Risk Profiling Sanjit Singh Paul 10197 Risk profiling is the essential starting point for creating an investment plan and determining the suitability of an investment. We do this by measuring your Risk Preferences, Risk Capacity, and Risk Requirements. The PCR evaluation helps us narrow down the types of asset classes, market caps, instruments, and investment strategies that should go into your portfolio. Your responses are confidential and a copy will be emailed to you. Name Email PAN Date of Birth Please enter the text below By taking this quiz, you accept the results as your Risk Profile and Suitability Analysis submitted to Modulor Advisory Service for the generation of investment advice. P1. I am looking for returns which... can be slightly lower that the market but much less volatile. are slightly higher than the market but should be not more volatile than the market. are much higher than the market but can more volatile. None P2. Say you invested recently. Immediately after your investing the market moves up significantly and to gives you the "annual expected returns" within 1 month. You would... book profits for the time being. do nothing. invest more. None P3. You would worry about your investment if their value falls by... up to 10%. from 10% to up to 20%. more than 20%. None P4. When you make a considerable sized investment, how do you feel? Worried Satisfied Excited None P5. Growing capital is more important than keeping it safe. Neutral Agree Strongly Agree None P6. When making a new investment, you... feel anxious and paralyzed to take the decision. take the advice of a qualified expert. take an educated guess based on information you have gathered. None P7. Saving tax is... an important aspect of my investing. a considerable factor but not the primary factor. irrelevant to my investing. None P8. Say you invested recently. Immediately after your investing the market falls significantly and investments are down by 10%. You would... square up the investment and book the loss. do nothing. invest more. None P9. I am okay to invest in a portfolio which gives returns... between 7% to 11% with an expected return of 9% between 5% to 16% with an expected return of 12% between 3% to 21% with an expected return of 15% None P10. Keeping capital safe is more important than getting returns. Strongly Agree Agree Neutral None C1. My/ My family's financial net worth is in the range of... Financial net worth includes - Savings and deposits in Banks, Mutual Funds, Stocks, Bonds, PMS, AIF, Derivatives, Commodities, or any other financial instrument.It does not include real estate, gold, art, or any other physical or digital assets. up to INR 10 lac (US$ 20k) up to INR 75 lac (US$ 100k) up to INR 3.75 Cr (US$ 500k) more than INR 3.75 Cr (US$ 500k) None C2. My monthly investible surplus is... Investible surplus is the net amount (on average) that you can invest after paying your expenses and liabilities per month. up to INR 50k up to INR 1 lac up to INR 2 lac more than INR 2 lac None C3. How much of your income goes into savings or investments? Below 10% 11% to 30% 31% to 50% Above 50% None C4. My income can be described as... active but irregular. active and regular. a mix of active and passive. passive and regular. None C5. How many active earners are there in your family setup (including yourself)? An active earner is someone who gets a regular income (whether active or passive) and can support themselves independently. None One Two More than Two None C6. What portion of your income goes into servicing liabilities? Liabilities are EMIs for loans, credit card dues, etc. that are periodic in nature. One-time spends on cards that are outstanding but can be paid easily are not to be included. More than 25% of my income. 10 to 25% of my income. Less than 10% of my income. I have no debt. None C7. How many months of your living expenses are available to you as a contingency fund? A contingency is a scenario when your active income is interrupted due to any reason. Less than 6 months. 6 to 9 months. 9 months to 1 year. More than 1 year. None C8. For how many years have you been saving/ investing? I have no savings/ investments, but intend to start now. less than 3 years. 3 to 7 years. More than 7 years. None C9. What type of accomodation do you live in? Rented accomodation. Rent-free accommodation but not owned or not to be inherited. Rented accomodation, but own or will inherit a house. Own accommodation or a house which I will inherit. None C10. My annual take home income is... up to INR 10 Lac. Between INR 10 L to 25 Lac. Between INR 25 L to INR 50 Lac. Above INR 50 Lac. None R1. I am primarily investing for... creating a Cash-flow for replacing or supplementing my income. meeting Life Goals like a house, a car, an education, marriage, lifestyle, etc. for myself or my family. creating Wealth for retirement, leaving a legacy, generating good returns, etc. None R2. When would you want to liquidate your investments? within 3 to 5 years. within 5 to 10 years. More than 10 + years. None R3. I can be described as... Not earning / retired. Earning with dependants. Earning but no dependants. None R4. My age is... More than 55 Years. 30 to 55 Years. Less than 30 Years. None R5. My investment horizon is... Short-term (3 to 5 Years) Medium-term (5 to 10 Years) Long-term (10+ Years) None R6. My retirement corpus is... being consumed. I am in retirement. between halfway there and fully done. less than half way or not started. None R7. My life goals are... taken care of. clear cut with a time-frame in mind. fuzzy and/ or far into the future. None R8. My income... needs supplementation. is regular and steady. mostly passive. None R9. I have ______________ working years to go. less than 5. between 5 to 15. more than 15. None R10. I would prefer to... consume most of my investment gains. consume some of my investment gains and reinvest the balance. reinvest most/ all of my investment gains. None 1 out of 7 Time's up
