Your Risk Profile Result

Balanced Investor

Based on the answers you provided, your responses most closely align with the profile of a balanced investor.

YOUR INVESTOR PROFILE
BALANCED INVESTOR
Risk Level: 4 | 7

Balanced investors are typically looking to grow their wealth over time, while maintaining a level of stability in how their investments perform.

They understand that markets will move and that some short-term fluctuations are normal, but prefer a more measured approach rather than taking on higher levels of risk in pursuit of maximum returns.

This profile often reflects a preference for consistency, diversification, and a long-term mindset, rather than reacting to short-term market movements.

Looking for personal advice? Speak with an adviser.
What a Typical Balanced Portfolio May Look Like
STARTING INVESTMENT

$100,000

TIME HORIZON: 5–7+ YEARS
PROJECTED VALUE

$175,000 YEAR

$175,000
$160,000
$140,000
$120,000
$100,000
1
2
3
4
5
6
7
8
9
10

A balanced portfolio generally combines growth assets like shares with defensive assets such as bonds and cash.

This mix aims to provide more consistent returns over time, while still allowing for long-term capital growth.

This example is illustrative only and not a forecast or guarantee.

Typical Asset Allocation

Australian Equities
International Equities
Fixed Income
Alternatives
Cash

Balanced portfolios typically include a mix of growth and defensive assets.

Growth assets help drive long-term returns, while defensive assets aim to reduce volatility and provide stability during market fluctuations.

Allocations will vary between strategies.

Typical Performance & Risk Characteristics

Metrics
Metrics
Volatility
Moderate
Return Objective
Moderate Growth
Time Horizon
5-7+ Years
Growth Exposure
Medium
Defensive Exposure
Medium

Balanced portfolios can still experience market ups and downs, but generally aim to reduce the severity of declines compared to higher-risk portfolios.

Over time, they are designed to provide a smoother investment journey while still delivering meaningful growth.

Returns are not guaranteed and will vary.

What Defines a Balanced Investor

Seeks a mix of growth and stability
Comfortable with moderate market movements

Prefers a balanced level of risk
Investing for the medium to long term
Values diversification

Balanced investors are typically focused on building wealth steadily over time, without taking on excessive risk.

They understand markets will move, but prefer a more controlled and diversified approach to investing.

SPEAK WITH AN ADVISER
Get personalised advice tailored to your situation.
Important Information

This result is based solely on your responses to the risk profile questionnaire.

It is provided as general information only and does not take into account your personal financial situation, objectives, or needs.

This is not financial advice and should not be relied on when making investment decisions.

Before taking any action, you should consider seeking personal financial advice tailored to your individual circumstances.

Your Risk Profile Result

Conservative Investor

Based on the answers you provided, your responses most closely align with the profile of a conservative investor.

YOUR INVESTOR PROFILE
CONSERVATIVE INVESTOR
Risk Level: 2 | 7

Conservative investors are typically focused on preserving capital while achieving steady, modest growth over time.

They prefer a more stable investment experience and are generally less comfortable with significant fluctuations in value, even if that means accepting lower long-term returns.

This profile often reflects a preference for stability, income, and capital preservation, with a strong focus on reducing downside risk.

Looking for personal advice? Speak with an adviser.
HOW CONSERVATIVE INVESTORS TYPICALLY INVEST
STARTING INVESTMENT

$100,000

TIME HORIZON: 3–5+ YEARS
PROJECTED VALUE

$135,000 YEAR

$135,000
$130,000
$120,000
$110,000
$100,000
1
2
3
4
5
6
7
8
9
10

Investments aligned with a conservative profile typically include a higher allocation to defensive assets such as fixed income and cash, with a smaller exposure to growth assets like shares.

This approach aims to provide more consistent returns and reduce the impact of market volatility over time.

This example is illustrative only and not a forecast or guarantee.

Typical Asset Allocation

Australian Equities
International Equities
Fixed Income
Alternatives
Cash

Balanced portfolios typically include a mix of growth and defensive assets.

Growth assets help drive long-term returns, while defensive assets aim to reduce volatility and provide stability during market fluctuations.

Allocations will vary between strategies.

Typical Performance & Risk Characteristics

Metrics
Metrics
Volatility
Low
Return Objective
Stable, lower growth
Time Horizon
3–5+ Years
Growth Exposure
Low
Defensive Exposure
High

Conservative investments generally experience smaller fluctuations in value, but may deliver lower long-term returns compared to more growth-focused profiles.

Over time, they are designed to prioritise capital preservation while still providing modest growth.

Returns are not guaranteed and will vary.

What Defines a Balanced Investor

Focuses on capital preservation
Prefers lower volatility
Less comfortable with market swings
Shorter to medium investment horizon
Values stability and income

Conservative investors are typically focused on protecting their wealth while growing it gradually over time.

They prefer a more predictable and controlled investment experience, even if it means lower potential returns.

SPEAK WITH AN ADVISER
Get personalised advice tailored to your situation.
Important Information

This result is based solely on your responses to the risk profile questionnaire.

It is provided as general information only and does not take into account your personal financial situation, objectives, or needs.

This is not financial advice and should not be relied on when making investment decisions.

Before taking any action, you should consider seeking personal financial advice tailored to your individual circumstances.

Your Risk Profile Result

Growth Investor

Based on the answers you provided, your responses most closely align with the profile of a growth investor.

