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RiskAppetiteAnalyzer

following Information can help us understand your Investment, risk and return preferences
It will also help us In determining the appropriate saving and investment st rategy for you.

1. Which age group do you belong to?

POINTS
D 18 to 30 years 50
□ .}
1 to 40 years 40
lil"41 to 50 years 30
D 51 to 60 years 20
□ 61 and above 10
2. Have you Invested in one or more of the followin�?

D Fixed Deposits or Recurring Deposits with Banks or Post Office, Certificates of Deposit, POINTS
Capital Protected Products, NSC, KVP 10
D Bonds, Bond Funds, Infrastructure Bonds 20
D Mutual Funds (Balanced Fund), Gold ETFs 30
D Foreign Currencies 40
0 Stocks, Open-Ended Equity Linked Mutual Funds, Equity Fund Oriented ULIP, 40
Commodities, Options & Futures (Derivatives)

3. In your opinion, what should be a comfortable investment horizon for equity or

equity based products?
POINTS
D Up to 5 years 10
□Between 5 and 7 years 20
□ Between 8 and 1O years 30
D Between 1 O and 15 years 40
D Over 15 years 50

4. Which of the following, best describes your investment practices?

D Protect the value of my investment. In order to minimize the chance for loss, I am willing to POINTS
accept the lower long-term returns provided by conservative investments. 10
D Keep risks to a minimum while trying to achieve slightly higher returns than the returns 20
provided by investments that are more conservative.
D Balance moderate levels of risk with moderate levels of returns. 30
D Maximize long-term investment returns. I am willing to accept large and sometimes 40
dramatic short-term fluctuations in the value of my investments.

5. How would you react if your investments were to decline in value by 20% over
a one-year period?
POINTS
Withdraw all my funds immediately and move them to bank deposits. 10
Try to 20
Ider alternative strategies. 20
lhtegy with the time frame. 30
the market has become cheaper. 40
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6. What Is your willingness to risk shorter-term losses for the prospect of

higher longer-term returns?
POINTS
D High
Moderate 40
D
Nol sure 30
D
Low 20
D
10
7. An investment portfolio wtth high exposure to equity & �MUX.9.tlJ!� assets
tends to generate higher returns, but with some volatility (ffuctuations in value). To
what extent are you willing to experience volatillty to generate higher returns?

D I'm very comfortable. I understand that to generate higher returns there is risk of
fluctuation of my investments in the short-term. However, over the long-term, there is a POINTS
low risk of capital loss 40
D I'm somewhat comfortable, assuming there is a limit to the volatility 30
□ I'm a little uncomfortable seeing my investments fluctuate 20
□ I'm much more comfortable with investments that have minimal volatility 10

8. Which of the following best describes your attitude towards investment losses?
POINTS
D I would check the value of my investments at least several times a month and feel very
10
uneasy if I began to lose money.
□ I feel very uneasy if I made a loss on my investments over a 12 months period.
20
30
O I feel very uneasy if I didn't recover my losses within ��(. time frame.
40
D I still believe that in long-term my investments will yield better returns.

9. In the past, how would you describe your overall Inves tment decisions?
POINTS
D I've had some losses and am reluctant to invest in anything that fluctuates in value. 0
□ Good, I have stuck to stable and safe investments. 10
D I'm a � investor. 20
O Fair, however I would like to improve my returns. 20
D I have had some losses, but am willing to give it another chance. 30
D Good, I have been rewarded for making investments with fluctuating value. 40

10. Which of the following best describes your understanding of the investment
market?

□ I am an experienced investor and constantly keep up to date with the investment market. POINTS
I've had exposure to various asset classes and am fully aware of the risks involved to gain 40
high returns.
30
D My awareness of the financial market is limited to information passed on by my broker
or financial planner. I rely on the professionals to keep me updated.
D I have little awareness of the investment market. However, I have a desire to build my 20
knowledge and understanding.
10
D I'm not familiar with investments or financial markets.
 INVESTOR RISK PROFILE SUMMARY

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1
Orthodox 0% 100

Conservative 25% 101-200

Moderate 50% 201 - 300

Aggressive 85% 301-400

Highly Aggressive 100% 400 above

ACKNOWLEDGEMENT

Based on the results of the risk profile questionnaire and the above responses, I
am comfortable with investing in line with the Investment Risk Appetite Analyzer
as below:

D Orthodox
□ Conservative
D Moderate
O Aggressive
D Highly Aggressive

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