Deciding where to invest your money is a big decision, and can sometimes be a bit daunting. Use this Risk Profiler to help you better understand how your approach to risk translates to the investment options available to you. (Risk refers to the likelihood of an investment losing value.)

All you need to do is answer the five simple questions on the following page. From there, we will calculate your score and show you the investment option that best matches your score. You will also find information about the other investment options available to you, so you can weigh up all the options.

 

To get started, click on the 'Next' button below. First though, please make sure you read the Important Information below.

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Important Information

This tool is provided by Mercer (N.Z.) Limited (Mercer), a licensed financial advice provider (FSP42742). The operation of this tool is governed by Mercer's Terms and Conditions and Privacy Statement. Mercer’s Risk Profiler tool provides financial advice in respect of the UniSaver Superannuation Scheme (Scheme). The tool is general in nature, it doesn’t account for your individual financial circumstances or other investments you have. This tool does not provide advice on any other providers’ products or provide investment-planning advice.

The tool is free of charge. Mercer receives income as the Secretary and Administration Manager of the Scheme. Mercer is not remunerated by commission or incentives. To manage conflicts, Mercer has a conflict of interest policy and framework in place and takes all reasonable steps to ensure its advice is made based on your goals and circumstances. Mercer regularly monitors and reviews the advice provided by this tool to ensure appropriate recommendations for investors.

Information on how to make a complaint and an overview of Mercer’s internal complaints process is available here. Mercer’s website also provides information about the dispute resolution scheme it belongs to. This is a free, independent service that may help investigate or resolve your complaint, if Mercer hasn’t resolved it to your satisfaction. Mercer has duties under the Financial Markets Conduct Act 2013, relating to financial advice, which is available here.