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investor!

What will your results be like? Here is one possible outcome along with the other investor types to give you an idea. The example graphs shown here are of $10,000 invested over 25 years with $50 added each week. To bring you these, we've based them on a range of assumptions and thousands of simulations. Your results will vary.

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Aggressive

Growth

Balanced

Conservative

Defensive

What to expect Investment mix Contributing regularly

As an

investor you...

Can achieve higher returns over the long term

Do not need regular income from their investments

Accept extreme ups and downs in the value of their investments

What can aan

investor expect?

Timeframe How long before you plan to use the money you're investing? For your investor type and mix, you'll need to commit to investing for at least this amount of time.

13 to yearsyears plus

Returns Returns are what you can expect to receive from investing in line with your profile. These come from your investments increasing in value or producing income. Figures shown here are before the effects of fees, taxes and inflation.

Return
p.a.

-8.7%

Range

-8.7% to 25.2%

Chance of loss Your investments can both gain and lose value for a while, causing your balance to rise and fall. How often might this happen? For your profile, here's an estimate of how often you could see your balance fall and experience a loss over the next three years.

Negative
Return

1 year in 4.1

6.9%

in the next three years

What mix of investments suits an

investor?

Your mix of investments (asset allocation) will drive your results – including the amount of money you get back (returns) and the ups and downs in value (volatility) you experience. For your specific profile, a typical mix might look like this:

90%

invested in growth assets

80%

Shares With shares you buy a slice of a company and receive part of its profit, either from dividends it pays or because its share price climbs. Here’s more about investing in shares.

10%

Property Property refers to commercial property or owning rental property. Here’s our property investing guide.

6%

Bonds With bonds you lend your money to a government or company and they pay you regular interest payments. Here’s more about investing in bonds.

1%

Cash Investors and fund managers will typically hold some cash, much like we would in a term deposit. Here’s more about investing in cash.

Within each kind of investment (asset class), it’s a good idea to spread your risk (diversify) across a variety of companies, industries and countries in order to smooth out the ups and downs. Some might not do so well, while others might do quite well – so it’s safer to diversify and not have all your eggs in one basket.

Explore funds with a similar mix on Smart Investor

View funds in Smart Investor

Steady investing makes a massive difference

Contributing regularly over time (dollar-cost averaging) is a way to get better results. When markets are up and investments are more pricey, the dollars you put in buy less. But when they’re down and investments are on sale, your money buys more. And it takes the guesswork out of deciding when to invest.

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investor

If you invested a lump sum of $10,000 and just left it for 25 years, it would only grow so much. What if you added to it each week?

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Sounds like you're aan aggressive growth balanced conservative defensive investor!

As an aggressive growth balanced conservative defensive investor you...

What can aan aggressive growth balanced conservative defensive investor expect?

Timeframe tool-tooltip How long before you plan to use the money you're investing? For your investor type and mix, you'll need to commit to investing for at least this amount of time.

13 to yearsyears plus

Returns tool-tooltip Returns are what you can expect to receive from investing in line with your profile. These come from your investments increasing in value or producing income. Figures shown here are before the effects of fees, taxes and inflation.

Return p.a.

-8.7%

Range

-8.7% to 25.2%

Chance of loss tool-tooltip Your investments can both gain and lose value for a while, causing your balance to rise and fall. How often might this happen? For your profile, here's an estimate of how often you could see your balance fall and experience a loss over the next three years.

NegativeReturn

1 year in 4.1

6.9%

in the next three years

What mix of investments suits an aggressive growth balanced conservative defensive investor?

90%

invested in growth assets

80%

10%

6%

1%

Explore funds with a similar mix on Smart Investor

Steady investing makes a massive difference

Boost your results as aan aggressive growth balanced conservative defensive investor

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Sounds like you're
aan

investor!

As an

investor you...

What can aan

investor expect?

Timeframe How long before you plan to use the money you're investing? For your investor type and mix, you'll need to commit to investing for at least this amount of time.

Returns Returns are what you can expect to receive from investing in line with your profile. These come from your investments increasing in value or producing income. Figures shown here are before the effects of fees, taxes and inflation.

Return
p.a.

Chance of loss Your investments can both gain and lose value for a while, causing your balance to rise and fall. How often might this happen? For your profile, here's an estimate of how often you could see your balance fall and experience a loss over the next three years.

Negative
Return

What mix of investments suits an

investor?

Boost your results as aan

investor