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Financial Risk Assessment |
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Please answer the following questions by identifying the choice which best describes you. |
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| 1. |
Please indicate your job status? |
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I have a reliable income and I expect my income will grow steadily |
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I have a job but I do not expect my income will grow very much |
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I have a job, not too secured but I have some reserve which allow me to live by without income for six months or so |
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I have a job and I heavily depend on it to finance my monthly household expense |
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I do not have a job and am seeking for one |
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I am retired or I am not working nor looking for a job |
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| 2. |
Please indicate the allocation of your current investment: (total allocation should be equal to 100%) |
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Stocks/Equities (Exclude those invested in funds/MPF) |
% |
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Bonds (Exclude those invested in funds/MPF) |
% |
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Unit Trusts/Mutual Funds (Exclude MPF) |
% |
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Savings/Time Deposits |
% |
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Property (Excluding the property that you are living in) |
% |
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Others |
% |
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| 3. |
Please rate the relative importance of your current investment goals: (Most important - 1; Least important - 6) |
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Relative Importance
1 - 6 |
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Save for retirement |
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Save for mid-term essentials (e.g. house, children's education in 5 - 10 years' time) |
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Use for shorter term essentials (in 2 - 3 years' time) |
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Cover immediate basic needs |
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Improve quality of life |
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No specific purpose, just want to improve investment returns |
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| 4. |
What is your expected return? |
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I want to keep pace with inflation |
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I want to outpace inflation moderately, e.g. between inflation and the stock market average |
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I want to outpace inflation significantly, e.g. near the stock market average |
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I want to outpace inflation significantly and outperform the stock market |
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I have no expected return |
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| 5. |
If your fund investment declined in value by 20% over a 6-month period, what would you do? |
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Cut loss immediately and move to a very secured investment |
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Cut loss and find another more promising fund |
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Worried but wait and see for another quarter or so |
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Understood there might be risk, look for long-term growth |
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Buy more of the fund while the price is low |
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| 6. |
How long can you tolerate seeing a loss of 20% in your long-term portfolio? |
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Cannot tolerate any loss |
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3 months |
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6 months |
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1 year |
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2 years |
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| 7. |
The following 5 graphs show 5 different scenarios for your portfolio over a one-year period, which one would you choose: |
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Choice a: Best Gain 3%, Loss 0% |
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Choice b: Best Gain 5%, Loss -3% |
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Choice c: Best Gain 10%, Loss -5% |
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Choice d: Best Gain 20%, Loss -10% |
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Choice e: Best Gain 30%, Loss -15% |
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| 8. |
How prepared are you for your retirement financially?
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| 9. |
How confident are you in your ability to make sound financial decisions?
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