Wealth N Value

In order for us to provide financial planning advice to you, we need to have a reasonable basis for that advice. The information requested in this Client Risk Profile Questionnaire is one of the tools we use to establish a basis for the advice we will provide. It is therefore important for you to complete this document as accurately and fully as possible. Failure to do so could result in advice being provided that is not appropriate to your individual needs, circumstances and objectives.

Clients' financial risk tolerance - attitudes, values, motivations, preferences and experiences, is measured with a risk profile. The risk profile questionnaire helps in understanding the risk tolerance levels of a client. Risk tolerance is the assumed level of risk that a client is willing to accept. Financial Risk tolerance can be split into two parts:

The risk profiling questionnaire is meant to measure the risk tolerance as well as time horizon in investing. The questionnaire is designed to show which type of investment approach may suit you best. Each answer would be given a point. The total score would suggest the appropriate risk profiling and risk assessment and suitability of service for you.

Our advice: There are not any right or wrong answers, please follow your instincts and answer the questions. Please answer the following questions by selecting only one response to each question

IMPORTANT: Before making any investment decisions, it important to understand your attitude towards risk. This helps identify an appropriate mix of investments that you are comfortable with. Wealth n Value Investment Adviser Risk Profiling Tool will help you understand your ability to bear risk and identify the asset classes to match your investment needs

BASIC DETAILS

Your Name :-

Contact Number :-

Email Id :-

PAN No. :-

Date Of Birth :-

Gender :-

PHASE OF LIFE

2. Marital Status ?

Married

Unmarried

Widowed

3. Occupation (Please select the appropriate)?

Private sector service

Public sector

Government sector

Business

Salaried Employee

Professional

Agriculturist

Retired

Housewife

Student

Dealer

Others

4. Which of the following best describes your current stage of life?

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

Young family with a home. You have a mortgage and childcare costs and maintain only small cash balances

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

Preparing for retirement. You own your home and have few financial burdens; you want to ensure you can afford a comfortable retirement

Single with few financial responsibility. Ready to accumulate wealth for future short term and long term goals.

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.

INCOME & OBLIGATIONS

7. What percentage of monthly income is allocated to pay off debit [all EMIs]?

None

Between 0% -20%

Between 20% - 35%

Between 35% - 50%

> 50%

CURRENT INVESTMENTS & KNOWLEDGE

8. Market Value of all Liquid Assets (deposits, shares, Mutual funds etc)

Nil

<2 lacs

2-5 lacs

5-10 lacs

Above 10 lacs

9. What is the status of your accommodation? Those who own a house, choose from last two options only.

I stay with my parents/ spouse.

I live in company accommodation.

I live in a rented apartment

I own a house but am saving to buy a better house.

I own my dream house

10. How well do you understand investing in the markets

I am a novice. I don’t understand the markets at all.

I have a basic understanding of investing. I understand the risks and basic investment concepts like diversification.

I have an amateur interest in investing. I have invested earlier on my own. I understand how markets fluctuate and the pros and cons of different investment classes.

I am an experienced investor. I have invested in different markets and understand different investment strategies. I have my own investment philosophy.

RISK ATTITUDE & APETITE

11. Would you prefer buying a small cap stock like MMTC ltd which offers huge returns with huge risk over a stock like Reliance Industries which offers low returns with low risk.

I will prefer Reliance Industries Over MMTC because I would like to have low risk investment even it has lower return potential

I will buy both and diversify my portfolio

I will buy MMTC ltd because it has higher return potential and I will accept the high risk associated with it.

12. You have saved a long while to buy a car. A week before you buy the car, you lose your job. You…

Postpone your purchase.

Buy a new car but do not buy the expensive car you have saved for.

Go ahead with your purchase plan and buy the expensive new car.

Buy the car and go on a one-week vacation to celebrate the new purchase.

13. How secure is your current and future income from sources such as salary, Business income, pensions or other investments?

Very unstable

Unstable

Stable

Somewhat stable

Very Stable

14. What percentage of your total savings and investments are you looking to invest now?

More than 95%

Between 50% and 75%

Between 25% and 50%

Less than 25%

15. If your investment outlook is long-term (more than five years), how long will you hold on to a poorly performing portfolio before cashing in?

