Come have a test (Investor Profile)

Investor Risk Profile

1. When you hear unexpected adverse or bad financial news, you
a. Never overreact
b. Rarely overreact
c. Always overreact

2. Between a new position offering greater job security with a small pay rise and another with a high pay raise but less job security, which would you select?
a. Probably higher pay rise
b. Not sure
c. Probably greater job security

3. Would you borrow money or go on margin trading to make an investment that might double your money?
a. Yes
b. Maybe
c. No

4. If you have invested in a stock that rose 30% within 6 months after you bought it you would
a. Do nothing or buy more shares
b. Sell some shares
c. Sell all your shares

5. Do you believe luck is important in making your investment decision?
a. Yes
b. Sometimes
c. No

6. If you could increase your chances of improving your returns by taking more risk, you would be
a. Willing to take a lot more risk with all your money
b. Willing to take some risk with some of your money
c. Unwilling to take much more risk

7. How much are you spending on credit card bills, car payments and either on rent or mortgage payments (monthly total)?
_____________________________
What is your current household income (after tax)?
_____________________________
What percentage of your household income (after tax) is spent each month paying off credit card bills, car payments and either on rent or mortgage payments?
a. More than 50%
b. Between 25% and 50%
c. Less than 25%

8. In case of emergency, would you have available savings to pay for
a. Less than 3 months’ living expenses
b. 3-12 months’ living expenses
c. More than 12 months ‘living expenses

9. Would you invest in a stock based on a friend’s tip?
a. Yes
b. Maybe
c. No

10. Which one of the following statements best describes your feelings about investment risk?
a. I prefer to select an aggressive mix of my investments
b. I prefer to select a balanced mix of investment
c. I prefer to select a conservative mix of investment

11. Do you expect your future earning over the next five years to
a. Increase
b. Stay the same
c. Decrease

12. Would you invest in individual stocks or equity (stock-base) unit trusts?
a. Yes
b. Maybe
c. No

SCORING For all questions, a = 3 points
b=2 points
c= 1 point

Total Score Investor Profile

12-18 points Conservative
19-29 points Moderate
30-36 points Aggressive