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INVESTOR RISK PROFILE QUESTIONNAIRE
PART A
PART B
PART A
Name
(1) What is your age?
18-30
30-45
45-55
55-70
Above 70
(2) Which of the following best describes your current needs?
(a) You are looking to accumulate wealth over the long term
(b) You prefer stable capital appreciation to grow capital over a considerable period of time
(c) You would like to balance regular income and stable capital growth over time
(d) You are close to retirement and you want to ensure you are on track for your retirement needs
(e) You want to preserve capital even if the returns are low
(3) When do you expect the need to access all or part of your investments?
(a) Over 10 years(long term)
(b) 6-10 years(mid to long term)
(c) 2-5 years (short to mid-term)
(d) Less than 2 years (short term)
(e) less than 1 year (immediate access)
(4) What is your knowledge of financial markets and investments?
(a) Advanced: Familiar with most products including alternative asset classes(private equity, futures, options) including the performance and return aspects
(b) High: I understand research information and factors affecting security price movements
(c) Medium: I understand diversification and practice it
(d) Low: I have only some basic knowledge and I understand the difference between stock and bonds
(e) None: I have no knowledge of financial markets or investments
(5) How risky would you like your investments to be?
(a) You would be willing to take substantial risks for substantial rewards
(b) Short-term losses up to 30% are acceptable as long as the probability of a gain over the long - term is reasonable
(c) A medium loss of up to 15% is acceptable
(d) A small loss of up to 5% is acceptable
(e) You do not want to risk losing any of your capital, even if it means a low return
(6) How would you feel if a short-time after placing your investment it decreases by 20%?
(a) You would consider investing more to take advantage of the drop in price
(b) This was a calculated risk so you would wait, expecting the value to go up
(c) You would be concerned and keep an eye on the investment
(d) You would think about getting out of the investment and approach adviser for advice
(e) You would get out before it kept falling
(7) How many years have you been investing in investment products?
(a) Over 10 years
(b) 6-10 years
(c) 3-6 years
(d) Less than 3 years
(e) No experience at all
(8) Which investments do you own or have owned in the past?
(a) Private equity, futures, options (including securities below)
(b) Offshore investments (including securities below)
(c) Stocks and or stock funds, real estate and real estate funds (including securities below)
(d) Bonds and bond funds (including securities below)
(e) Money market funds or cash only
(9) If you held a investment portfolio for the next ten years how would you expect the average yearly return would compare to money invested in Fixed Deposit in a bank?
(a) More than three times the fixed deposit rate
(b) About three times the fixed deposit rate
(c) About twice the fixed deposit rate
(d) A little more than the fixed deposit rate
(e) About the same as the fixed deposit rate
(10) If you had to choose between a secure job with a reasonable salary and a highly paid job with less security, which would you pick?
(a) Definitely the highly paid job
(b) Probably the highly paid job and less security
(c) Would have to consider other aspects
(d) Probably the secure job with reasonable salary
(e) Definitely the secure job
(11) If you receive a financial windfall, e.g. an inheritance, what would you do with the money?
(a) If given the right opportunity, quit your job and start your own business
(b) Invest in a diversified share portfolio
(c) Put some in the bank and then get advice on where to invest the rest
(d) Initially put it on deposit and think about it
(e) Set up an adequate emergency fund
(12) Apart from home, have you ever borrowed money to make an investment?
Yes
No
PART B - INVESTOR RISK PROFILE ANALYSIS
Your Score:
Risk Profile Description
Conservative:
You are a Conservative investor. Risk must be very Low and you are prepared to except lower returns to protect capital. Your primary investment goal is capital protection. You require stable growth and/or a high level of income, and access to your investment within 3 years.
Cautious:
You are a cautious investor seeking better than basic returns, but risk must be low. Typically you are seeking to protect wealth which you have accumulated, you may be prepared to consider less aggressive growth investments. Your investment term is 3 years or more.
Prudent:
You are a prudent investor who wants a balanced Portfolio to work towards medium to long-term financial goals. Your primary investment goal is capital growth. You can tolerate some fluctuations in the value of your investment in the anticipation of a higher return. You don’t require an income and you are prepared to invest for 5 years or more. Calculated risks will be acceptable to you to achieve good returns.
Assertive:
You are an assertive investor, probably earning sufficient income to invest funds for capital growth. Prepared to accept higher volatility, your primary concern is to accumulate assets over the medium to long-term (5-10 years). You require a balanced portfolio, but more aggressive investments may be considered.
Aggressive:
You are an aggressive investor prepared to compromise Portfolio balance and can tolerate substantial fluctuations in the value of your investment in the short term to pursue potentially higher long-term returns. Your investment choices are diverse but carry with them a higher level of risk. Security of capital is secondary to the potential for wealth accumulation. You are prepared to invest for 10 years or more.
Do you accept the investor profile shown above?
Yes
No
How do you prefer to be rated?
