CLIENT
PROFILE
Private & Confidential
Your Names:
Your Financial Adviser:
Date:
FSG Version Provided:
Purpose of questionnaire
This confidential information questionnaire is an important document, because it helps your
financial adviser gather information about you: your current situation, your current and future
financial needs and what you ultimately hope to achieve in the future. Without this information, it
will not be possible for your adviser to build a financial plan (called a statement of advice) that takes
into account all of these factors. Not only is this good practice, it is also a legal requirement and we
accept no liability for any advice given on the basis of inaccurate or incomplete information.
There is also legislation requiring your financial adviser to take your confidentiality seriously.
However, we may disclose your personal information to our finance instructor to whom we may
outsource services such as mailing functions and accounting. We may also gather health information
about you and disclose it to insurers as necessary to organise insurance cover for you.
We may also use your personal information to tell you about other products and services available
from other related companies. Please contact Group 1 Financial Services on [email protected]
if you do not consent to us using or disclosing your personal information in these ways. It is
important that you contact us because by appointing Group 1 Financial Services as your financial
adviser, you will be taken to have consented to these uses and disclosures.
In most cases, you can gain access to the personal information that we hold about you. We aim to
ensure that the personal information we retain about you is accurate, complete and up to date. To
assist us with this, please contact us if any of your details change. If you have concerns about the
completeness or accuracy of your information, we will take steps to correct it.
Using this form
Please complete all sections of this questionnaire that are applicable to your circumstances. This
questionnaire is important as it forms the basis of any advice provided to you. Please feel free to
provide any additional information (i.e., investment or superannuation statements, budget details,
etc.) which you feel will help us to better understand your situation.
Please allow your adviser the time to work through this questionnaire and any relevant
paperwork. Providing complete and accurate information is the first step to security
Personal Details
You Your partner
Title
Family Name
Given Name
Preferred Name
Date of Birth
Marital status
How would you rate your health?
Are you a smoker?
Do you have private health
insurance?
Private Health Insurance Provider?
Level of Private Health
Insurance Cover?
Children and dependents
Name Date of Birth Dependent
No Yes until age
No Yes until age
No Yes until age
No Yes until age
Contact details
You Your partner
Home Address
(Suburb and Postcode)
Date moved in
Mailing address
(If different to above)
If less than 3 years please provide
Previous address and dates
Home Phone
Work Phone
Mobile
Email
Preferred Contact Work Mobile Home Email
Goals and Objectives
In this section, we ask you to tell us in your own words what you would like us to help you with.
Why is money important to you? What are your goals and objectives (financial and/or lifestyle)?
To assist us in providing you with suitable and appropriate advice, please rate your goals and
objectives in order of importance to you. The numbers represent:
1. Not important 2. Slightly important 3. Important 4. Very important 5. Most important
2. Why is money important to you?
Short term goals (less than 3 years)
Description Amount (K) Timeframe Level of importance
1 2 3 4 5
• • • • •
• • • • •
• • • • •
• • • • •
Medium term goals (3 to 5 years)
Description Amount (K) Timeframe Level of importance
1 2 3 4 5
• • • • •
• • • • •
• • • • •
• • • • •
Long term goals (more than five years)
Description Amount (K) Timeframe Level of importance
1 2 3 4 5
• • • • •
• • • • •
• • • • •
• • • • •
What is your main reason for seeking advice?
Should your adviser take into account any ethical, socially responsible, or
sustainable preferences when providing a recommendation? Yes or No
If yes, please specify your preferences:
Environmental issues, social issues, Corporate Governance issues, Further Details:
Planned Capital Expenditure
E.g., Holiday, new car, renovations, saving for children’s education.
Description Estimate Amount Timeframe
Retirement Planning considerations
You Your partner
When do you expect to retire? (Age
or year)
What amount of after-tax income do K K
you want in retirement?
Have you been receiving a Centrelink Yes or no Yes or no
or Veterans Affairs benefit?
How important to you is Important or Not Important or Not
receiving Centrelink benefits in Important Important
retirement?
Have you gifted any money within the Yes or no Yes or no
last 5 years?
Notes:
Employment Details
You Your partner
Occupation
Qualifications
Employment status
(Fulltime, self-employed)
If Self Employed
(Partnership, company)
Employer
Date joined the employer
Prior employment if less than 3
months (dates, employer, role,
income)
Do you have a HECS Debt?
Will you leave your employment soon?
If yes, when will you finish?
What is the reason you are
leaving? (Resignation, etc.)
Will you receive a redundancy
payment or termination payment?
Do you intend to return to
employment? If so, when?
Income Details
You Your partner
What is your Tax Payment?
