How would you react if What is your

your investments were willingness to risk

What is your major
Name to decline in value by shorter-term losses for
investment objective? 20% over a one-year the prospect of higher
period? longer-term returns?

Maintain the regular income Withdraw part of my

with some exposure to money and move it to Moderate
capital growth. an alternative strategy.

Maintain the regular income Wait until I recover 20%

Shuchi with some exposure to loss and then consider Moderate
capital growth. alternative strategies.
 Increase the amount
Maximize the growth of my invested if possible
Manish. investments. because the market has Moderate
become cheaper.

Maintain the regular income Remain invested and

Priya Bijapurkar with some exposure to follow the Moderate
capital growth. recommended strategy.

Withdraw part of my
Maximize the growth of my
Kunal money and move it to High
investments. an alternative strategy.

Maintain the regular income Remain invested and

Aditya Jaiswal with some exposure to follow the Moderate
capital growth. recommended strategy.
 Increase the amount
Maximize the growth of my invested if possible
Anubhav investments. because the market has Low
become cheaper.

Maintain the regular income Withdraw part of my

Divyanshu Tiwari with some exposure to money and move it to High
capital growth. an alternative strategy.

Maintain the regular income Wait until I recover 20%

Moupia with some exposure to loss and then consider Moderate
capital growth. alternative strategies.

Maintain the security of my Wait until I recover 20%

Anurup Chakraborty investments with regular loss and then consider Moderate
income on which to live. alternative strategies.
 Maintain the regular income Withdraw part of my
Shivam Agarwal with some exposure to money and move it to Moderate
capital growth. an alternative strategy.

Maintain the regular income Withdraw part of my

Harshil Patel with some exposure to money and move it to Moderate
capital growth. an alternative strategy.

Withdraw part of my
Maximize the growth of my
Archit money and move it to Moderate
investments. an alternative strategy.
 Increase the amount
Maximize the growth of my invested if possible
Nikhil Mishra investments. because the market has High
become cheaper.

Increase the amount

Maximize the growth of my invested if possible
Vivekananda investments. because the market has Moderate
become cheaper.
 An investment
portfolio with high
exposure to growth
assets tends to
generate higher Which of the In the past, how Which of the
My preferred
returns, though with following best would you describe following best
strategy for
some volatility describes your your overall describes your
attitude towards managing investment
(fluctuations in investment understanding of the
risk is:
value). To what investment losses? decisions? investment market?
extent are you willing
to experience
volatility to generate
higher returns?

I am very
comfortable. I Daily losses make me
understand that to uncomfortable, but I have little
generate higher are no cause for To have a diversified Not applicable, I am a awareness of the
returns there is risk of alarm. I would, investment portfolio first time investor or investment market.
fluctuation of my however, start to feel across a range of have only ever However, I have
investments in the very uneasy if I made asset classes to invested via my desire to build my
short-term. However, a loss on my minimize risk. superannuation fund. knowledge and
over the long-term, investments over a understanding.
there is a low risk of 12-month period.
capital loss.

I take substantial day- I have little

to-day changes in my To have a diversified Not applicable, I am a awareness of the
I am somewhat stride. However, I investment portfolio first time investor or investment market.
comfortable, would start to feel
very uneasy id I didn't across a range of have only ever However, I have
assuming there is a
recover any significant minimize risk.to
asset classes invested via my desire to build my
limit to volatility. superannuation fund. knowledge and
losses with a 1-2 year understanding.
time frame.
 I take substantial day- I have little
to-day changes in my To have a diversified awareness of the
I am somewhat stride. However, I investment portfolio Good, I have stuck to investment market.
comfortable, would start to feel
very uneasy id I didn't across a range of stable and safe However, I have
assuming there is a asset classes to investments. desire to build my
limit to volatility. recover any significant minimize risk. knowledge and
losses with a 1-2 year understanding.
time frame.

I take substantial day- I have little

to-day changes in my To have a diversified Not applicable, I am a awareness of the
I am somewhat stride. However, I investment portfolio first time investor or investment market.
comfortable, would start to feel
very uneasy id I didn't across a range of have only ever However, I have
assuming there is a
recover any significant minimize risk.to
asset classes invested via my desire to build my
limit to volatility. superannuation fund. knowledge and
losses with a 1-2 year understanding.
time frame.

I am very
comfortable. I Daily losses make me
understand that to uncomfortable, but I have little
generate higher are no cause for Not applicable, I am a awareness of the
returns there is risk of alarm. I would, To invest mainly in first time investor or investment market.
fluctuation of my however, start to feel capital stable have only ever However, I have
investments in the very uneasy if I made investments. invested via my desire to build my
short-term. However, a loss on my superannuation fund. knowledge and
over the long-term, investments over a understanding.
there is a low risk of 12-month period.
capital loss.

