Akshayee Wealth | Risk Profile Assessment

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Risk Profiling is an evaluation of an investor's willingness and ability to take risks.
This a very important step to be completed by an investor when you are engaging a Financial Planner for creating a new Investment Portfolio or reviewing/rebalancing an already existing one. Risk profiling helps to ensures that our investment recommendations are inline with your financial and emotional aptitude to engage in financial transactions.
While the assessment of risk profile on our end complicated process, it should take less than 5 minutes of your valuable time.
We request you to attempt the below questionnaire deliberately but, on the other hand, do not spend too much time deliberating on questions lest your natural risk impulse does not appear correctly in your answers.

Email *

Name *

Contact number *

What's Your Age Bracket? *

More than 60

45 to 60

35 to 45

Less than 35

What's your current Income Level?
*

Less than 6 lakhs p.a.

6 to 12 lakhs p.a.

12 to 24 lakhs p.a.

More than 24 lakhs p.a.

What's your current type of Occupation?
*

Retired

Salaried

Professional

Business

What's your Investment Experience in Capital Markets / Stocks / Equity Mutual Funds?
*

Less than 1 Year

1 to 3 Years

3 to 7 Years

More than 7 years

What's your typical Investment Time Horizon?
*

Less than 1 Year

1 to 3 Years

3 to 7 Years

More than 7 years

If the performance of an investment you have recently made is below your expectations or in negative, how would you feel?
*

Very upset

Somewhat upset, but hope that it will improve in the future

Uneasy but willing to take it in my stride

Not upset because I know that all investments carry risk

What do you normally associate the word 'Risk' with?
*

Danger

Uncertainty

Opportunity

Thrill

If you had to choose between being a salaried employee and running your own business, which one would you prefer?
*

Being a salaried employee

Doing a salaried job and may be run a part-time business

Running a partnership business

Running my own business

When you invest your money in any instrument, what thought comes to your mind first?
*

I should not lose my money

This should not turn out to be a bad investment

This should turn out to be a good investment

I know this is a good decision

After you have made an investment, how do you usually feel?
*

Very worried

Somewhat worried

Somewhat satisfied

Very satisfied

If you had the choice between a fixed salary and a partly variable one, depending on your performance and the profits of your company, which one would you prefer?
*

I would prefer a fixed salary, even if it is small

I would prefer most of my salary to be fixed, with only a small variable part

I would prefer half my salary to be fixed and the other half to be variable

I would prefer most of my earnings to be performance-linked

If you had to make an investment decision without consulting or discussing it with anybody, how would you feel?
*

Very unsure

Not very confident

Some what confident

Very confident

Experts tell you that investments are subject to risk and you have to be prepared for losses as well as gains. What is the level of loss in your investment that you are willing to accept?
*

I would hate to see any kind of loss in my investments

I will be willing to take up to a 20% loss

I can perhaps bear a loss of up to 40%

I am willing to take any kind of loss

If you looked at the portfolio of the investments that you have already made, how would you characterize them?
*

Only assured return investments

Limited investment in risky products

Divided between risky and safe products

Mostly risky investments

How familiar are you with the share markets and stocks?
*

Very little understanding or interest.

Have enough experience to understand the importance of diversification.

Know that markets fluctuate & different assets have different risk-return profile

Understand all investment sectors & know various factors influencing performance.

Equity assets can counter the eroding effect of inflation but is risky in short-term.
*

I don’t know what inflation is

Inflation may erode my savings but I have no tolerance for loss.

I am conscious of the risks inflation presents, but would prefer a middle ground.

I am comfortable with this trade off to beat inflation.

Interest rates can go up or down. If you had to take a loan and had the choice between a fixed rate and a variable one, which one would you prefer?
*

I will always choose a fixed rate

I will choose a combination of 70% fixed and 30% variable

I will choose a combination of 30% fixed and 70% variable

I will choose 100% variable

Your reaction if your investment dropped from Rs1,00,000 to Rs70,000?
*

Move the entire investment to cash

Move some of the investment to cash

Give it some more time

Invest more in that investment

If you were investing in a shares, which of the following would suit you best?
*

I am not interested in shares

A blue chip portfolio which pays regular dividends

A mixture of large cap & mid cap shares

A portfolio of shares whose value could rise or fall dramatically

Which of the risk/return scenarios would you be most comfortable with?
*

Low risk/return (maximum return 6% pa, minimum return 0% pa)

Moderate risk/return (maximum return 9% pa, minimum return -5% pa)

Above average risk/return (maximum return 12% pa, minimum return -10% pa)

High risk/return (maximum return 15% pa, minimum return -20% pa)

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