Member Investment Profile Questionnaire by hjkuiw354


									Member Investment
Profile Questionnaire

At LUCRF Super, we understand that                                           It is an aid to understand what kind of investor
everyone is an individual and has different                                  you are, where to invest your money and which asset
                                                                             classes to consider.
requirements and expectations from their
super, pension and investments.                                              Your member investment profile also takes into account
                                                                             many other factors, including your need for income or capital
That is why we offer a range of investment options to choose from.           growth, security and stability, your preferred investment time
                                                                             horizon, etc…
You can select one option or combine as many options as
you like, that way you have the right mix of investments that                To find out what your investment profile is, just follow three
are appropriate for your attitude to risk and return.                        easy steps.

Investing can be difficult to fully understand, so we have created           Step 1 Read and answer each question. Write your score at
this questionnaire to help you determine your investment profile             the base of each question.
and which investment option/s would most likely suit you.
                                                                             Step 2 Once all questions have been answered, simply
What is a member investment profile?                                         add up your total score. Refer to the table on page 4 to
                                                                             see which range your total score fits – this is your ‘Member
A member investment profile helps determine how
                                                                             Investment Profile’.
comfortable or uncomfortable you are with different
investments and their associated levels of risk (it measures                 Step 3 Consider your investment options. The table on page
your individual tolerance towards risk).                                     5 shows which LUCRF Super options match your investment

   Risk: generally means the volatility of investment returns, e.g. how       alTeRnaTives: In addition to the traditional asset classes of shares,
   often and how much they go up and down in value.                           property, fixed interest and cash, a variety of alternative assets such
   Time hoRizon: means how long the funds will be invested (this is           as infrastructure, private equity, high yield debt investments, and hedge
   the time you have to invest), either short, medium or long term.           fund strategies are increasingly becoming accepted investments. These
                                                                              investments are non-traditional and generally include both ‘defensive’
   ReTuRn: is the profit or loss of an investment. It is often measured
                                                                              and ‘growth’ characteristics. They aim to provide long term returns
   as the percentage gain or loss of an investment since purchase.
                                                                              which are not as sensitive to market fluctuations.
   It can be positive or negative. For example, each investment
   option offered by LUCRF Super has past investment returns (past            inflaTion: is generally understood as the cost of living
   performance). Refer to our Member Guide, Pension Member Guide              increasing, as measured by the Consumer Price Index (CPI). If
   or our website at for our returns history.                your investments do not keep up with inflation your money will
                                                                              lose its buying power over time.
   GRowTh asseTs: these are assets such as shares or property. They
   generally have a greater chance of higher returns, but due to this they    DiveRsificaTion: is a way of managing investment risks. By spreading
   also carry more risk. They usually have a greater chance of a negative     your investments across several asset classes you can minimise
   return and are more susceptible to market fluctuations and volatility.     risk. E.g. If one asset class underperforms, the loss can be offset by
                                                                              another asset class that overperforms in the same period.
   Defensive asseTs: these are assets such as cash or fixed
   interest. The returns are generally in the form of income rather
   than capital growth and are considered lower risk and more stable.
   They usually have less chance of a negative return.
   Step 1                                                                                                                           Question 5
                                                                                                                                    How concerned are you that the return on your investments (including super) is better than the rate of inflation?
   Please read and answer the following questions. Select your preference and write your score at the bottom of each question.
                                                                                                                                      Preferences                                                                                     score
   Question 1                                                                                                                         not concerned. I do not see inflation as a problem for me.                                          1
   Consider your primary goals, what is your investment time frame, or how long do you expect this money to remain invested?          concerned. Assets must grow at a minimum, in line with inflation to maintain
                                                                                                                                      purchasing power.
    Preferences                                                                                            score
                                                                                                                                      highly concerned. Asset growth must exceed the inflation rate so that real
    0 – 3 years                                                                                                 1                                                                                                                         3
                                                                                                                                      purchasing power grows.
    4 – 10 years                                                                                                2
    Longer than 10 years                                                                                        3                                                                                                          Your score: ________
    For as long as you live                                                                                     4
                                                                                                                                    Question 6
                                                                                                Your score: ________                What is your opinion regarding investing in shares, government bonds or managed funds
                                                                                                                                    (including your superannuation investments)?
   Question 2
                                                                                                                                      Preferences                                                                                     score
   Keeping in mind that the higher the expected return, the higher the risk, what return do you reasonably expect to
   receive from your investments?                                                                                                     I have no investment knowledge and unpredictable returns mean I would
                                                                                                                                      prefer to avoid investing in these.
         Preferences                                                                                       score                      I have some investment knowledge and I would be uncomfortable having a
         Less than 5%                                                                                           1                     large percentage of my money invested in these, due to the possibility of                           2
         5 – 8%                                                                                                 2                     negative returns.

