Investor Profile Questionnaire

Which of the following best describes your current stage of life?

Single with few financial burdens. Ready to accumulate wealth for future short term and long term goals.

A couple without children. Preparing for the future by establishing a home. Expecting to have or already have a high purchase rate of household and consumer items.

Young family with a home. You have an outstanding housing loan and childcare costs and maintain only small cash balances.

Mature family. You are in your peak earning years and your housing loan EMI is comfortably managed. You both work and your children are grown up and are on their own. You’re ready to start thinking about your retirement years.

Preparing for retirement. You own your home and have few financial burdens; you want to ensure you can afford a comfortable retirement.

Retired. You rely on existing funds and investments to maintain your lifestyle in retirement. You may already be receiving a pension and/annuity.

How familiar are you with investment matters?

Not familiar at all with investments and feel uncomfortable with the complexity.

Not very familiar when it comes to investments.

Somewhat familiar. I don’t fully understand investments, including the share 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.

How long have you been investing, not counting your own home or bank type deposits?

3 years or more.

Up to 3 years.

This is my/our first investment.

How long would you invest the majority of your money before you think you would need access to it?(Assuming you already have plans in place to meet short term cash flow and/or emergencies.)

In 2 years or less.

Within 3 – 5 years.

Within 6 – 10 years.

Not for 10 + years.

In some instances, tax savings can be obtained from investments but that might increase risk. Which of the following statements best describes your reason for investing?

Preferably guaranteed returns, before tax savings.

Stable, reliable returns, minimal tax savings.

Some variability in returns, some tax savings.

Moderate variability in returns, reasonable tax savings.

Unstable but potentially higher returns, maximize tax savings .

Assume you had an initial investment portfolio worth Rs.10,00,000. If, due to market conditions, your portfolio fell to Rs. 8,50,000 within a short period, say a month, would you then

Sell all of the investments. You do not intend to take risks.

Sell a portion of your portfolio to cut your losses and reinvest into more secure investments .

Hold the investment and sell nothing, expecting performance to improve.

Invest more funds to lower your average investment price.

If the value of your investments fell to Rs.6,00,000 over the next 12 months, would you then

Sell all of the remaining investment.

Sell a portion of the remaining investment.

Hold your investments and sell nothing, expecting conditions to improve.

Invest more funds. You can tolerate short term losses in expectation of future growth .

The table below shows the highest one-year gain and highest one-year loss on four different hypothetical investments of Rs.10,00,000. Given the potential gain or loss in any one year, where would you invest your money?

InvestmentPortfolio A B C D

Highest Gain Rs. 1,50,000 Rs. 2,05,000 Rs. 2,66,000 Rs. 3,13,000

Highest Loss Rs.-24,000 Rs. -64,000 Rs. -1,10,000 Rs. -1,46,000

Investment Portfolio A

Investment Portfolio B

Investment Portfolio C

Investment Portfolio D

Which one of the following statements describes your feelings towards choosing an investment?

I would prefer investments with little or no fluctuation in value and have a low degree of risk associated with them. I am willing to accept the lower return associated with these investments.

I prefer to diversify with a mix of investments that have an emphasis on low risk. I am happy to have a small proportion of the portfolio invested in assets that have a higher degree of risk in order to achieve a slightly higher return. I am prepared to accept a negative investment return of 1 in 10 years.

I prefer to have a spread of investments in a balanced portfolio. I am happy to have a negative return of 1 in 7 years.

I prefer to diversify my investments with an emphasis on more investments that have higher returns, but still having a small amount of low risk investments. I am happy to accept a negative return of 1 in 5 years.

I would select investments that have a higher degree of investment price fluctuation so that I can earn higher long term returns. I am happy to accept a negative return of 1 in 3 years in order to achieve this goal.

How secure is your current and future income from sources such as salary, pensions or other investments?

Not secure.

Somewhat secure.

Fairly secure.

Very secure.

Apart from your home, have you ever borrowed money to make an investment?

Yes (% of your total assets)

Would you consider borrowing money to make an investment?

Yes

Question 1 of 12

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Pension depending on the Mode of Annuity
Yearly	Half Yearly	Quarterly	Monthly
Rs. 2,30,550	1,12,375	55,494	18,361


Sum Assured	1,00,00,000	Age	32
Policy Term	30

First Year Premium
Mode	Premium	GST ( @4.5 % )	Total Premium
Yearly	3,60,730	16,233	3,76,963

Second Year Onward Premium
Mode	Premium	GST ( @2.25 % )	Total Premium
Yearly	3,60,730	8,116	3,68,846

POA

Lost Shares/Securities, Dividends, Demat of physical shares

PAN Service

WILL Estate Planning

Investment

Insurance Service

Tax Planning

Rupees To Dollor

InvestmentPortfolio	A	B	C	D
Highest Gain	Rs. 1,50,000	Rs. 2,05,000	Rs. 2,66,000	Rs. 3,13,000
Highest Loss	Rs.-24,000	Rs. -64,000	Rs. -1,10,000	Rs. -1,46,000

Benefits Details
Total Premium Paid (Approx)	1,10,73,509
Minimum Risk Cover	1,25,00,000
Maximum Risk Cover (Approx)	4,58,10,000
Matruity (Approx)	3,57,00,000
Post Matruity Risk Cover	1,00,00,000

Maturity Break-up
Sum Assured (A)	1,00,00,000
Accumulated Bonus (Approx) (B)	1,47,00,000
Final Addition Bonus (FAB) (Approx) (C)	1,10,00,000
Matruity (Approx) (A+B+C)	3,57,00,000

Premium
Mode	Premium	GST ( @18 % )	Total Premium
Yearly	19,600	3,528	23,128

Maturity And Death Benefits
Natural/Accident Death Benefit	1,00,00,000
Maturity Benefit	0