Risk Profiler - HSBC Bank Malaysia Berhad

Your risk tolerance revealed!
How tolerant you are towards investment risk depends on many factors. The questions below aim to help you assess your own tolerance. Don't spend too much time on each question and remember there are no right or wrong answers. If you don't feel an answer accurately reflects your feelings, simply choose the one that is the closest.

Questions :

1.	How would you classify your own investment style?

	Conservative.
	Balanced.
	Growth.
	Aggresive.

2.	What is your expected investment time frame?

	Over 5 years.
	3 years to 5 years.
	1 year to 3 years.
	Less than 1 year.

3.	How much cash have you saved to cope with emergencies, such as an unexpected job loss or an uninsured damage to your property (e.g. house,car)?

	Less than 1 month's salary
	Between 1 months' and 3 months' salary
	Between 3 months' and 6 months' salary
	More than 6 months' salary

4.	Generally investments with higher potential return also carry higher risk. How much risk are you prepared to take?

	I am very uncomfortable with taking risks with my money and would not jeapordise my capital.
	I am willing to take some risk in return for high growth potential, but would rather limit the potential downside.
	I am comfortable with taking risks and investing for the long term to achieve growth.
	I actively seek high risk investments and am willing to potentially suffer a large capital loss in pursuit of significant potential investment gain.

5.	Looking at the hypothetical returns for the four portfolios below, which investment would you choose if in any one year, your best return and worst return are as follows?

	Best return is 15%, worst loss is 8%
	Best return is 33%, worst loss is 12%
	Best return is 42%, worst loss is 15%
	Best return is 60%, worst loss is 30%

6.	What is the composition of your current investment portfolio?

	Cash only (e.g. time deposits, savings accounts, etc)
	Mainly cash, but with some other investments (e.g. property aside from my home, blue-chip shares, etc.)
	A broad mix of investments, but mainly non-cash (e.g. shares, bonds, unit trust, property aside from my home. etc.)
	A mix including very speculative investments (e.g. options, high risk unit trusts, property aside from my home, etc.)

7.	How much of your investible assets (cash, equities, etc) are you considering investing NOW in unit trusts?

	Up to 10%
	Between 11% and 25%
	Between 26% and 40%
	Over 40%

8.	If one of your investments that constitutes a significant part of your investment portfolio lost 25% of its value in a general market correction, what would you do?

	Sell immediately and protect my down-side, in case it continues to fall in price
	Hold on to the investment but sell it once it breaks even
	Hold on to the investment for the long term
	Buy more - it is an opportunity to accumulate whilst the investment is cheaper