Annual Income (in Lakhs)
5-10
10-25
25-50
50-100
100 >

RISK PROFILE

1. Which of the following best describes your current stage of life?
Single with few financial burdens. Ready to accumulate wealth for future short term and long-term goals
A couple without children. Preparing for the future by establishing a home. Expecting to have or already have a high purchase rate of household and consumer items
Young family with a home. You have a mortgage and childcare costs and maintain only small cash balances
Mature family. You are in your peak earning years and your mortgage is under control. You both work and you may or may not have children that are growing up or have left home. You’re ready to start thinking about your retirement years.
Preparing for retirement. You own your home and have few financial burdens; you want to ensure you can afford a comfortable retirement
Retired. You rely on existing funds and investments to maintain your lifestyle in retirement. You may already be receiving a Government pension and/or Superannuation pension
2. How familiar are you with investment matters?
Not familiar at all with investments and feel uncomfortable with the complexity
Not very familiar when it comes to investments
Somewhat familiar. I do not fully understand investments, including the share market
Fairly familiar. I understand the various factors which influence investment performance
Very familiar. I use research and other investment information to make investment decisions. I understand the various factors which influence investment performance
3. How long have you been investing, not counting your own home or bank type deposits?
3 years or more
Up to 3 years.
This is my/our first investment
4. How long would you invest the majority of your money before you think you would need access to it? (Assuming you already have plans in place to meet short term cashflow and/or emergencies.)
In 2 years or less
Within 3 – 5 years
Within 6 – 10 years
Not for 10 + years
5. In some instances, tax savings can be obtained from investments, but this means taking on more risk. Which of the following statements best describes your goal for investing?
Preferably guaranteed returns, before tax savings
Stable, reliable returns, minimal tax savings
Some variability in returns, some tax savings
Moderate variability in returns, reasonable tax savings
Unstable but potentially higher returns, maximise tax savings
6. Assume you had an initial investment portfolio worth Rs. 1,00,00,000. If, due to market conditions, your portfolio fell to Rs. 85,00,000 within a short period, say a month, would you: (If your portfolio has experienced a drop like this, choose the answer that corresponds to your actual behaviour.)
Sell all the investments. You do not intend to take risks
Sell a portion of your portfolio to cut your losses and reinvest into more secure investment sectors
Hold the investment and sell nothing, expecting performance to improve
Invest more funds to lower your average investment price
7. If the value of your investments fell to 60,00,000 over the next 12 months, would you: (If your portfolio has experienced a drop like this, choose the answer that corresponds to your actual behaviour.)
Sell all the remaining investment
Sell a portion of the remaining investment
Hold the investment and sell nothing, expecting performance to improve
Invest more funds. You can tolerate short term losses in expectation of future growth
8. The table below shows the highest one-year gain and highest one-year loss on four different hypothetical investments of Rs. 1,00,00, 000. Given the potential gain or loss in any one year, where would you invest your money?
Investment Portfolio Portfolio A Portfolio B Portfolio C Portfolio D
Highest Gain + 15% + 20% + 26% + 31.3%
Highest Loss -2.4% - 6.4% - 11% - 14.6%
Investment Portfolio A
Investment Portfolio B
Investment Portfolio C
Investment Portfolio D
9. Which one of the following statements describes your feelings towards choosing an investment?
I would prefer investments with little or no fluctuation in value and have a low degree of risk associated with them. I am willing to accept the lower return associated with these investments
I prefer to diversify with a mix of investments that have an emphasis on low risk. I am happy to have a small proportion of the portfolio invested in assets that have a higher degree of risk in order to achieve a slightly higher return. I am prepared to accept a negative investment return of 1 in 10 years.
I prefer a spread of investments in a balanced portfolio. I am happy to have a negative return of 1 in 7 years
I prefer to diversify my investments with an emphasis on more investments that have higher returns, but still having a small amount of low risk investments. I am happy to accept a negative return of 1 in 5 years.
I would select investments that have a higher degree of investment price fluctuation so that I can earn higher long-term returns. I am happy to accept a negative return of 1 in 3 years in order to achieve this goal.
10. How secure is your current and future income from sources such as salary, pensions or other investments?
Not secure
Somewhat secure
Fairly secure
Very secure
Additional question
Apart from your home, have you ever borrowed money to make an investment?
Yes
No

Investor Knowledge and Experience

1. What is your highest level of education? Please pick the one that applies:
Primary or lower
Secondary
Diploma or higher
2. Please provide details if you hold a qualification related to financial markets
3. Please indicate the level of knowledge and/or experience you have in the asset classes listed below
My experience and knowledge on the following investment product is Knowledge Experience
Yes No None Limited (1-3 years) Experienced (>3 years)
Foreign Currency transactions
foreign Currency transactions knowledge Yes
foreign Currency transactions knowledge No
foreign Currency transactions experience None
foreign Currency transactions experience Limited (1-3 years)
foreign Currency transactions experience
Structured Products with Principal Protection
structured products with principal protection knowledge Yes
structured products with principal protection knowledge No
structured products with principal protection experience None
structured products with principal protection experience Limited (1-3 years)
structured products with principal protection experience
Structured Products without Principal Protection
structured products without principal protection knowledge Yes
structured products without principal protection knowledge No
structured products without principal protection experience None
structured products without principal protection experience Limited (1-3 years)
structured products without principal protection experience
Fixed Income (e.g. Bonds)
fixed income knowledge Yes
fixed income knowledge No
fixed income experience None
fixed income experience Limited (1-3 years)
fixed income experience
Mutual Funds
mutual funds knowledge Yes
mutual funds knowledge No
mutual funds experience None
mutual funds experience Limited (1-3 years)
mutual funds experience
Individual Equities
individual equities knowledge Yes
individual equities knowledge No
individual equities experience None
individual equities experience Limited (1-3 years)
individual equities experience
Derivatives, Options and Leverage
derivatives options and leverage knowledge Yes
derivatives options and leverage knowledge No
derivatives options and leverage experience None
derivatives options and leverage experience Limited (1-3 years)
derivatives options and leverage experience

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