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Morningstar State of the Australian Investor Survey 2026
1.
Approximately how much do you have invested (excluding your home, including your superannuation)?
Under $49,999
$50,000 - $249,999
$249,999 - $499,999
$500,000-$999,999
$1 million - $2 million
$2 million - $3 million
$3 million - $4 million
$5 million +
2.
How long have you been investing?
Less than 1 year
1-3 years
4-10 years
11-20 years
More than 20 years
3.
Are you retired?
Yes
No
4.
Which investments do you currently own?
Australian shares
International shares
ETFs
Managed funds
Investment property
Bonds/fixed income
Cryptocurrency
Cash savings
Other
5.
Do you make your own investment decisions?
Completely
Mostly
Shared with adviser and/or accountant
Adviser primarily decides
6.
How confident do you feel about your financial future?
0
10
Clear
7.
Do you feel you have the knowledge, resources, temperament and structure to make good financial decisions?
0
10
Clear
8.
Compared with 12 months ago, your confidence is:
Much higher
Slightly higher
About the same
Slightly lower
Much lower
9.
Which of the following concerns you most right now? (Choose up to 3)
Cost of living
Inflation
Retirement readiness
Housing affordability
Sharemarket volatility
Recession risk
Interest rates
Geopolitical tensions
Healthcare costs
Tax burden
Aged care costs
Employment security
Other
10.
Which concern has become MORE important over the past year? (Please choose up to 3)
Cost of living
Inflation
Retirement readiness
Housing affordability
Sharemarket volatility
Recession risk
Interest rates
Geopolitical tensions
Healthcare costs
Tax burden
Aged care costs
Employment security
Other
11.
Which concern has become LESS important over the past year? (Please choose up to 3)
Cost of living
Inflation
Retirement readiness
Housing affordability
Sharemarket volatility
Recession risk
Interest rates
Geopolitical tensions
Healthcare costs
Tax burden
Aged care costs
Employment security
Other
12.
How confident are you that you will have enough money for retirement?
0
10
Clear
13.
What concerns you most about retirement? (Please choose up to 3)
Running out of money
Inflation
Healthcare costs
Market downturns
Aged care costs
Not saving enough
Supporting family members
Longevity
Other
14.
Do you know how much income you will need in retirement?
Yes
Roughly
No
15.
During a market correction of 10% or more, what are you most likely to do?
Buy more investments
Hold existing investments
Sell some investments
Sell all investments
Unsure
16.
Have you ever regretted selling an investment in a time of pronounced volatility?
Yes
No
17.
Have you ever delayed investing because you were waiting for a market crash?
Yes
No
18.
Looking back, do you think that was the right decision?
Yes
No
Unsure
19.
Did any of the following events influence an investment decision you made during the past 12 months?
Interest rate changes by the Reserve Bank of Australia
Inflation data releases
Sharemarket volatility or market corrections
The Australian Federal Budget
Changes to superannuation policy
US election outcomes and policy announcements
Trade tariffs and global trade tensions
Geopolitical conflicts (Middle East, Ukraine or other conflicts)
Property market movements
Artificial intelligence (AI) investment trends
Company earnings results
None of the above
20.
As interest rate expectations changed, did you do any of the following?
Increased cash savings, including in an offset account
Bought dividend-paying shares
Bought fixed income investments
Bought ETFs
Invested more in property
Reduced investment risk
Increased investment risk
Delayed investing
Made no changes
21.
How often do you check your portfolio?
Multiple times per day
Daily
Weekly
Monthly
Quarterly
Rarely
22.
Which emotion best describes how you currently feel about investing?
Optimistic
Confident
Excited
Neutral
Cautious
Concerned
Anxious
23.
Why? (Concerning your answer to Q22)
24.
Which emotion most influences your investment decisions?
Fear of losses
Desire for gains
Fear of missing out
Regret for past actions
Anxiety about previous decisions
Social pressure to conform with other investors
25.
What is one financial decision you are glad you made?
26.
Which investment/topic are you most interested in learning about over the next 12 months?
Australian shares
International shares
ETFs
Superannuation
Retirement income
Property
Fixed income
Alternatives
Cryptocurrency
Tax
Estate planning
Portfolio Construction
Markets
27.
If you had $10,000 to invest tomorrow, where would you invest it?
Australian shares
International shares
ETFs
Super
Property
Cash
Fixed income
Cryptocurrency
Unsure
28.
What is the single biggest financial challenge facing you today?
29.
What does being financially successful mean to you?
30.
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