• CONFIDENTIAL QUESTIONNAIRE GETTING TO KNOW YOU

  • CQ completed date
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    2 digit day, 2 digit month, 4 digit year

  • In order for Paul Melling Retirement Planning to be able to make appropriate recommendations for your investment portfolio it is important for us to have a good understanding about a number of non-financial and lifestyle issues as well as your current financial position. To help us in this regard a number of specific questions are asked below. Feel free to express your feelings fully in your answers. If any questions are not relevant to you please simply skip that question and leave it blank. The information collected in this Questionnaire is kept strictly confidential by Paul Melling Retirement Planning. You can access our records of your information upon request. If you choose not to provide complete and accurate information about your circumstances, we will be unable to provide you with appropriate advice.

  • Are you completing this questionnaire just on your behalf or do you have a partner*

  • PERSONAL DETAILS

  • Date of Birth*
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    2 digit day, 2 digit month, 4 digit year

  • PARTNER'S PERSONAL DETAILS

  • Date of Birth*
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    2 digit day, 2 digit month, 4 digit year

  • ATTITUDE TO RISK

  • Which of the following best describes your attitude to risk?

    Very Conservative - I am not willing to accept negative returns from my investments. I do not wish to have any exposure to the sharemarket. I accept that my investment returns will be limited by this condition.

    Conservative - I am willing to accept fluctuations in the value of my investments including small negative returns from time to time. I would not wish to have more than 20% exposure to the sharemarket.

    Average - I am willing to accept fluctuations in the value of my investments and realise that negative annual returns are likely to occur from time to time. I would like to have between 20% and 50% exposure to the sharemarket.

    Aggressive - I would like to have between 50% and 70% exposure to the sharemarket and accept that the value of my investment portfolio will experience significant fluctuations from time to time.

    Very Aggressive - I would like to have at least 70% exposure to the sharemarket and realise that large positive and negative returns may be generated from year to year.

  • SOCIAL SECURITY BENEFITS
    There are specific investment strategies which enable investors to maximise Social Security benefits. Receipt of even a small part pension can provide a valuable range of concessions eg. Health Benefits card, subsidised rates, etc. Do you currently receive any Centrelink Benefits? Are you interested in claiming such benefits?
  • ESTATE PLANNING
    Describe your attitude to passing on assets to your children/dependants. At one extreme you can maximize your income in your lifetime to enjoy a higher standard of living whilst leaving your family home as the major part of your estate. On the other extreme you can live frugally whilst building up your assets for your estate.

  • SUMMARY OF INCOME AND ASSETS

  • Property

  • Cash and Term Deposits

  • Equities

  • Superannuation

  • PLEASE ATTACH A COPY OF YOUR CURRENT SUPER AND/OR PENSION FUND STATEMENT(S).
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  • Other income sources

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  • INCOME REQUIREMENTS IN RETIREMENT

    General Comments: Our experience indicates that most retirees spend more money in the first 5-10 years of their retirement.

  • I/We would you like an income of $ for the first      years of my / our retirement and $   pa thereafter.

  • CAPITAL REQUIREMENTS AT RETIREMENT

    General Comments: Often retirees need to clear outstanding debts or set aside additional capital from their retirement lump-sum to purchase one-off items such as a new car, overseas trips, etc.

  • DESIRED PORTFOLIO CHARACTERISTICS

  • Please let us know how important the following characteritics of your investment portfolio are:

  • DO YOU EXPECT ANY INHERITANCES?
    It is helpful in making longer-term investment recommendations to know if there are any possible inheritances which you may receive.
  • ATTITUDE TOWARDS FEES
    It is possible to minimize investment fees by not paying for "active management" of your portfolio. Do you prefer to minimize fees in this way or are you happy to pay fees to have your portfolio managed for you?
  • DO YOU HAVE A SELF MANAGED SUPER FUND (SMSF)?
    If so, please detail the reasons why you set up the SMSF and whether or not you wish to continue running the SMSF.

  • HOW CAN WE HELP YOU?

  • Acknowledgment/Declaration

  • The information provided in this Confidential Questionnaire is complete and accurate to the best of my/our knowledge. I/we understand that any investment recommendations and reports will be based upon the information contained in this document.

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