Risk Tolerance and Risk Capacity

First Name *

Last Name *

Email Address *

Preferred Contact Phone Number *

Date of Birth *

Relationship Status

Current Age

Who is your Keystone Wealth Financial Adviser?

1. In general, how would your best friend describe you as a risk taker? *

a. A real gamblerb. Willing to take calculated risks c. Cautiousd. A real risk avoider

2. When you think of the word ‘risk’ in the context of investing, which word comes to mind first? *

a. Lossb. Uncertaintyc. Opportunityd. Thrill

3. Given the best and worst case returns of the four investment choices below, which would you prefer? *

a. $200 gain best; $0 gain/loss worstb. $800 gain best; $200 loss worstc. $2,600 gain best; $800 loss worstd. $4,800 gain best; $2,400 loss worst

4. Suppose a relative left you an inheritance of $100,000, stipulating... you invest ALL the money in ONE choice. Which would you select? *

a. A savings account or money marketb. A managed fund that owns shares and bondsc. A portfolio of 15 common sharesd. Investments like Crypto, early stage start ups

5. If you had to invest $20,000, which of the following investment choices would you find most appealing? *

a. 60% low-risk, 30% medium-risk, 10% high-riskb. 30% low-risk, 40% medium-risk, 30% high-riskc. 10% low-risk, 40% medium-risk, 50% high-risk

6. Your trusted friend... is putting together a group of investors to fund an exploratory gold mining venture... chance of success is only 20%. If you had the money, how much would you invest? *

a. Nothingb. One month’s salaryc. Three month’s salaryd. Six month’s salary

7. Which statement best describes the level of investment risk you are comfortable taking? This relates to how much ups and downs in your investments you are willing to accept in order to achieve higher returns. *

a. Not willing to take any financial risksb. Take average financial risks expecting to earn average returnsc. Take above-average financial risks expecting to earn above-average returnsd. Take substantial financial risks expecting to earn substantial returns

8. When do you expect to first access or materially increase withdrawals from superannuation? *

The selected access timeframe implies super access before age 60. The form has applied the default access age of 60 for scoring

9. Do you have at least 12 months of expected super withdrawals covered by a near‑term defensive investments? (if under age 57 select - Not Applicable) *

Yes - 12+ months covered Partially - less than 12 monthsNo - or unsure of my current coverageNot Applicable - no withdrawals planned/not within 3 years

10. If markets fall approx. 20% and remain weak for 12–24 months, can you reduce or delay super withdrawals without impacting essential living costs? *

Yes — discretionarySomewhatNo — required for essentialsNot applicable — no withdrawals planned

11. When do you expect to begin withdrawing significant capital (more than 20% of the balance) from savings or investments? *

A: Less than 2 years (or I am already drawing down heavily).B: Between 2 and 5 years.C: Between 5 and 10 years.D: More than 10 years.

12. Excluding the funds you intend to invest, how many months of living expenses do you currently hold in accessible cash savings (e.g., offset account, bank savings)? *

A: Less than 3 months of expenses.B: 3 to 6 months of expenses.C: 6 to 12 months of expenses.D: More than 12 months of expenses.

13. Which statement best describes your current income stability and financial dependency? *

A: Critical – Retired or unemployed with no surplus income; 100% reliant on portfolio for daily living.B: Limited – Variable income or high fixed costs/dependents; little to no buffer after essential expenses.C: Stable – Consistent income that covers all living costs with a modest surplus for savings.D: Secure – High surplus cash flow and secure income; lifestyle is protected even if income temporarily ceases.

14. What is your current debt position relative to your total assets (including your home)? *

A: My total debts are more than 50% of my total assets.B: My total debts are between 20% and 50% of my total assets.C: My total debts are less than 20% of my total assets.D: Debt Free: I have no significant liabilities.

15. If your investment portfolio lost 20% of its value in a market crash this year, how would this impact your life? *

A: Catastrophic – Essential bills (mortgage, medical) cannot be met. Forced to liquidate immediately.B: Significant – Major life goals (retirement, renovations) postponed. Daily living standards must be reduced.C: Moderate – Essential lifestyle unchanged, but discretionary spending (holidays, luxuries) is delayed or cancelled.D: Minimal – Sufficient external assets or income exist. A 20% loss has no impact on lifestyle or standard of living.

Anything you would like to add?This section is optional. Please include any important factors not covered above that you believe may be useful for your adviser, such as strong ethical preferences, upcoming life changes, or specific investments you wish to retain (e.g. company shares).

Raw Risk Tolerance Score

Risk Capacity Score

Expected access age (default 60) *

q8_effective

q8_points

q9_adj

q10_adj

Super risk capacity score

super_base_score

super_buffer_adjustment

Your Risk Tolerance Profile

Your Superannuation Risk Capacity is

Your Risk Capacity is

Privacy Policy

https://keystonewealth.com.au/privacy-policy/

Financial Services Guide

https://keystonewealth.com.au/fsg/