reflects your current responses, rather than relying on information that may no longer be accurate.

What If My Risk Profile Is Different?

There's no need to worry if your risk profile changes.

A different result simply reflects the answers you've provided on that occasion.

It doesn't mean you've answered correctly or incorrectly, and it doesn't prevent you from opening an investment product.

Is My New Risk Profile a Recommendation?

No.

Your risk profile is not personalised financial advice or an investment recommendation.

It is simply the outcome of a scored questionnaire based on your responses.

It does not tell you what you should invest in, nor does it recommend a particular investment option.

Do I Have to Follow It?

No.

Your risk profile is provided to help you better understand your attitude towards investment risk at that point in time.

You're free to choose an investment option with a higher or lower level of risk than your questionnaire result indicates.

The decision is always yours.

In Summary

• You'll complete the risk profile questionnaire each time you open a new investment product.
• Your answers may change as your circumstances, goals or attitude to risk change over time.
• It's normal for your risk profile to be different on different occasions.
• Your risk profile is based solely on your questionnaire responses.
• It is not financial advice or an investment recommendation.
• You don't have to choose an investment option that matches your risk profile.

Your risk profile is designed to help you understand your current attitude towards investment risk, while ensuring that all investment decisions remain yours to make.