Quiz: What is your risk profile?

Do you know how much risk you're actually comfortable with? Most people don't. Take our quiz below and find out.

◷ Takes just 2 minutes
◈ 10 questions
◉ Your results stay private
Question 1 of 100%
Question 1
How would you describe your current stage of life?
Early career (20–34)
Building savings, long investment horizon
Mid career (35–49)
Growing wealth, medium-term goals
Pre-retirement (50–64)
Consolidating assets, approaching drawdown
Retirement (65+)
Income focus, capital preservation
Question 2
If your portfolio dropped 20% in a single month, what would you do?
Sell to stop further losses
Capital safety is the priority
Move some to safer assets and wait
Reduce exposure, stay partly invested
Hold — trust the long-term plan
Comfortable with short-term volatility
Buy more — it's a discount
High conviction, long time horizon
Question 3
What is your primary financial goal right now?
Protect what I already have
Capital preservation above all
Generate stable, regular income
Dividends, interest, rental returns
Grow my wealth steadily over time
Balanced mix of income and growth
Maximise long-term wealth accumulation
Accept higher short-term volatility
Question 4
How long before you may need to access this money?
Under 2 years
Near-term need
2–5 years
Medium-term horizon
5–10 years
Long-term growth window
10+ years
Wealth building or retirement planning
Question 5
What is your approximate annual household income?
Under $60,000
Building financial foundations
$60,000 – $120,000
Middle income
$120,000 – $250,000
High income — tax strategy important
$250,000+
Complex structuring and tax planning
Question 6
Do you have an emergency fund covering at least 3 months of expenses?
No — still working on it
Safety net first
Partial — about 1–2 months
Some buffer, room to grow
Yes — 3–6 months covered
Good foundation in place
Yes — 6+ months covered
Strong safety net, ready to invest more
Question 7
How familiar are you with investing in shares, ETFs, or managed funds?
Not at all — just starting out
New to investing
Some — I understand the basics
Comfortable with general concepts
Confident — I actively invest
Regular investor, follows market news
Advanced — complex strategies
Options, leverage, SMSF, direct property
Question 8
How much of your total savings is currently inside superannuation?
Most of it (75%+) — super is my main asset
Retirement savings focused
About half (25–75%)
Mix of super and outside assets
Less than 25% — mostly outside super
Significant outside investment portfolio
I have an SMSF or complex structure
Sophisticated investor
Question 9
Which best describes your attitude toward investment losses?
Any loss is unacceptable
Capital safety is paramount
Small losses (up to 5%) are tolerable
Low risk appetite
Moderate losses (5–15%) are acceptable
Balanced outlook
Large swings (15%+) don't concern me
Growth focused, long-term view
Question 10
What is your biggest financial concern right now?
Outliving my savings in retirement
Longevity and drawdown risk
Paying too much tax
Tax minimisation and structuring
Not growing my wealth fast enough
Wealth accumulation strategy
Protecting my family's financial future
Insurance, estate planning, protection

You're one step away.

Enter your details to unlock your personalised risk profile, recommended Australian strategy, and a complimentary guide to your next financial step.

By submitting you agree to receive your results and relevant financial planning content from McKern. You can unsubscribe at any time. We do not sell your data. This quiz provides general information only and is not personal financial advice.
Your Risk Profile
-
%
Recommended Strategies — Australian Market

Australian Governing Authorities

ASIC MoneySmart — moneysmart.gov.au ATO — Superannuation Information APRA — Prudential Regulation Authority AFCA — Financial Complaints Authority ASIC — Verify Your Financial Adviser

Ready to turn your profile into a personalised financial plan?

Book a Free Consultation
General Advice Warning & Important Disclaimer

This quiz is provided by McKern Group Financial Services for general information and educational purposes only. McKern Group holds an Australian Financial Services Licence (AFSL). The content does not constitute personal financial advice as defined under the Corporations Act 2001 (Cth) and does not take into account your individual financial objectives, situation, or needs.

Before acting on any information from this quiz, seek personal advice from one of our licensed advisers. Verify any adviser via the ASIC Financial Adviser Register.

Tax outcomes depend on your individual circumstances (ATO). ASIC regulates financial advice. APRA oversees super funds. Complaints: AFCA.

Past performance is not a reliable indicator of future performance. All investments carry risk including possible loss of principal.

© 2026 McKern Group Financial Services  |  hello@mckern.co  |  Gold Coast, Australia

What happens next?

1
Complete the quiz Answer 10 quick questions at your own pace
→
2
Get your profile See your personalised risk profile instantly
→
3
Book a free consultation Talk to an adviser about your results