Client Risk Profiler

Personal Details:

Name:
Mobile Number:
Email Id:
Address:

City:

1. Please select your risk-return-volatility preference.

(a) Very high risk-return with very high intermediate volatility
(b) Moderately high risk-return with high intermediate volatility
(c) Balanced risk-return with reasonable intermediate volatility
(d) Low risk-return with low intermediate volatility
(e) Lowest risk-return and intermediate volatility

2. Please give your preference for income or capital growth from investments with time horizon
(a) Prefer capital growth, without need for steady income from investments
(b) Prefer a balanced mix of capital growth as well as regular income
(c) Prefer steady income over capital growth while investing over the long term (more than 5
years)
(d) Prefer steady income over capital growth while investing for the medium term (2-5 years)
(e) Prefer steady income over capital growth while investing for the short term (0-2 years)

3. Your current occupation?

(a) Contractual occupation with high earnings but short working life
(b) Business
(c) Self-employed professional
(d) Salaried employee
(e) Contractual occupation with seasonal employment

4. Your present age?

(a) 20-30 years
(b) 31-40 years
(c) 41-50 years
(d) 51-60 years
(e) Above 60 years

5. Number of dependents in your family including parents/grand parents, siblings, spouse and
children.
(a) None
(b) 1
(c) 2-3
(d) 4-6
(e) More than 6

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 6. How much are you dependent on investment income to fund your monthly expenses and/or your
savings plan commitments?
(a) Not at all
(b) Somewhat, but can avoid with some budgeting
(c) Partly dependent for savings plan commitments
(d) Totally dependent for savings plan commitments
(e) Dependent for both savings plan commitments as well as monthly income

7. How would you react towards your long-term equity investments if the stock markets reacted
sharply downwards, but fundamentals were intact?
(a) Look to add more to equity portfolio, since future outlook is bright
(b) Stay put, since these are long term commitments
(c) Stay put with existing investments, but stop regular periodic fresh investments
(d) Consider a partial liquidation to re-enter at lower levels
(e) Switch out completely to debt/cash

8. Do you expect to have to withdraw from your investment portfolio to fund major expenses like
children’s education/marriage, a lifestyle expense like a luxury car/luxury holiday etc. in the
future and when?
(a) You do not foresee any such needs
(b) You do foresee such needs, but can finance them out of regular income
(c) Yes, in 5-10 years
(d) Yes, in 3-5 years
(e) Yes, in less than 3 years

9. Expected income patterns over next 3 years

(a) Increase significantly, about 25% annual growth
(b) Increase reasonably, about 15% annual growth
(c) To keep pace with rising expenses at below 10% annual growth
(d) Fluctuate around present mean
(e) Decrease

10. Expected major changes in Asset Allocation over the years – if yes, reason and time horizon
(a) After 10 years
(b) Within around 10 years
(c) In around 5 years
(d) In less than 5 years
(e) In less than 2 years

I understand that my asset allocation and portfolio investment decisions would be based on the inputs
I have provided and that my risk-return as per this current assortment will be based on my answers.

Client Signature: Date:

Note: If there is any change in the client situation and investment goals, it will warrant a change in the
risk-return assessment.

Dr Nehal Joshipura/WM/DSIMS/Profiler Page 2

 Risk-Return Scorecard:

Answer Points
a 10
b 8
c 6
d 4
e 2

Question Number Answer (a to e) Score (10 to 2)

1
2
3
4
5
6
7
8
9
10
Total score

Total score Risk Profile

20- 46 Conservative
48 - 74 Moderate
76 - 100 Aggressive

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