         8 -10%                                                                                                 3                     I have some investment knowledge and I would be reasonably comfortable
                                                                                                                                      with having a large percentage of my money invested in these, despite the                           3
         Over 10%                                                                                               4
                                                                                                                                      possibility of negative returns.

                                                                                                Your score: ________                  I have good investment knowledge and I am comfortable with having a large
                                                                                                                                      percentage of my money invested in these as I am willing to face large                              4
   Question 3                                                                                                                         fluctuations as there is potential for higher long-term returns.

   Assuming you have an amount of money to invest, how would you invest it?
                                                                                                                                                                                                                           Your score: ________
         Preferences                                                                                       score
         The safety of my money is my primary objective. I would rather have a low
                                                                                                                                    Question 7
                                                                                                                1                   How would you react if your long-term investments declined by 10% in one year?
         rate of return than risk the loss of any part of my capital.
         I want my investment capital to remain relatively stable.                                              2                     Preferences                                                                                     score
         I am willing to accept some short-term fluctuations and even a small                                                         I can’t accept any declines in the value of my investments and therefore I only
                                                                                                                3                                                                                                                         1
         negative return in order to achieve higher long-term returns.                                                                want to invest in cash.
         In order to receive the maximum return on my investment, I expect to                                                         I generally invest for the long term but would be concerned with this decline.                      2
         receive negative returns at times.
                                                                                                                                      If I would still meet my long term investment objectives I would not be too
                                                                                                                                      concerned about my capital declining in the short term.
                                                                                                Your score: ________
                                                                                                                                      I invest for the long term and expect these fluctuations to occur due to
   Question 4                                                                                                                         short-term market influences.

   With regard to your investments (including super), what level of control do you want in making decisions regarding your goals?
                                                                                                                                                                                                                           Your score: ________
         Preferences                                                                                       score
         I do not feel comfortable with making my own investment decisions.
                                                                                                                                    Question 8
         Security of capital is my primary concern and I trust others to make the                               1                   Which of the following statements describe your feelings towards a chosen investment?
         decisions to achieve this.
                                                                                                                                      Preferences                                                                                     score
         I do not feel comfortable with making my own investment decisions. I invest
                                                                                                                                      My preference is for investments that are very low risk.                                            2
         for the long-term and therefore want some growth and I trust others to make                            2
         the decisions to achieve this.                                                                                               I prefer to invest mostly in low risk investments with 20 – 40% of my portfolio
                                                                                                                                      in higher risk investments such as shares and property.
         I feel somewhat comfortable with making my own investment decisions.
         I invest for the long-term and would like to have some say regarding the asset                         3                     I prefer to invest so that my money is equally split between growth assets and
         classes I invest in.                                                                                                         defensive assets.

         I am a sophisticated investor and long term investment returns are my                                                        I prefer to invest for higher returns but retain 20 - 40% in low risk investments.                  8
         primary objective. I would prefer to make my own decisions regarding how my                            4                     I can accept fluctuations in capital value to achieve higher long-term returns
         money is invested.                                                                                                           and would expect at least 90% of my money to be invested in growth assets.

