Risk Profiling What is Investment Risk Profiling? Investment risk can be described as the potential for actual investment return to vary from expectations. The higher the level of investment returns you are seeking, the more risk you generally need to be prepared to accept. Not everyone has the same attitude to risk. An Investment Risk Profile is basically a general description regarding an Investor’s attitude to risk. How will the Risk Profiling Questionnaire be used? In order to recommend investments that have the potential to offer a level of return that you desire, at a level of risk that you are comfortable with, it is important that we understand your attitude to risk. The Investment Risk Profile Questionnaire is one tool we use to assist us gain this understanding. Each answer is given a point. The total score would suggest the appropriate risk profiling and suitability of service for you. All question are mandatory to answer. Are there any right or wrong answers? There are no right or wrong answers, as only you can describe how you feel about risk. What if the situation described in a question has never happened to me? The questions are designed to gain a picture of what you would do in such circumstances, regardless of whether you have ever been in them before. Please answer as best you can. What if I need more information to answer the question? The questions are designed to see what you would do with limited information. Though in real life you could obtain more information, certainty is a rarity in making financial decisions. Please answer as best you can. What if none of the choices in a multiple-choice question is my preferred answer? Some questions give you a limited choice of responses. This is designed to obtain a picture of what you would do given the choices available. Please choose the closest option to how you would respond. Can my Risk Profile change? Yes, it is quite likely that your attitude to investment risk will change over time. This may be the result of investment market experience, or changing personal circumstances such as a change in employment status, family members becoming no longer dependent upon you, or receipt of an inheritance. What should I do if my Risk Profile changes? If your attitude to risk changes, your investments may no longer be suitable. You should contact us immediately to arrange a review of your financial plan and investments should you feel your Risk Profile has changed. Do I have to invest according to my Risk Profile? No, there are a number of reasons why it may be necessary for you to invest differently that your Risk Profile may suggest. These could include investing more conservatively if you require access to capital in the short to medium term, or investing more aggressively if you have started your investments later in life and have to take on additional risk in an attempt to achieve higher returns to meet your financial objectives. Name Mobile Number Email Permanent Account Number (PAN) - Only for KYC purpose I am willing to undertake the advisory services from Samriddhi Capitals. I hereby acknowledge that the answers which would be furnished during risk profiling exercise are true to best of my knowledge and belief. I understand that considering this exercise, Samriddhi Capitals will assess the suitability of advisory services to me. I hereby provide my consent to Samriddhi Capitals to connect with me over contact details provided herein. 1. What is your age group? 18 to 26 years 27 to 34 years 35 to 44 years 45 to 60 years Above 60 years None 2. What is your yearly income by all sources (in INR)? Below 5 lacs > 5 lacs to 15 lacs > 15 to 30 lacs 30 lacs + None 3. How secure is your current income sources? Not Secure Somewhat Secure Fairly Secure Very Secure None 4. What percentage of monthly income is allocated to pay off your debts? None 1 - 20% 20 - 40% 40% + None 5. What is the size of your emergency fund? Less than 1 month income 1 to 3 months income 4 to 6 months income More than 6 month income None 6. What is your investment goal? Capital Appreciation Regular Income Capital Appreciation as well as Regular Income None 7. How familiar are you with investment matters? Not familiar at all. Feel uncomfortable with complexity Somewhat familiar. I don't understand investments including stock / commodity market Fairly familiar. I understand the various factors which influence investment performance Very familiar. I use research and other investment information to make investment decisions. I understand the various factors which influence investment performance None 8. Which one of the following statement describes your feeling towards choosing an investment? Prefer investments with lower return in value and should have a low degree of risk Prefer to diversify my investments with an emphasis on low risk. Small proportion of portfolio be invested in high risker assets in order to achieve a slightly higher return. Spread of investments in a balanced portfolio Prefer to diversify my investments with an emphasis on higher return. Small proportion of portfolio be invested in low risk investments. Only select investments that have a higher degree of investment price fluctuation so that I can earn higher returns. Ready to accept negative returns None 9. When considering your investments and making investment decisions, do you think about the impact of possible losses or possible gains? Always concerned about possible losses Somewhat concerned about possible losses Usually consider possible gains Always consider possible gains None 10. Assume you had an initial investment portfolio worth Rs. 100,000. If, due to market conditions, your portfolio fell to Rs. 75,000 within a short period, say a month. What would you do? Sell all of the investments as you do not intend to take risk Sell a portion of your portfolio to cut your losses and reinvest into more secure investment assets Hold the investment and sell nothing. Expect performance to improve Invest more funds to lower your investment price None Kindly name the preferred service by reviewing our Services page, which best suits you and you would like us to serve you. Time's upTime is Up!
