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You thought you and your childhood friend had the same likes and
dislikes, preferences and prejudices because you grew up together. Ever
wondered why he continues to put his money in bank fixed deposit while you
thrive on playing the stock markets? Its all about how different your risk
profiles are.....
Your risk profile is essentially determined by objective factors
(age,income level, number of dependents, security of your job) and subjective
factors (risk behaviour intrinsic to each individual's psychology).
The Risk Analyzer takes you through a series of scientifically
designed multiple choice questions to understand your risk taking capacity and
behaviour and thereby arrive at an assessment of your risk profile.
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| 1 |
Your age is : |
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Under 30 |
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30 - 40 |
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41 - 50 |
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51 - 60 |
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60 or over |
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| 2 |
Your current annual take-home
income is : |
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Under Rs.100,000 |
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between Rs.100,000 and Re.200,000 |
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between Rs.200,000 and Re.500,000 |
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between Rs.500,000 and Re.10,00,000 |
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over Rs.10,00,000 |
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| 3 |
The number of years you have until
retirement is : |
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3 years or less |
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3 to 5 years |
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5 to 10 years |
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10 to 15 years |
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15 years or more |
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| 4 |
Your present job or business is : |
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Is not dependable |
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Is relatively secure |
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Is secure |
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doesn't matter as you already have enough wealth |
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doesn't matter as you can easily find an equally good new
job/career
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| 5 |
What is your expectation of how
your future earnings would be : |
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It would far outpace inflation |
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It would be somewhat ahead of inflation |
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It would keep pace with inflation |
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It may not be able to keep pace with inflation |
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| 6 |
How would you describe yourself as
a risk-taker? |
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Careless |
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Willing to take risks for higer returns |
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Can take calculated risks |
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low risk taking capability |
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extremely averse to risk |
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| 7 |
How good is your knowledge of
finance? |
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I'm an expert in the field of finance |
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I'm proficient in finance |
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I don't know much about finance but I keep myself updated about
the developments through newspapers, journals, TV, etc. |
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Limited to knowing things like how the stock market or certain
select script is / are moving |
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I'm totally zero as far as knowledge of finance is concerned |
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| 8 |
If you lose your job or stop
working today, how long do you think your savings can support you |
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less than 3 months |
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3 - 6 months |
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6 months to 1 year |
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1 - 3 years |
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More than 3 years |
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| 9 |
If you had Rs.50,000 to invest,
which of the following choices would you make ? |
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Put the money in Bank Fixed Deposit and Bonds |
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Invest the money in Mutual Funds |
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Invest the money in Shares |
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Invest in a combination of the above with higher proportion of
Bank FDs and Bonds |
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Invest in a combination of the above with higher proportion of
Mutual Funds and shares |
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| 10 |
You have a market tip on the price
appreciation of a certain scrip, you : |
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Immediately invest in the scrip |
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Invest if you feel that the source of the tip is an experienced
/ expert market player |
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Do some enquiry and analysis and then decide |
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Want to invest but are generally unable to take a decision in
such cases |
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You don't rely on such tips or totally ignore it |
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| 11 |
You are on a TV game
show and you win Rs.10,000. You have a choice to keep the money or risk it to
win a higher amount. You : |
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Are happy with the Rs.10,000 that you've earned |
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Risk the Rs.10,000 on a 50% chance of winning Rs.30,000 |
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Risk the Rs.10,000 on a 25% chance of winning Rs.75,000 |
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Risk the Rs.10,000 on a 10% chance of winning Rs.1,00,000 |
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| 12 |
Which one of the following best
describes your feeling immediately after making an investment, you : |
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Are not bothered - its just another investment for you |
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Are satisfied and content with the decision |
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Are not very sure whether you made the right decision |
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Are worried |
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Generally regret your decision
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| 13 |
The stock market has dropped 25%
and a share that you own also dropped 25%, but the market expects the share to
go up again. What would you do ?
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Sell all the shares
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Sell some of them |
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Buy more of them |
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Keep all of them as you expect the price to reach the earlier
level |
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Keep all of them as you are afraid of booking a loss |
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| 14 |
You have a substantial sum of
money spare for about 6 months after which you need this sum to repay a loan,
thi s sum is currently not invested anywhere. You would:
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keep the money in your Bank Fixed Deposit or Open ended Debt Mutual Funds |
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invest the money in Open ended Equity Oriented Mutual Fund |
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invest the money in Equity Shares
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loan the money at market rates to businessmen
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invest the money in a combination of above
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| 15 |
You are financially responsible
for (exclude dependants who can be supported by your spouse's income)
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only yourself.
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1 person besides yourself
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2 to 3 persons besides youself
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4 to 5 persons besides youself
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more than 5 persons besides yourself
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