Your Risk Profile

Invest in Mutual Fund that suits your risk appetite and investment goals

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1. I fall in the following age band:

2 . The portion of my monthly income that goes towards household expenses and payment of loan instalments is:

3. Have I planned for and kept funds aside for meeting my financial goals like marriage, purchase of a home, child’s higher education, etc.

4. I usually pick the tried & tested-the slow, safe, but sure investments:

5. 5 to 10 years from now, I expect my investments to be:

6. By when do you require this money from your proposed investments?

7. The asset mix that most closely matches my own preference is:

8. If my equity portfolio is losing money, I will sell & exit from the investment if my loss exceeds:

9. I would be most comfortable with the following type of portfolio over a period of 5 years:

10. I don’t feel sorry about some bad investment decisions:

SECURE : SECURE investor is a risk-averse investor whose primary objective is capital preservation. Fixed income investment products would primarily form the majority of the portfolio for investor in this profile. The asset allocation would have very little exposure to equity mutual funds to reduce the risk of capital erosion. Ideally the asset allocation for investor under this profile would provide an opportunity to enhance overall returns. Recommended holding period for this profile is 3-5 years.

CONSERVATIVE : As a moderate investor, your objective may be to maintain a steady flow of income and fight inflation. While your knowledge of investments may be limited, you would be willing to take on calculated amounts of risk to try and earn a little extra. Although market volatility makes you uncomfortable, you would probably be able to see it through by staying invested for the medium term. Asset allocation for investor under this profile looks to create a steady flow of income while taking very little risk with the capital to take advantage of market opportunities. Recommended holding period for this profile is 5-10 years.

BALANCED : As a balanced investor, your aim may be to balance regular income and growth. You are willing to accept higher risks for potentially higher returns, but you would not want to endure large swings in the value of your investments. As you may have a fair idea of how to go about planning your investments, you would accept the possibility of getting back less than what you initially invested. The financial asset allocation of the investors in this profile aims to achieve a balance between fixed income assets & long term growth assets viz., equity mutual funds. Investors in this profile would be subject to intermittent price volatility and moderate risk to capital and is recommended for holding period of 10-15 years.

ENTERPRISING : As an Enterprising investor, your primary objective would be to grow your capital over the medium to long term. You may understand the intricacies of equity markets and their potential to outperform in the long run, and are willing to take on added the added risk. You would be aware that you may get back less than what you invested. The financial asset allocation of the investors in this profile aims to achieve growth through investment into long term growth assets viz., equity mutual funds and an optimum proportion of investment into fixed income investments. Investors in this profile would be subject to intermittent price volatility and moderate risk to capital and is recommended for holding period of 15-20 years.

AGGRESSIVE : As a growth investor, your primary objective would be to grow your capital very aggressively, over the long term. You may have the experience and wherewithal to take on added risks, would not be affected by short term volatility, and would take very aggressive calls based on the market environment. You would be aware that you may get back substantially less than what you invested. This profile would be subject to frequent price volatility and high risk to capital and is recommended for holding period of 20 years or more.


score

SCORING SYSTEM :

0-10 : Secure

11-20 : Conservative

21-30 : Balanced

31-40 : Enterprising

41-50 : Aggressive