What is your Annual
Salary/Employment Income?
Do you receive any
bonuses/commissions? Provide
details
Do you participate in any salary
packaging arrangements? i.e., motor
vehicle leasing, share schemes, salary
packaging card? Provide details
Investment Income:
• Interest
• Dividends/Distributions
• Rental income
Retirement Income Streams:
• Allocated Pension
• Allocated Pension
Income Support:
• Other:
TOTAL Income K K
What you own
Personal Assets
Description Owner Market Value
Principal residence (home)
Household contents
Car 1
Car 2
Other
Savings – Cash / Term Deposits (provide estimates only)
Description Bank / Owner Current Value
Institution
Investments – Managed Funds / Direct Shares
Description Bank / Owner Current Value
Institution
Superannuation – Accumulation / Pension / Self Managed Super Fund
Description Bank / Owner Current Value
Institution
Superannuation contributions
You Your partner
$ or % $ or %
Superannuation Yes No Yes No
Guarantee (SG)
Salary sacrifice Yes No Yes No
Personal deductible Yes No Yes No
Non-concessional (After tax) Yes No Yes No
Other Yes No Yes No
Self-Managed Superannuation Fund (Details)
Name
Trustees
Date of Trust Deed
Members
TFN and ABN
Investment Property
Description Date acquired Owner Original Market Value
purchase price
What you owe
E.g., Personal loans, HECS, loans to family members, business loans.
Description Lender Owner Amount Interest P&I or
owing rate Interest?
Notes:
Wealth Protection
Is wealth protection (personal risk insurance) to be considered at this
time? Yes No
Adviser note: If yes, complete wealth protection questionnaire with clients.
Personal Insurances
Please provide us with details of your existing Life, Total and Permanent Disability, Trauma, and
Income Protection cover.
CLIENT Amount of Provider Policy Annual
Cover Number Premium
Life via Super
Life outside of Super
Total and permanent disability
Trauma
Income Protection
Business overheads
Notes
Estate Planning
You Your Partner
Do you have a current Will? Yes No Yes No
Does your will reflect your current wishes? Yes No Yes No
When was it last reviewed?
Have your circumstances changed since it Yes No Yes No
was last reviewed?
Where is your will located?
Who is/are your Executor(s)?
Do you have a testamentary trust? Yes No Yes No
Do you have an Enduring Power of Attorney Yes No Yes No
(Financial)?
Name of Attorney/s?
Relationship to you
Do you have an Appointment of Medical Yes No Yes No
Treatment Decision Maker/Enduring Power of
Attorney (Medical)?
Name of Attorney/s?
Relationship to you
Do you have an Appointment of Enduring Yes No Yes No
Guardian?
Name of Guardian/s?
Relationship to you
Do you have an Advanced Health Directive? Yes No Yes No
Have you nominated a beneficiary for you? Yes No Yes No
superannuation?
Type of nomination Non-binding Non-binding
Binding Binding
Non-lapsing Non-lapsing
Reversionary Reversionary
What is the date this nomination was established?
Provide details of the nominated beneficiary(ies)
Are there any special estate planning issues or requirements such as special bequests,
testamentary trusts or substantial inheritances that your financial adviser should be aware of? If
yes, please detail:
Risk Profile Discussion
Understanding Risk and Return
Most people understand that to achieve higher returns they need to take on higher levels of risk.
They also understand that an ‘Aggressive’ portfolio has a higher level of risk than a ‘Conservative’
portfolio. What is less clear is the difference in returns and risks of the different portfolios.
This information sheet provides historical returns for different benchmark portfolios over the last 10
years. It has two important aims:
• Assist you in understanding the risk/return trade-off across different portfolios. For example, how
much higher are the returns and risks for a portfolio with a greater exposure to growth assets.
• Assist you in understanding the level of risk in each portfolio and the potential size of annual gains
and losses.
In using the information sheet, you should recognise that it is simply based on historical
performance and that future performance may be different. Unfortunately, there are no guarantees
with future performance and what you experience may be significantly different to what’s shown on
the table below. For example, the lowest annual return is the lowest return in the last 10 years and
it is possible that a lower return could occur in the next 10 years. The below information is provided
by Lonest, whom are a research house that produce reports on market performance.
