You have some interest in exploring investment opportunities and are familiar with how they work in general. In particular, you accept the fact that, to get a good potential return on your money, you can expect to see some movement up and down in the value of your investments from time to time.
You may have experience of investing money in assets, such as managed funds, that can go up and down in value. You also understand the benefits of spreading your money across different types of investments. For your lump-sum investments to get a good potential return, you are willing to invest in an option that can give medium levels of ups and downs over time. When it comes to making regular savings or funding your pension, you are looking for good growth potential over the long term and so you are willing to accept quite significant ups and downs along the way.