                                                                                                Your score: ________                                                                                                       Your score: ________

page 2                                                                                                                                                                                                                                                  page 3
   Step 2
                                                                                                                                                             investment Profile              member’s Risk          lucRf investment option/s that                        example:
   TOTAL SCORE __________________                                                                                                                               classification               Profile Rating            might suit this risk profile               investment option allocation

   Simply add your score from each question to work out your total score. Refer to the table below to see which range your total                       Short-term                                    1              Mostly Cash with some Balanced             7% Balanced
   score fits - this is your ‘Member Investment Profile’.                                                                                                                                                                                                      93% Cash
                                                                                                                                                       Cautious                                      2              Mostly Conservative and                    20% Cash
   Investment Profiles                                                                                                                                                                                              Cash with some Balanced                    20% Balanced,
                                 member investment                                                                                                                                                                                                             60% Conservative
                                   Profile rating                  Rate of                                asset allocation                             Conservative                                  3              Conservative                               100% Conservative
         score ranges                classification           return per year #               Defensive                      Growth                    Moderate                                      4              Moderate or Balanced                       100% Moderate
         Up to 9                       Short-term                  5.76%                         95%                           5%                                                                                   or a mix of these

         10 to 14                       Cautious                   5.93%                         80%                          20%                      Balanced                                      5              Balanced                                   100% Balanced

         15 to 19                     Conservative                 6.72%                         70%                          30%                      High Growth                                   6              High Growth or a mix                       100% High Growth
                                                                                                                                                                                                                    of this plus Balanced
         20 to 24                       Moderate                   6.82%                         50%                          50%
                                                                                                                                                       Aggressive                                    7              Australian, International and              35%     Australian Shares,
         25 to 29                       Balanced                   6.70%                         27%                          73%
                                                                                                                                                                                                                    Indexed Shares, plus Property.             15%     International Shares,
         30 to 34                     High Growth                  6.58%                            5                         95%                                                                                                                              30%     Indexed Shares and
         35+                           Aggressive                  7.11%                           0%                        100%                                                                                                                              20%     Property

   #Rate is determined by Vanguard Investments Index Chart Calculator for the period 1 July 1995 to 30 June 2010.

                                                                                                                                                     The example investment option allocations listed are based upon LUCRF Super’s long-term objectives. Using these
   Step 3                                                                                                                                            example allocations can result in the allocation of growth and defensive investments that is slightly different. The
   Compare your investment profile to our investment options.                                                                                        important issue is to have a diversified exposure to a range of asset classes ensuring that the overall allocation of
                                                                                                                                                     ‘defensive’ to ‘growth’ assets are within a margin of approximately 5%.
   Now that you’ve worked out your investment profile, see which investment options might be most suitable for you.
                                                                                                                                                     Obviously this only provides an indication of what could be right for you. It does not replace proper financial advice, so you should
   Investment options available                                                                                                                      still speak to a LUCRF Representative if you are having trouble completing the questionnaire or if you don’t think your investment
   LUCRF Super has nine different investment options. You can choose one or a combination of these options to invest your super                      profile sounds like you.
   or pension. Our investment options are split into two categories ‘Pre-mixed’ and ‘Asset Class’ options and include:

   Pre-mixed investment options – these are diversified options that already have a mix of different types of assets (e.g. growth and
   defensive). They are designed to suit a range of investment profiles.                                                                                  If you would like to make an investment choice, please complete the Member Investment Choice Form at the back
                                                                                                                                                          of this questionnaire. Alternatively, if you have any questions, please call us on 1300 130 780. If you require any
   y Balanced (default)                                                                                                                                   further assistance with investment options, we are always happy to help. Remember, you can make an investment
   y Conservative                                                                                                                                         choice at any time.

   y Moderate                                                                                                                                             noTe: If you wish to change your LUCRF Pension investment option, or mix of options please complete a Pension Member
   y High Growth                                                                                                                                          Investment Choice Form available from or call the fund directly.

