Portfolio Risk Calculator

Money in bank accounts, term deposits, or cash management accounts. Very low risk but minimal growth potential.

Fixed income investments like government bonds, corporate bonds, or term deposits. Lower risk than stocks with modest returns.

Investments in New Zealand and Australian companies. Higher growth potential but more volatile than bonds.

Investments in companies outside NZ/AU (US, Europe, Asia). Provides geographical diversification but adds currency risk.

Investments in developing countries (China, India, Brazil, etc.). Higher growth potential but much more volatile and risky than developed markets.

Real Estate Investment Trusts (REITs) or direct property investments. Provides diversification from stocks but can be less liquid and cyclical.

Gold, oil, agricultural products, or alternative investments like crypto. Very volatile and speculative - typically used for portfolio diversification in small amounts.