If my investments
suffered significant I have little
losses over a two-year To have a diversified awareness of the
I am somewhat period and I still investment portfolio Fair, however I would investment market.
comfortable, believed in my long- across a range of like to improve my However, I have
assuming there is a term strategy, I would asset classes to returns. desire to build my
limit to volatility. remain fully confident minimize risk. knowledge and
of a recovery in understanding.
performance.
I am very
comfortable. I If my investments
understand that to suffered significant I have little
generate higher losses over a two-year I don't want to Not applicable, I am a awareness of the
returns there is risk of period and I still reduce it as first time investor or investment market.
fluctuation of my believed in my long- investment risk leads have only ever However, I have
investments in the term strategy, I would to higher returns over invested via my desire to build my
short-term. However, remain fully confident the long-term. superannuation fund. knowledge and
over the long-term, of a recovery in understanding.
there is a low risk of performance.
capital loss.

I am very
comfortable. I I take substantial day-
understand that to I have little
to-day changes in my To have a diversified
generate higher awareness of the
returns there is risk of stride. However, I investment portfolio Good, I have stuck to investment market.
would start to feel
fluctuation of my very uneasy id I didn't across a range of stable and safe However, I have
investments in the asset classes to investments. desire to build my
short-term. However, recover any significant minimize risk. knowledge and
over the long-term, losses with a 1-2 year understanding.
time frame.
there is a low risk of
capital loss.

My awareness of the
I take substantial day- financial market is
to-day changes in my To have a diversified Not applicable, I am a limited to
I am little stride. However, I investment portfolio first time investor or information passed
uncomfortable seeing would start to feel
very uneasy id I didn't across a range of have only ever on by my broker or
my investments
recover any significant minimize risk.to
asset classes invested via my financial planner. I
fluctuate. superannuation fund. rely on the
losses with a 1-2 year professionals to keep
time frame. me updated.

Daily losses make me

uncomfortable, but I have little
I am much more are no cause for To have a diversified Not applicable, I am a awareness of the
comfortable with alarm. I would, investment portfolio first time investor or investment market.
investments that however, start to feel across a range of have only ever However, I have
have minimal very uneasy if I made asset classes to invested via my desire to build my
volatility. a loss on my minimize risk. superannuation fund. knowledge and
investments over a understanding.
12-month period.
I am very
comfortable. I I take substantial day-
understand that to I have little
to-day changes in my To have a diversified
generate higher awareness of the
returns there is risk of stride. However, I investment portfolio Good, I have stuck to investment market.
would start to feel
fluctuation of my very uneasy id I didn't across a range of stable and safe However, I have
investments in the asset classes to investments. desire to build my
short-term. However, recover any significant minimize risk. knowledge and
over the long-term, losses with a 1-2 year understanding.
time frame.
there is a low risk of
capital loss.

I am very
comfortable. I
understand that to I would check the
generate higher To have a diversified I have had some
returns there is risk of value of my
investments at least investment portfolio losses and am I am not familiar with
fluctuation of my several times a month asset classes toof
across a range reluctant to invest in investments or
investments in the anything that financial markets.
short-term. However, and feel very uneasy if minimize risk. fluctuates in value.
I began to lose money.
over the long-term,
there is a low risk of
capital loss.

If my investments
suffered significant I have little
losses over a two-year To have a diversified Not applicable, I am a awareness of the
I am somewhat period and I still investment portfolio first time investor or investment market.
comfortable, believed in my long- across a range of have only ever However, I have
assuming there is a term strategy, I would asset classes to invested via my desire to build my
limit to volatility. remain fully confident minimize risk. superannuation fund. knowledge and
of a recovery in understanding.
performance.
I am very I am an experienced
comfortable. I If my investments investor and
understand that to suffered significant constantly keep up to
generate higher losses over a two-year I don't want to Good, I have been date with the
returns there is risk of period and I still reduce it as
investment risk leads investments that can investment
rewarded for making market. I
fluctuation of my believed in my long- have had exposure to
investments in the term strategy, I would to higher returns over fluctuate in value. various asset classes
short-term. However, remain fully confident the long-term. and am fully aware of
over the long-term, of a recovery in the risks involved to
there is a low risk of performance. gain high returns.
capital loss.

