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The following questionnaire has been prepared to help you consider the various investment risks and to understand how they impact your personal circumstances. The questions define your attitude to security and the level of risk you are prepared to accept for your investments.
Please take the time to answer these questions as they will assist your financial adviser to develop an appropriate investment strategy that will meet your financial and lifestyle objectives.
Q.1 Which of the following best describes you?
You may have few financial burdens. Ready to accumulate wealth for future short term and long term goals.
You may have a home loan and childcare costs and currently maintain only small cash balances.
You are in your peak earning years and your loans & liability are under control.
You majorly rely on existing funds and investments to maintain your lifestyle post retirement.
Q.2 How familiar are you with investment matters?
You are not very familiar when it comes to investments.
You are somewhat familiar.
You don’t fully understand investments, including the share market.
You are fairly familiar.
You understand the various factors which influence investment performance.
You are very familiar.
You use research and other investment information to make investment decisions. You understand the various factors which influence investment performance.
Q.3 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 cash flow)
Q.4 In the event of a short term market crisis or sharp fall in interest rates you will?
Not panic as my investment horizon is for a long term and I will hold on to the same.
I will analyse my investments and prefer to switch the funds if possible.
I will invest more as this is the right opportunity to take benefit of lower price advantage.
I will panic and will try to exit from the investment.
Q.5 In case of a personal financial crisis/emergency you generally?
Q.6 Which of the following portfolios is most consistent with your investment philosophy?
Portfolio 1 will most likely exceed long-term inflation by a significant margin and has a high degree of volatility.
Portfolio 2 will most likely exceed long-term inflation by a moderate margin and has a moderate to high degree of volatility.
Portfolio 3 will most likely exceed long-term inflation by a small margin and has a small to moderate degree of volatility.
Portfolio 4 will most likely match inflation and has low degree of risk volatility.
Q.7 Which of the following type of investment will you prefer?
Your Risk Profile Score & Indicative Investor Category
Your Risk Profile score is
For you indicative
Risk Profile is
Score 7 - 19
You are a conservative investor who does not wish to take any investment risk. Your priority is safety of your investment capital. You are willing to sacrifice higher returns for peace of mind.
Score 20 - 35
You are a balanced investor with some understanding of investment & market behavior. You may very likely accept some short term risk to your capital. You do not wish to see your entire capital get eroded by tax and inflation and areprepared to take a small short term risk in order to gain long term capital growth.
Score 36 - 49
You are an growth oriented investor who understands the movement of financial markets. You are most interested in maximising long term capital growth, although you do not wish to make unbalanced investment decisions. You are happy to sacrifice short term safety in order to maximise long term capital growth.
Score 50 +
You are an aggressive investor. You are prepared to face market fluctuations in pursuit of the maximum long term capital growth of investments. You have good understanding of the behavior of financial markets and closely watch the performance of various investments options.
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