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Before making an investment or creating a portfolio, you must understand how much risk tolerance you have in regards with your asset allocation in equity & debt It is very important to know your risk appetite. Your risk appetite will depend on various factors – Your current financials, your risk taking capacity , your knowledge & experience , your age, your liquidity needs, nature of employment, time horizon and the importance of your investment objectives

Check Your Investment Profile (Risk Appetite)

1What is your total liquid net worth? Liquid Net Worth (or money you can access quickly) = [Current Accounts + Savings + Investments] - Total Loans Outstanding. Please do not include real estate or the value of any businesses you own.
2What is your employment status?
3Current age ?
4How long would you consider investing to achieve your financial goals? These goals could include children's education, retirement planning or others.
5Percentage of your liquid net worth you'd like to invest. Current Accounts + Savings + current liquid Investments - Total Loans Outstanding = Money you can access quickly. (Please do not include real estate or the value of any businesses you own.)
6 What is the primary reason you are investing your funds?
7Which of the following statements best describes the amount of risk fluctuation you will tolerate in the value of your investments? Assume you had an initial investment portfolio of Rs 100000 amount. If, due to market conditions, your portfolio fell by 20 % , would you:
8To what extent would you expose your investments to risk, to earn higher returns?
9Describe your investment knowledge and experience:
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Based on the information that you have provided, your current investment profile has been evaluated as : Moderate

Typically, a Cautious investor is:
  • cautious or a first-time investor
  • primarily focused on portfolio stability and preservation of capital
  • will need the money from their investments in five years or less
  • has a medium investment time horizon and seeks a growth potential that can compete with inflation concerns
  • someone with a portfolio that primarily consists of investments in cash and bonds
Investment Period: We assume a 10 year investment horizon.
Typically, a Conservative investor is:
  • willing and able to accept some risk or volatility
  • primarily focused on pursuing a modest level of portfolio appreciation with minimal principal loss and volatility
  • someone with a portfolio that primarily includes investments in cash and bonds with some allocation in equities
Investment Period: We assume a 30 year investment horizon.
Typically, a Balanced investor is:
  • looking for a balance between portfolio stability and portfolio appreciation
  • willing and able to accept a moderate level of risk and return
  • an investor focused on growth but looking for greater diversification
  • someone with a portfolio that primarily includes a balance of investments in bonds and equities
Investment Period: We assume a 30 year investment horizon.
Typically, a Growth investor is:
  • primarily focused on pursuing portfolio appreciation over time
  • usually an experienced equity investor
  • can tolerate market downturns and volatility for the possibility of achieving greater long-term gains
  • someone who won’t need the money from their investments for 10 years or more
  • someone with a portfolio that has exposure to various asset classes but primarily invested in equities
Investment Period: We assume a 30 year investment horizon.
Typically, an Aggressive investor is:
  • primarily focused on pursuing above-average portfolio appreciation over time
  • someone who can tolerate higher degrees of fluctuation in the value of his investments
  • someone with high return expectations
  • someone who won’t need the money from their investments for 15 years or more
  • someone with a portfolio that has exposure to various asset classes but will be heavily invested in equities
Investment Period: We assume a 30 year investment horizon.
  • Such investors are not an appropriate for investments from medium to long-term seeking capital growth.
  • Investors focus entirely on the preservation of capital.
  • Their return is likely to be low and consistent compared with the other risk options offered.
  • The portfolio is restricted in its ability to reduce taxable income or the tax effectiveness of that income.
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The series of questions may help you appraise your risk attitude, it means and investment objectives prior to your selection of appropriate Investments & Insurance products.

The following questions are designed to help us understand more about your financial information and risk appetite so as to help us evaluate the extent to which you should take investment/ portfolio risks in the overall investments with us . These questions will also help us evaluate the extent of your familiarity and knowledge of different types of investment products.

Please select the most appropriate answer to each questions. These questions from the perspective of the person that you all agree to be the most relevant in the operating of this investment account.

Disclaimer

Benchmark Investments is a Registered Mutual Fund Distributor.

Benchmark Investments is NOT an advisory firm & NOR an Investments advisor.

The contents herein mentioned are solely for informational and educational purpose only

This document is marketing material for a retail audience and does not constitute advice or recommendations. Past performance is not a guide to future performance and may not be repeated. The value of investments and the income from them may go down as well as up and investors may not get back the amount originally invested.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

The above calculation and illustration of figures are indicative only and not on actual basis.

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We may make changes to the contents, or to the information described therein, at any time without any notice.

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Please consult your CA / Tax expert for taxation before investing.

The information provided on this website is to help investors in their decision-making process and shall not be considered as a recommendation or solicitation of an investment or investment strategy.

We do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.

Tax law is subject to continual change, at times on a retroactive basis and may result in incremental taxes, interest or penalties.

There are risks associated with fixed income investments, including credit risk, interest rate risk, and prepayment and extension risk. In general, bond prices rise when interest rates fall and vice versa. This effect is usually more pronounced for longer-term securities.

Stock investments have an element of risk. High-quality stocks may be appropriate for some investments strategies. Ensure that your investment objectives, time horizon and risk tolerance are aligned with stocks before investing, as they can lose value.

Benchmark Investments only acts as a mediator between its clients and the company inviting/accepting deposits, known as Principal Company.

The contents herein above shall not be considered as an invitation or persuasion to trade or invest. We accept no liabilities for any loss or damage of any kind arising out of any actions taken in reliance thereon.

BENCHMARK INVESTMENTS

Benchmark Investments, 6 Sector II Shanti Niketan, Govindpura Bhopal, Bhopal-462023, India. +91-755-4938282/+91-9826310337 hello@benchmarkinvestments.in.
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Mutual fund and other investments are always subject to market risks. Please read all, Scheme Information Documents (SID), Key Information Memorandum (KIM), Addendums(if any) issued there to from time to time and any other related documents or information carefully before investing. Past performance is not indicative or assurance of future performance or returns. Please consider your specific investment requirements before choosing a fund.

For any grievances, investors can contact at: hello@benchmarkinvestments.in,  Tel: +91-755-4938282 / +91-9826310337.
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