I am very I am an experienced
comfortable. I I take substantial day- investor and
understand that to to-day changes in my To have a diversified Not applicable, I am a constantly keep up to
generate higher
returns there is risk of stride. However, I date with the
investment portfolio first time investor or investment market. I
would start to feel
fluctuation of my very uneasy id I didn't across a range of have only ever have had exposure to
investments in the any significant minimize risk.to
asset classes invested via my
short-term. However, recover superannuation fund. various asset classes
over the long-term, losses with a 1-2 year and am fully aware of
time frame. the risks involved to
there is a low risk of gain high returns.
capital loss.
 Have you ever
borrowed money to Do you require
make an investment regular income from For how long do you
other than your own your portfolio? (If expect most of your Do you wish to invest
home (Example: An 'yes', we may require money to be invested mainly for capital
investment property; to invest partly in before you would growth?
holiday home; share income producing need to access it?
portfolio; margin assets.)
loan; etc)?

No, but I am willing No Between 2-3 years. Yes

to consider it now.

No. Yes Between 2-3 years. Yes

No, but I am willing Yes Between 3-5 years. Yes
to consider it now.

No. Yes Between 2-3 years. No

No. Yes Between 2-3 years. Yes

Yes, but I am not

prepared to borrow Yes Between 3-5 years. Yes
at the moment to
invest.
No. Yes Less than 2 years. Yes

No. Yes Between 3-5 years. No

No. No Between 3-5 years. Yes

No. Yes Between 2-3 years. Yes

No. No Between 2-3 years. Yes

No, but I am willing Yes Between 3-5 years. Yes

to consider it now.

No. No Between 3-5 years. Yes

No. No Longer than 7 years. Yes

No. No Longer than 7 years. Yes

 This Questionnaire aims to uncover your attitude to investing, your understanding of financial markets and
Financial planning is a long-term process, and many investments that can be used to help achieve long-term
generally achieved, it may come with periods of negative returns. To ensure your financial goals are reached, g
The following questions help us to understand your tolerance for financial risk. The information gives us an
investment mix and products will be appropriate, or inappropriate,

What is your major investment objective?

a)    Avoid any fluctuation in the value of my investments.
b)    Maintain the security of my investments with regular income on which to live.
c)     Maintain regular income with some exposure to capital growth.
d)    Maximise the growth of my investments.

How would you react if your investments were to decline in value by 20% ov
a)    Withdraw all my funds immediately and move them to bank deposits.
b)    Withdraw part of my money and move it to an alternative strategy.
c)     Wait until I recovered the 20% loss and then consider alternative strategies.
a)    Remain invested and follow the recommended strategy.
b)    Increase the amount invested if possible because the market has become cheaper.

What is your willingness to risk shorter-term losses for the prospect of higher longer-term returns?
a)    High.
b)    Moderate.
c)     Not sure.
d)    Low.

An investment portfolio with high exposure to growth assets tends to generate higher returns,
in value). To what extent are you willing to experience volatility to genera

a)    I’m very comfortable.  I understand that to generate higher returns there is risk of fluctuation of my investme
term, there is a low risk of capital loss.
b)    I’m somewhat comfortable, assuming there is a limit to the volatility.
c)     I’m a little uncomfortable seeing my investments fluctuate.
d)    I’m much more comfortable with investments that have minimal volatility.

Which of the following best describes your attitude towards investm

a)    I would check the value of my investments at least several times a month and feel very uneasy if I began to l
 b)    Daily losses make me uncomfortable, but are no cause for alarm.  I would, however, start to feel very uneasy
month period.
c)     I take substantial day-to-day changes in my stride.  However, I would start to feel very uneasy if I didn’t reco
frame.
d)    If my investments suffered significant losses over a two-year period and I still believed in my long-term strat
in performance.

My preferred strategy for managing investment risk is:

a)    I don’t want to reduce it as investment risk leads to higher returns over the long-term.
b)    To have a diversified investment portfolio across a range of asset classes to minimise risk.
c)     To invest mainly in capital stable investments.
d)    I don’t understand the definition of ‘investment risk’.  I rely on my financial planner to achieve this.

In the past, how would you describe your overall investment de

a)    I’ve had some losses and am reluctant to invest in anything that fluctuates in value.
b)    Good, I have stuck to stable and safe investments.
c)     Not applicable.  I’m a first time investor or have only ever invested via my superannuation fund.
d)    Fair, however I would like to improve my returns.
e)    I’ve had some losses, but am willing to give it another go.
f)      Good, I have been rewarded for making investments that can fluctuate in value.

Which of the following best describes your understanding of the inves

a)    I am an experienced investor and constantly keep up to date with the investment market.  I’ve had exposure t
risks involved to gain high returns.

b)    My awareness of the financial market is limited to information passed on by my broker or financial planner. 

c)     I have little awareness of the investment market.  However, I have a desire to build my knowledge and under

d)    I’m not familiar with investments or financial markets.