   Asset Class investment options – these options invest in a single asset class so to get a mix of assets you need to mix and
   match these options to get the right proportion of growth and defensive assets.

   y Cash
   y Indexed Shares
   y Australian Shares
   y International Shares
   y Property

   The majority of our members are invested in the Balanced (default) option. This is the option that you will be invested in automatically if
   you don’t make an investment choice. This option is a diversified pre-mixed option with both growth and defensive assets.

   Which option suits you?
   The table below shows how the different LUCRF Super investment options can be used to match each investment profile. We
   believe that our Balanced (default) option is suitable for the majority of members over the long term. However, look at your
                                                                                                                                                 Contact LUCRF Super
   investment profile below to see which other options may also be suitable for you.
                                                                                                                                                 1300 130 780
                                                                                                                                                 Post       PO Box 211 North Melbourne VIC 3051

                                                                                                                                                 Fax        (03) 9326 6907

                                                                                                                                                 Issued September 2010 by LUCRF Pty Ltd ABN 18 005 502 090 AFSL 258481 as Trustee for LUCRF Super ABN 26 382 680 883

page 4                                                                                                                                                                                                                                                                                           page 5
Member Details form
  Member Investment                                                                                                                                                             Step 2 Your investment choice – existing balance
  Choice Form                                                                                                                                                                   Complete this section if you would like to nominate or change the way your super account is invested.
                                                                                                                                                                                There are nine different investment options you can choose from. You can choose one option or a mix of options.

                                                                                                                                                                                Please invest my existing LUCRF Super account balance as indicated below: (use whole numbers only – no fractions)

                                                                                                                                                                                Pre-mixed investment options

                                                                                                                                                                                Balanced (default)
                                                                                                                                                                                                                                                              When you open a LUCRF Super account, your
          Complete this form if you want to change the way your super account                                                                                                                                                       %                         contributions are automatically invested in the
         is invested.
                                                                                                                                                                                                                                                              Balanced (default) investment option. This option
                                                                                                                                                                                                                                    %                         has a diversified mixture of growth assets such as
          When you open a LUCRF Super account, your contributions are automatically invested in the Balanced (default) investment option.                                                                                                                     shares and property, and defensive assets like cash
          This option has a diversified mixture of growth assets such as shares and property, and defensive assets like cash and fixed interest.                                                                                    %
                                                                                                                                                                                High Growth                                                                   and fixed interest.

          Please complete all relevant sections using CAPITAL LETTERS and a BLACK or BLUE pen.
                                                                                                                                                                                Asset Class investment options

    Step 1 Your personal details                                                                                                                                                                                                    %
    LUCRF Super membership number (if known)                                                                          Date of birth (dd/mm/yyyy)                                                                                    %
                                                                                                                                                                                Indexed Shares
                                                                                                                               /            /                                                                                       %
                                                                                                                                                                                Australian Shares
    Please cross [X] the appropriate box:    Mr           Mrs           Miss            Ms              Other (please specify)                                                  International Shares
    Surname                                                                                                                                                                                                                         %

                                                                                                                                                                                                                     MUST TOTAL 100%
    First name/s

                                                                                                                                                                                Step 3 Your investment choice – future contributions
    Residential/Street address (compulsory)
    Unit/Street number                             Street name                                                                                                                  Complete this section if you would like to change the way your future contributions are invested.
                                                                                                                                                                                Please cross [X] one box below to indicate how you would like your future contributions invested.

