Which portfolio is best for me?
Would you like some assistance in deciding which investment portfolio you should consider?
STEP 1
Investment Risk Profile Assessor
This Investment Risk Profile Assessor will help you determine your risk profile. Any investment decision should always be based on your risk profile rather than on the immediate short term returns and market changes.
STEP 2
More about the Portfolios
Choosing the portfolio/s which best match your risk profile
Why is the risk profile of a portfolio important?
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Your risk profile is defined as the degree of risk that you can comfortably deal with, given your own unique circumstances.
You can then match your risk profile with those of the different Fund investment portfolio/s. Refer to the Investment Portfolios under My Investment Profile in the menu above for more information on the investment portfolio/s. To learn more about your risk profile, please access the Investment Section in the Member Booklet.
The Investment Risk Profile Assessor will not tell you which Columbus Retirement Fund investment portfolio/s to invest your retirement savings in, but it will give you a general indication of your own risk profile. This will enable you to decide on the appropriate investment portfolio/s.
Retirement Investments are for the long-term.
Do not react to current events/affairs without discussing it with a seasoned investment professional
The trustees caution you to please not use the assessor as a financial planning tool, but rather to speak to a financial advisor before you make your final decision.
Also please consider the following aspects when completing the Investment Risk Profile Assessor
| WHAT TO CONSIDER? | WHY? |
|---|---|
| How comfortable are you with investment risk? |
Some people are more comfortable with risk than others. Investment risk refers to the potential of losing or making money over the short, medium and long term. You should understand the level of investment risk that you are comfortable with. If you struggle to sleep when stock markets fall (even though they will probably recover over the long term), you are most probably not comfortable with Investment risk. |
| Do you have other retirement savings or investments? | For some members their money in the Columbus Retirement Fund is not their only retirement savings, but it may be for others. Should you have safe investments outside the Fund, you could perhaps consider taking more risk with your retirement savings in the Columbus Retirement Fund. |
| How many years do you have left to your planned retirement date? | It is generally accepted that the more years that you have left to your planned retirement date, the higher the investment risk you could afford (if the markets fall, you have enough time to recover your loss). |
|
How many dependants do you anticipate to have when you retire? (Spouse, unemployed or disabled child(ren) etc.) |
It is important to identify the number of dependants who would be dependent on your pension. Most members in this situation already know in advance whether their spouse, unemployed or disabled children and/or parents would be financially dependent on them after retirement. If you are in this position and nearing retirement, you should possibly choose a safer investment option. |
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