Have you ever borrowed money to make an investment other than your own home (for exam
home; share portfolio; margin loan; etc)?
a)    No.
b)    Yes.
c)     No, but I’m willing to consider it now.
d)    Yes, but I’m not prepared to borrow at the moment to invest.
Total

Investor Risk Profile Summary

0% Growth Portfolio
Protection of capital or certainty of income is your only objective.  You do not wish to attain higher returns if you
investors with an investment term of less than 2 years or who are seeking a guaranteed level of income for a specified
30% Growth Portfolio
You are a defensive investor.   Risk must be very low and you are willing to accept lower returns to protect the valu
inflation  will  not  concern  you.   The  recommended  minimum  investment  term  is  2  years.    If  investing  for  less  th
Portfolio option.
40% Growth Portfolio
You are a cautious investor seeking better than basic returns, but, risk must continue to be low.  Therefore, you wil
within your portfolio, but, will consider the inclusion of some of the less aggressive growth investments.  Genera
returns while accepting some, limited short-term volatility.  The recommended minimum investment term is 3 year
should consider the 30% Growth Portfolio option.
50% Growth Portfolio
You are a cautious investor seeking a combination of income and growth from your investment portfolio.  General
goals  while  accepting  the  risk  of  short-medium  term  negative  returns.   Your  investment  mix  is  likely  to  include  a
aggressive range of growth investments.  Typically, this mix is suited to the investor seeking to protect the ‘real’ va
recommended minimum investment term is 4 years.  If you are investing for less than 4 years, you should consider th
70% Growth Portfolio
You are a growth investor.  You are willing to consider assets with higher volatility in the short-term (such as shares
medium-longer term.  Your investment mix will comprise a greater share of growth assets; allowing it to cope with th
The recommended minimum investment term is 5 years.  If you are investing for less than 5 years, you should consid
85% Growth Portfolio
You are a growth investor.  You are probably earning sufficient income from other sources to enable your investmen
higher volatility and moderate risks, your primary concern is to accumulate growth assets over the medium to long
spread across all asset sectors, which may also include some exposure to the more aggressive range of growth investm
If you are investing for less than 7 years, you should consider the 70% Growth Portfolio option.
100% Growth Portfolio
Your primary objective is capital growth.  You are an aggressive growth investor and are prepared to compromise y
returns.  You are willing to accept higher levels of risk.  Fluctuation in capital is acceptable in the short-medium term 
With the exception of a minimal level of cash for liquidity purposes, your investment mix will only consist of growt
and property. The minimum investment term is 7+ years.
nvestment market and economic conditions.
nature. However, while long-term growth is
rue to your financial plan during these periods.
ment profile and helps us to understand what
oals.

Points Shuchi
0
10
20 20
40

Points

10
20 20
20
30
40

Points
40
30 30
20
10

Points

40 40

30
20
10

Points

10
 20 20

30

40

Points
40
30 30
10
0

Points
0
10
20 20
20
30
40

Points

40

30

20 20

10

Points

0
30
20 20
10
220
Total
Points

<50

50 – 110

111 –
160

161 –
210

211 –
260

261 –
310

311 –
350
 Name

Maintain the regular

What is your major income with some
investment objective? exposure to capital
growth.

How would you react if Withdraw part of

your investments were my money and
to decline in value by move it to an
20% over a one-year alternative strategy.
period?

What is your willingness

to risk shorter-term
losses for the prospect Moderate
of higher longer-term
returns?

An investment portfolio Icomfortable.

am very
I
with high exposure to understand that
growth assets tends to generate higher to
generate higher returns, returns there is risk
though with some
volatility (fluctuations in of fluctuation of my
value). To what extent short-term. in the
investments
are you willing to
experience volatility to However, over the
long-term, there is a
generate higher low risk of capital
returns? loss.

Daily losses make

me uncomfortable,
Which of the following but are no cause for
alarm. I would,
best describes your however, start to
attitude towards feel very uneasy if I
investment losses? made a loss on my
investments over a
12-month period.
 To have a diversified
My preferred strategy investment portfolio
for managing across a range of
investment risk is: asset classes to
minimize risk.

Not applicable, I am
In the past, how would a first time investor
you describe your or have only ever
overall investment invested via my
decisions? superannuation
fund.

I have little
Which of the following awareness of the
investment market.
best describes your However, I have
understanding of the desire to build my
investment market? knowledge and
understanding.

Have you ever borrowed

money to make an
investment other than
your own home No, but I am willing
(Example: An
investment property; to consider it now.
holiday home; share
portfolio; margin loan;
etc)?

Do you require regular

income from your
portfolio? (If 'yes', we No
may require to invest
partly in income
producing assets.)

For how long do you

expect most of your
money to be invested Between 2-3 years.
before you would need
to access it?
Do you wish to invest
mainly for capital Yes
growth?