Not sure where to invest?

Deciding where to invest your money is a big decision, and can sometimes be a bit daunting.  Use this Risk Profiler to help you better understand how your approach to risk translates to the investment options available to you.  (Risk refers to the likelihood of an investment losing value.)

All you need to do is answer the five simple questions on the following page.  From there, we'll calculate your score and show you the investment option that best matches your score.  You'll also find information about the other investment options available to you, so you can weigh up all the options.

To get started, click on the 'Next' button below.  First though, please make sure you read the Important Information below.

Important Information

This tool is provided by Mercer (N.Z.) Limited (Mercer), a licensed financial advice provider (FSP42742).  The operation of this tool is governed by our website Terms and Conditions and Privacy Statement.

Nature and Scope of financial advice service
Mercer's Risk Profiler tool can provide financial advice in respect of:

* Mercer KiwiSaver scheme (MKS)
* Mercer Super Trust (MST)
* Mercer FlexiSaver (MFS)

This tool is general in nature, it does not take into account your individual financial circumstances or any other investments you have.  This tool does not provide advice on other providers' products or provide investment-planning advice.

Reliability History
Mercer has not been subject to a reliability event.

A reliability event is something that might materially influence you in deciding whether to seek advice from Mercer.  As an example, it would include legal proceedings against Mercer.

Fees or Expenses
This risk profiler is provided free of charge.  In addition, Mercer does not charge fees, expenses or any other amount for financial advice provided to its clients.  However, there are fees attached to our products and Mercer receives income as Manager of the products listed above.

Conflicts of Interest and incentives
In this Risk Profiler, Mercer provides financial advice on the products above and will benefit financially if you invest in one of the products, as we are the Manager.

Mercer is not remunerated by commission or incentives.  To manage conflicts, we have a conflict of interest policy and framework in place and we take all reasonable steps to ensure our advice is made based on your goals and circumstances.  We regularly monitor and review the advice provided by this tool to ensure the recommendations are appropriate for investors.

Resolving a problem or complaint
Our goal is to provide quality financial advice.  You can find information on how to make a complaint and an overview of our internal complaints process on our website.

Our website also provides information about, and the contact details of the Insurance and Financial Services Ombudsman Scheme (IFSO), the dispute resolution scheme we belong to, which provides a free and independent service that may help investigate or resolve your complaint, if we haven't been able to resolve your complaint to your satisfaction.

Our Duties
Mercer has duties under the Financial Markets Conduct Act 2013 relating to the way that we provide financial advice to our clients.  We are required to:

·  Give priority to your interests by taking all reasonable steps to make sure the advice provided isn’t materially influenced by our own interests.
·  Exercise care, diligence, and skill in providing you with advice.
·  Meet the standards of competence, knowledge and skill set out by the Code of Professional Conduct for Financial Advice Services.
·  Meet the standards of ethical behaviour, conduct and client care set out by the Code of Professional Conduct for Financial Advice Services.

This is only a summary of the duties we have. More information is available by contacting us, or by visiting the Financial Markets Authority website at