Not hold & cash in immediately if there is an erosion of my capital

I’d hold for 6 months

I’d hold for one - two years

I’d hold for more than two years

16 .Assume you lose your primary source of income, how many months of expenses can your emergency funds cover? ( This question is about how much risk averse you are )

I Currently have no emergency fund.

1-3 months income

4-6 months income

> 6 months income

17. Assume you had an initial investment portfolio worth INR 500,000. If, due to market conditions, your portfolio fell to INR 400,000 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.)

Cut losses immediately and liquidate all investments. Capital preservation is paramount.

Cut your losses and transfer investments to safer asset classes.

You would be worried, but would give your investments a little more time.

You are ok with volatility and accept decline in portfolio value as a part of investing. You would keep your investments as they are.

a) You would add to your investments to bring the average buying price lower. You are confident about your investments and are not perturbed by notional losses.

18. The table below shows the highest one-year gain and highest one-year loss on Six different hypothetical investments of INR 500,000. Given the potential gain or loss in any one year, where would you invest your money?

Choice	Worth Year	Best year
Investment A	5000	75000
Investment B	-25000	100000
Investment c	-50000	125000
Investment D	-70000	150000
Investment E	-90000	175000
Investment F	-95000	200000

19. How would you `honestly' describe yourself as a risk-taker?

Reckless

Willing to take evaluated risks

Careful

Low risk-taking capability

Extremely averse to risk

FINANCIAL OBJECTIVE

20. What is your Financial Goal

Regular Income

Capital Appreciation

Capital Appreciation and Regular Income

21. Your Preferred Investment Type

Short Term Investing

Long Term Investing

Intraday

22. What is your Investment horizon? How long can you keep your money invested in the market before needing access to it? Answer to this question depends on your financial objective.

Up to two years

Two and three years

Three and five years

Five years and Ten years

23. Available Investible Funds- Answer to this question considering your liabilities and saving habits.

<2 lacs

2-5 lacs

5 - 10 lacs

10-25 lacs

Above 25 lacs

Your Total Risk Assessment Score :-

Date :-

Analysis

In setting up an investment portfolio suitable for you, your financial adviser will ask you a series of questions about your financial and lifestyle goals. Using this information, plus details of your current assets, liabilities and income, your adviser can determine what level of risk or exposure you are prepared to tolerate in relation to fluctuations in the marketplace - and the level that makes sense for your stage in life. From this, an appropriate mix of assets can be allocated to your investment portfolio.

Indicative Investor Profile	Score	Description
High Risk Investor	81-140	As an High Risk Investor you are ready to take higher risk expecting greater returns. This is a result of your urge to get more income and capital growth. You are well place to recover from unforeseen market at downturns either because you have time on your side or access to capital returns.
Moderate Investor	51-80	As a Moderate Investor your portfolio should have a bias towards capital growth and a little need of income. You are prepared to accept higher degree of volatility and risk. Your primary concern is accumulating assets over the medium to long terms..
Low Risk Investor	0-50	As a Low Lisk Investor your Investment portfolio is focused on Preservation of capital and current income .Your primary concern is capital protection and avoiding high risk investment.

Disclaimer

The information received from subscribers is for our personal use. Investing involves a great deal of risk, including the loss of all or a portion of your investment, as well as emotional distress. Nothing contained herein should be construed as a warranty and guarantee of investment results. All risks, losses and costs associated with investing, including total loss of principal, are client responsibility.

Note* : This is a computer generated form does not require signature.

BASIC DETAILS

PHASE OF LIFE

INCOME & OBLIGATIONS

(A) Primary Source

(B) Secondary Source

CURRENT INVESTMENTS & KNOWLEDGE

RISK ATTITUDE & APETITE

FINANCIAL OBJECTIVE

Analysis

Disclaimer

RISK PROFILE ASSESSMENT

BASIC DETAILS

PHASE OF LIFE

INCOME & OBLIGATIONS

(A) Primary Source

(B) Secondary Source

CURRENT INVESTMENTS & KNOWLEDGE

RISK ATTITUDE & APETITE

FINANCIAL OBJECTIVE

Analysis

Disclaimer