    Suburb/City/Town                                                                                                      State/Territory Postcode
                                                                                                                                                                                       Invest my future contributions the same way as my existing balance (see Step 2)

                                                                                                                                                                                       Invest my future contributions differently to my existing balance (nominate below)
    Postal address – if different to residential
                                                                                                                                                                                       If you select this option you must complete the section below.
    Unit/Street/PO Box number                      Street name

                                                                                                                                                                                Please invest my LUCRF Super account as indicated below: (use whole numbers only – no fractions)
    Suburb/City/Town                                                                                                      State/Territory       Postcode
                                                                                                                                                                                Pre-mixed investment options

                                                                                                                                                                                Balanced (default)
    Please send all correspondence to (please cross [X]):       Residential address           Postal address
    Contact details                                                                                                                                                             Conservative
    Home                                                                              Work                                                                                      Moderate
                                                                                                                                                                                High Growth
    Mobile                                                                            Fax
    Email address
                                                                                                                                                                                Asset Class investment options

                                                                                                                                                                                Indexed Shares
                                                                                                                                                                                Australian Shares
                                                                                                                                                                                International Shares

                                       Issued by LUCRF Pty Ltd ABN 18 005 502 090 AFSL 258481 as Trustee of LUCRF Super ABN 26 382 680 883                                                                           MUST TOTAL 100%
                                       Member Guide (combined Product Disclosure Statement and Financial Services Guide), 1 September 2010.
  020.1                                                                                                                                                                       020.1

   Member Investment Choice Form                                                                                                                   Page 1 of 3                 Member Investment Choice Form                                                                                                        Page 2 of 3
  Member investment switches

  Member investment switches received for current account balance and future contributions take effect as follows:
  Current balances: An application to change investment option for an existing balance is effective the day after the valuation of assets for
  those requests received by 5pm EST on the day of valuation. Assets are typically valued on a Monday.
  Future contributions: Receive the net cash rate from the date of receipt to the next valuation date, and the investment return for the selected
  investment option after valuation date.

  Calculating investment returns
  1. LUCRF Super values assets weekly and uses weekly rates to allocate net investment earnings to members.
  2. Valuations typically occur each Monday during the month and at month end.
  3. Valuations may not occur on a Monday for the following reasons:

     • When the first Monday of the month is within the first three business days of the month, the valuation is typically deferred to the following Monday
     • When the last Monday of the month is within the last three business days of the month, the valuation is typically deferred to month end, or
     • Where Monday is a public holiday, investments will be valued on the next business day.

  4. The valuation process uses the closing prices in the Australian and overseas markets in which we have investments. Unlisted
     investments and real estate assets are valued less frequently. We use the most recent valuation available.
  5. These rates allocate net investment earnings to members based on daily account balances. Investment returns are applied to members’ accounts:

     • When a benefit is paid
     • When an accumulation balance is transferred to a pension account
     • When a change to investment options is processed, and
     • Effective 30 June each year.

  6. Contributions and transfers in receive the net cash rate from the date of receipt to the next valuation date, and the investment return for the
     selected investment option after valuation date.
  7. Financial year-to-date and historical rates are shown on LUCRF Super’s website,

   Step 4 Sign and date this form
   • I acknowledge that I have read and understand the information contained in the current Member Guide in respect of investment choices, and
   • I understand that my request to select or change an investment option will be processed and investment returns applied in accordance
     with the procedures set out above.

   Sign (member signature)
                                                                                                                      Date (dd/mm/yyyy)
    ✗                                                                                                                          /         /

  Checklist                                                                              Send this form to:
   Before you send the form to us, make sure you have:                                   LUCRF Super
                                                                                         PO Box 211
   ✓ Completed all relevant steps                                                        North Melbourne VIC 3051
   ✓ Signed and dated this form
     S                                                                                   Fax: (03) 9326 6907

  If you need any help completing this form, please call us on 1300 130 780 or email

PRIVACY: LUCRF Super is committed to the National Privacy Principles set down by the Federal Government (see and has produced
a Privacy Policy. For a copy of the LUCRF Super Privacy Policy, call us on 1300 130 780 or visit


  Member Investment Choice Form                                                                                                                 Page 3 of 3

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