Wealth Management

presentation on
clients Risk profile

client- 1: M prateek

Report done by : Vigesh SB : 20MBAJ0018

Reddy Akkamma Bharath : 20MBAJ0062
 particulars personal information
client name M prateek
no of dependents 4
employment software engineer

• Psychographic Profile:
M Prateek is an Middle class family man with a lot of responsibilities. He spends the money
only when it is needed. He looks for a low cost alternative (If available). He is not dependent on
brand rather he has concern on health as the primary part. He goes for a vacation 4 times for a
year.
• Risk Profile:
prateek is an investor who has been investing from around 6+ Years after his graduation for his
future needs. He has a stable income and is a Low risk taker and does not want to incur much
loss. He invests in long term return yielding assets that has low risk. He is ready to lose a
maximum of 14% and there is a possible gain of 30% in the future. He prefers to hold the long
term assets for a maximum period of 6 months is its poorly performing.
Income Statement:
Total income per month 1,09,167
Total income per annual 13,10,004

prateek is having a various source of income like through salary, agriculture, rental income as he gets the
annual income is 13,10,004.
Expense Statement:

particulars amount
Total expenses( household 6,17,000
expenses,LIC,Educational expenses,
repayment of loans) per yearly of prateek’s
prateek is having a variety of expenditures where the difference of his income and expenditure is not in
big numbers due to his income and expense statement he is not willing to take much risk
 NetWorth 1,20,50,000

MonthlySurplus 62,000

AnnualSurplus 7,44,000

from the above table the total networth of prateek is 1,20,50,000 as the annual surplus is in good
numbers he can have various investment oppurtunities to invest his surplus in various asset classes

total Assets( agriculture land, car, bike, toatl liabilities( loan from bank and
physical Gold, cash in hand and bank, unknown sources)
house )

1,51,20,000 12,50,000
 Finance blood test report

Total assets 1,51,20,000 16,000,000

Total Liabilities 12,50,000 14,000,000

Net worth 1,20,50,000

12,000,000
Total income 13,10,004
10,000,000
Total expenses 6,17,000
surplus 7,44,000 8,000,000

6,000,000

Risk Profiling Score 21 (Moderate)

4,000,000

mr prateek risk profile score is 21 so he is moderate not 2,000,000

willing to take much risks where he require an investment
strategy to gain profits -
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