Worst, Best and Average 12-month return based on a 10-year rolling performance:
Secure Defensi Conserv Balanc Growt High
ve ative ed h Growth
Worst annual return 0.8% -1.0% -9.8% -18.0% -26.3% -33.5%
Best annual return 7.8% 9.8% 14.8% 20.4% 27.5% 34.7%
Average annual 3.9% 5.9% 6.8% 7.5% 8.3% 9.0%
return
Worst, Best and Average 3-year return based on a 10-year rolling performance:
Secure Defensi Conserv Balanc Growt High
ve ative ed h Growth
Worst annual return 1.5% 3.1% -0.4% -3.6% -6.7% -10.1%
Best annual return 6.8% 8.7% 11.8% 15.4% 19.4% 23.4%
Average annual 4.1% 6.0% 6.8% 7.5% 8.1% 8.7%
return
• These returns are before fees, taxes and transaction costs. These will depend on the actual
investments used and your personal circumstances.
• These returns are based on index returns for each asset class. Index returns are a good
approximation of actual returns; however, the actual returns will depend on the actual
investments used.
Asset Allocation
The asset allocations for each benchmark portfolio determined are based on a standard risk return
basis as per Lonsec research, they will vary over time depending on market sentiment for each asset
class and future returns possibility. You may have your own views or have your own preferences on
how to invest your funds. For this reason, we also provide the indicative asset allocations for each
portfolio.
Secure Defensi Conserv Balanc Growt High
1 ve ative ed h Growth
CASH: 100% 25% 10% 5% 2% 0%
[100%] [15%- [0%- [0%- [0%- [0%]
35%] 20%] 15%] 10%]
BONDS: 0% 55% 50% 35% 18% 0%
[0%] [45%- [40%- [25%- [12%- [0%]
65%] 60%] 45%] 24%]
Zambian Fixed nil 28% 26% 18% 10% nil
Interests [15%- [114%- [10%- [6%-
42%] 38%] 27%] 15%]
International Fixed nil 27% 24% 17% 8% nil
Interests [13%- [12%- [8%- [4%-
37%] 34%] 23%] 12%]
EQUITIES: 0% 16% 32% 49% 68% 88%
[0%] [11%- [24%- [39%- [58%- [78%-
21%] 44%] 59%] 78%] 92%]
Zambian Shares nil 8% 16% 23% 32% 41%
[6%- [12%- [16%- [22%- [31%-
10%] 22%] 30%] 42%] 51%]
International Shares nil 8% 16% 26% 36% 47%
[6%- [12%- [16%- [24%- [34%-
10%] 22%] 36%] 48%] 63%]
PROPERTY & 0% 4% 8% 11% 12% 12%
INFRASTRUCTUR [0%] [1%-7%] [3%-9%] [8%- [8%- [8%-
E: 14%] 16%] 16%]
Zambian Listed nil 2% 3% 3% 4% 4%
Property [0%-5%] [0%-6%] [0%-6%] [1%-7%] [1%-7%]
International Property nil nil nil 2% 2% 2%
[0%-5%] [0%-5%] [0%-5%]
Direct Property nil 2% 3% 3% 3% 3%
[0%-5%] [0%-5%] [0%-5%] [0%-5%] [0%-5%]
Global Listed nil Nil 2% 3% 3% 3%
Infrastructure [0%-6%] [0%-6%] [0%-6%] [0%-6%]
Investment Profile Form
The investment profile questionnaire is used to help gain an understanding of your previous
investment experience and your attitude to risk. It is completed through discussion with you and
with reference to the “Understanding Risk and Return” section above.
There are no right or wrong answers - what is important is that we have a clear understanding of
your investment experience and feelings towards risk so that we can make recommendations which
are appropriate for you.
∙ Some people are comfortable investing solely in shares even though they understand the value of
shares can rise and fall sharply in a matter of days. During the GFC, shares fell by over 50% in
an 18-month period. Clients investing solely in shares are doing so on the basis that shares have
historically provided the highest returns over the long term despite these periods of significant
losses.
∙ Some people are not as comfortable with investing in shares. They prefer to invest in term deposits,
safe in the knowledge that their savings’ capital value won't go backwards. In return for this
security, they are prepared to accept that their returns will be less than those for share
investments.
∙ Most people fall somewhere in between. They have some investments in the higher risk / higher
return assets such as shares and property and some in the lower risks / lower return assets such as
cash and fixed interest. The task for most investors and their financial adviser is finding the right
balance.
INDICATIVE RISK PROFILE
Instructions - please indicate where you fall on the line by entering an X and moving it into the
correct position with your space bar.