YOUR INVESTOR PROFILE
GROWTH INVESTOR
Risk Level: 5 | 7

Growth investors are typically focused on building wealth over the long term through higher exposure to growth assets such as shares.

They are comfortable with market fluctuations and understand that short-term volatility is part of achieving stronger long-term returns.

This profile reflects a preference for capital growth, long-term investing, and higher return potential.

Looking for personal advice? Speak with an adviser.
HOW Growth INVESTORS TYPICALLY INVEST
STARTING INVESTMENT

$100,000

TIME HORIZON: 7-10+ YEARS
PROJECTED VALUE

$215,000 YEAR

$215,000
$190,000
$160,000
$130,000
$100,000
1
2
3
4
5
6
7
8
9
10

Investments aligned with a growth profile typically include a higher allocation to shares and growth assets, with a smaller allocation to defensive assets.

This approach aims to maximise long-term returns, while accepting greater short-term fluctuations.

This example is illustrative only and not a forecast or guarantee.

Typical Asset Allocation

Australian Equities
International Equities
Fixed Income
Alternatives
Cash

Growth investors are typically exposed to a higher proportion of growth assets, which aim to drive long-term returns.

Defensive assets are still included to provide some stability during periods of market volatility.

Allocations will vary between strategies.

Typical Performance & Risk Characteristics

Metrics
Metrics
Volatility
Higher growth
Return Objective
Moderate Growth
Time Horizon
7–10+ Years
Growth Exposure
High
Defensive Exposure
Low

Growth investments can experience larger fluctuations in value over the short term, but have historically delivered stronger returns over longer time periods.

Investors adopting this profile typically accept this trade-off in pursuit of higher long-term outcomes.

Returns are not guaranteed and will vary.

What Defines a Balanced Investor

Focus on long-term growth
Comfortable with volatility
Accepts short-term declines
Long investment horizon
Prioritises returns

Growth investors are typically focused on increasing their wealth over time and are comfortable accepting periods of market volatility along the way.

They understand that long-term investing requires patience and a willingness to stay invested through market cycles.

SPEAK WITH AN ADVISER
Get personalised advice tailored to your situation.
Important Information

This result is based solely on your responses to the risk profile questionnaire.

It is provided as general information only and does not take into account your personal financial situation, objectives, or needs.

This is not financial advice and should not be relied on when making investment decisions.

Before taking any action, you should consider seeking personal financial advice tailored to your individual circumstances.

Your Risk Profile Result

High Growth Investor

Based on the answers you provided, your responses most closely align with the profile of a high growth investor.

YOUR INVESTOR PROFILE
HIGH GROWTH INVESTOR
Risk Level: 4 | 7

High growth investors are primarily focused on maximising long-term returns and are comfortable with significant market volatility.

They understand that investments may experience large short-term movements, but accept this in pursuit of higher long-term gains.

This profile reflects a strong preference for maximum growth and long-term investing.

Looking for personal advice? Speak with an adviser.
HOW HIGH GROWTH INVESTORS TYPICALLY INVEST
STARTING INVESTMENT

$100,000

TIME HORIZON: 10+ YEARS
PROJECTED VALUE

$260,000 YEAR

$260,000
$220,000
$180,000
$140,000
$100,000
1
2
3
4
5
6
7
8
9
10

Investments aligned with a high growth profile typically include a very high allocation to growth assets, with minimal exposure to defensive assets.

This approach aims to maximise long-term returns, but may result in significant short-term volatility.

This example is illustrative only and not a forecast or guarantee.

Typical Asset Allocation

Australian Equities
International Equities
Fixed Income
Alternatives
Cash

Balanced portfolios typically include a mix of growth and defensive assets.

Growth assets help drive long-term returns, while defensive assets aim to reduce volatility and provide stability during market fluctuations.

Allocations will vary between strategies.

Typical Performance & Risk Characteristics

Metrics
Metrics
Volatility
High
Return Objective
Maximum growth
Time Horizon
10+ Years
Growth Exposure
Very High
Defensive Exposure
Very Low

High growth investments can experience significant short-term fluctuations, including larger declines during market downturns.

However, over longer periods, they aim to deliver the highest potential returns.

Returns are not guaranteed and will vary.

What Defines a Balanced Investor

Seeks maximum long-term returns
Comfortable with large fluctuations
High tolerance for risk
Long-term investment focus
Growth over stability

High growth investors are typically focused on maximising wealth over time and are willing to accept substantial short-term volatility.

They take a long-term view and prioritise return potential over stability.

SPEAK WITH AN ADVISER
Get personalised advice tailored to your situation.
Important Information

This result is based solely on your responses to the risk profile questionnaire.

It is provided as general information only and does not take into account your personal financial situation, objectives, or needs.

This is not financial advice and should not be relied on when making investment decisions.

Before taking any action, you should consider seeking personal financial advice tailored to your individual circumstances.

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Disclaimer:
Growthfront Pty Ltd is a Corporate Authorised Representative (No. 1302922) of Geosmith Partners AFSL 700062 ABN 86 684 092 135. Any advice contained in this website is general advice only and has been prepared without considering your objectives, financial situation or needs except in circumstances where you have provided your personal financial details via our online application process and received a Statement of Advice from us. Before making any investment decision we recommend that you consider whether it is appropriate for your situation and seek appropriate taxation and legal advice. Please read our Financial Services Guide before deciding whether to obtain financial services from us