May, 18 2024 Saturday 18:36 Hrs
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Risk Analyzer

You thought you and your childhood friend had the same likes and dislikes, preferences and prejudices because you grew up together. Ever wondered why he continues to put his money in bank fixed deposit while you thrive on playing the stock markets? Its all about how different your risk profiles are.....

Your risk profile is essentially determined by objective factors (age,income level, number of dependents, security of your job) and subjective factors (risk behaviour intrinsic to each individual's psychology).

The Risk Analyser takes you through a series of scientifically designed multiple choice questions to understand your risk taking capacity and behaviour and thereby arrive at an assessment of your risk profile.
Your age is
Under 30
30 - 40
41 - 50
51 - 60
60 or over
Your current annual take-home income is
Under ().100,000
between ().100,000 and Re.200,000
between ().200,000 and ().500,000
between ().500,000 and ().10,00,000
over ().10,00,000
The number of years you have until retirement is
3 years or less
3 to 5 years
5 to 10 years
10 to 15 years
15 years or more
Your present job or business is
Is not dependable
Is relatively secure
Is secure
doesn't matter as you already have enough wealth
doesn't matter as you can easily find an equally good new job/career
What is your expectation of how your future earnings would be
It would far outpace inflation
It would be somewhat ahead of inflation
It would keep pace with inflation
It may not be able to keep pace with inflation
How would you describe yourself as a risk-taker?
Willing to take risks for higer returns
Can take calculated risks
low risk taking capability
extremely averse to risk
How good is your knowledge of finance?
I'm an expert in the field of finance
I'm proficient in finance
I don't know much about finance but I keep myself updated about the developmentsthrough newspapers, journals, TV, etc.
Limited to knowing things like how the stock market or certain select script is/ are moving
I'm totally zero as far as knowledge of finance is concerned
If you lose your job or stop working today, how long do you think your savings cansupport you
less than 3 months
3 - 6 months
6 months to 1 year
1 - 3 years
More than 3 years
If you had ().50,000 to invest, which of the following choices would you make ?
Put the money in Bank Fixed Deposit and Bonds
Invest the money in Mutual Funds
Invest the money in Shares
Invest in a combination of the above with higher proportion of Bank FDs and Bonds
Invest in a combination of the above with higher proportion of Mutual Funds andshares
You have a market tip on the price appreciation of a certain scrip, you
Immediately invest in the scrip
Invest if you feel that the source of the tip is an experienced / expert marketplayer
Do some enquiry and analysis and then decide
Want to invest but are generally unable to take a decision in such cases
You don't rely on such tips or totally ignore it
You are on a TV game show and you win ().10,000. You have a choice to keep the moneyor risk it to win a higher amount. You :
Are happy with the ().10,000 that you've earned
Risk the ().10,000 on a 50% chance of winning ().30,000
Risk the ().10,000 on a 25% chance of winning ().75,000
Risk the ().10,000 on a 10% chance of winning ().1,00,000
Which one of the following best describes your feeling immediately after making aninvestment, you :
Are not bothered - its just another investment for you
Are satisfied and content with the decision
Are not very sure whether you made the right decision
Are worried
Generally regret your decision
The stock market has dropped 25% and a share that you own also dropped 25%, but themarket expects the share to go up again. What would you do ?
Sell all the shares
Sell some of them
Buy more of them
Keep all of them as you expect the price to reach the earlier level
Keep all of them as you are afraid of booking a loss
You have a substantial sum of money spare for about 6 months after which you need this sum to repay a loan, this sum is currently not invested anywhere. You would:
keep the money in your Bank Fixed Deposit or Open ended Debt Mutual Funds
invest the money in Open ended Equity Oriented Mutual Fund
invest the money in Equity Shares
loan the money at market rates to businessmen
invest the money in a combination of above
You are financially responsible for (exclude dependants who can be supported by yourspouse's income)
only yourself.
1 person besides yourself
2 to 3 persons besides youself
4 to 5 persons besides youself
more than 5 persons besides yourself
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