1. Which of the following do you feel best describes your attitude toward investing?
Low risk taker not: Average risk taker
High risk taker prepared to take on greater risks for greater
prepared to take on risk: returns
2. Which of the following statements best describes your experience and knowledge of
I have taken very have significant
little interest in I have some I have taken an interest investment
investing and know experience with in my investments and experience and
very little about the investing and some have a good have a strong
markets understanding of understanding of understanding of
the markets the markets I the markets
3. Which of the following statements describes your feelings towards an investment?
I want my money to be grow by more than the I want my money to I want my money to
totally secure at all times rate of inflation and will produce solid returns produce a higher return
and I accept that lower accept a small level of and I accept that requires and I accept that it will
returns come with more risk a moderate level of risk involve higher levels of
secure investments with volatility and short- risk with volatility and
I want my money to term losses medium-term loss
4. If your savings went down in value by 25%, what do you expect you would do?
I would withdraw some of my funds investment with I would
all my funds and and move them my financial understand that
move them back back to term adviser and ask for investments can
to deposit deposits guidance fluctuate and
I would discuss the would do nothing
I would withdraw
5. Using the Portfolio Information Sheet & your answers from the questions considered
above, which Portfolio do you feel is most appropriate for you given your attitude to
risk?
Secure Defensive Conservative Balanced Growth High Growth
100% Defensive 20% Growth 40% Growth 60% Growth 80% Growth
80% Defensive 60% Defensive 40% Defensive 20% Defensive 100% Growth
Client 1
Client 2
6. Would you like to make any changes to the asset allocation of the suggested model
portfolio?
For example, reducing or increasing the allocation to any of the asset classes?
No [ ]
Our preferred asset allocation is; [ ] % Cash
[ ] % Bonds
[ ] % Property & Infrastructure
[ ] % Equities
[ ] % Other
File note – Risk Profiling Discussion (Adviser Use Only)
Next Steps
Your attitude to risk is just one factor to consider in determining the financial strategies and
products which are most appropriate for you. We will also consider other factors such as your
investment time frame, whether you require income from your investments and how different
investments fit with your tax planning.
Where you have clear financial goals, we may also complete projections using your selected portfolio
to assess whether you will reach your goals. In some cases, you may need to take on greater risk to
reach your financial goals. Alternatively, you may need to lower your goals to something more
attainable.
At this stage, we simply want to make sure you understand the level of risk in the portfolio selected
above and that you are comfortable with the level of risk for the portfolio.
⬜ I/we have read and understand the Risk Profile Discussion section, including the sub sections,
Understanding Risk and Return, Asset Allocation and the Investment Profile Form
questionnaire.
⬜ I/we understand the concept of risk, return and asset allocation and acknowledge that the
information provided is an adequate reflection of my/our attitude to investment risk and
timeframe.
Name
Signature
Date
Going forward, we will revisit your selected portfolio to ensure it continues to be appropriate for you.
Where we recommend a significant change to your portfolio, we will ask you again to confirm that
you are comfortable with the level of risk for the new portfolio.
Other Advisers
Description Name Address Telephone / Email
Accountant
Solicitor
Mortgage
Broker
May we contact your other Advisers to confirm details of your Yes No
current situation?
Client Acknowledgements
⬜ I/We hereby declare that the information set out in this form is true and correct to the best of
my/our knowledge and may have been compiled on my/our behalf and may not be in my/our
own handwriting. I/We have disclosed to Group 1 Financial Services all information that I
am/we are aware of that would be relevant to the provision of advice / recommendations by
Group 1 Financial Services.
⬜ I/We have willingly provided the information contained in this Client Profile which accurately
reflects my/our relevant personal circumstances and give consent to its use in the preparation
of advice / recommendations by Group 1 Financial Services.
⬜ I/We give permission for this information to be used in accordance with the purposes set out on
page 2 of the questionnaire and I/we understand that all recommendations will be based solely
on the information supplied in this form.
⬜ I/We authorise Group 1 Financial Services to communicate with me/us electronically via email or
via secure client portal. This includes documentation relating to advice, recommendations and
related disclosure documents.
⬜ I/We have been given a Financial Services Guide and Privacy Policy Version No. ……………… by
Group 1 Financial Services on ……………………………….
⬜ I/We understood the Privacy Policy and consent to the collection, use and disclosure of my/our
personal information in accordance with the procedures outlined in this policy. ⬜ I/We understand
that Group 1 Financial Services will provide us with a written quote for the services that they will
provide which we will need to accept prior to them commencing work or providing any advice and/or
recommendations to me/us.
⬜ I/We agree to the collection and retention of my/our Tax File Numbers (TFNs).
Name
Signature
Date
Adviser Declaration
⬜ I have discussed with the client(s) the importance of obtaining personal and financial details in
order to provide recommendations that are appropriate to their needs and circumstances.
⬜ Where the client(s) have not provided all of the details, I have warned them of the
consequences that the recommendations that I provide may not be appropriate to their needs
and circumstances.
Adviser Name
Adviser Signature
Date
