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Risk Profiling Questionnaire




Risk Profiling Questionnaire


This questionnaire is designed to help you consider your attitude towards investment risk. It asks questions which provide some indication of the overall general attitude towards risk for a typical investor displaying your personal investment characteristics. It may not match your actual attitude towards investment risk, but it indicates the profile that you fit into.
1.  Which age range do you fall into?
Above 75 or under 18 Between 66 and 75 Between 56 and 65
Between 46 and 55 Between 18 and 45    
2.  How many years of experience do you have with investment products the value of which can fluctuate (including 'buy and hold' and active trading)? Investment products the value of which can fluctuate could include, for example, stocks, unit trusts, foreign currencies, commodities, structured investment products, warrants, options, futures, investment-linked insurance plans.
No experience Less than 3 years Between 3 and 6 years
Between 7 and 10 years Over 10 years    
3.  Are you currently holding any of the below investment products? (you may select more than 1 option)
Cash, deposits, certificates of deposit, capital protected products
Bonds, bond funds
Foreign currencies, non capital protected currency linked structured products
Stocks, open-end funds excluding bond funds and money market funds, non capital protected equity linked structured products, investment-linked insurance plans, commodities
Options, futures, warrants
4.  Approximately what percentage of your assets (excluding own use property) is currently held in investment products where the value can fluctuate? Please refer to Question 2 for examples of such products.
0% Between >0% and 10% Between >10% and 25%
Between >25% and 50% Over 50%    
5.  Over a period of time the value of investments can rise and fall, this is called fluctuation. Generally, the higher the investment risk the higher the potential fluctuation but also the higher the potential returns. On the other hand, the lower the investment risk the lower the potential fluctuation but also the lower the potential returns. What level of fluctuation would you generally be comfortable with?
[Note: You might be comfortable accepting a higher or lower level of fluctuation for the capital you have to invest now, but your answer should reflect the level of fluctuation you would in general be comfortable with.]
Fluctuates between -5% and +5% Fluctuates between -10% and +10%
Fluctuates between -15% and +15% Fluctuates between -20% and +20%
Fluctuates between <-20% and >+20%    
6.  Normally, what percentage of your monthly household income could be available for investment or savings?
0% Between >0% and 10%
Between >10% and 25% Between >25% and 50%
Over 50%    
7.  It is generally true that the longer the investment horizon, the higher the risk an investor can tolerate. What time horizon would you generally be comfortable with when investing in products the value of which can fluctuate? Please refer to Question 2 for examples of such products.
Less than 1 year Between 1 and 3 years Between 4 and 5 years
Between 6 and 10 years Over 10 years    
8.  How many months of your share of household expenses have you put aside to meet unforeseen events? (These assets should be easily accessible and capable of being liquidated without penalty or with an acceptable penalty).
Have no amount set aside for unforeseen events* Less than 3 months
Between 3 months and <6 months Between 6 months and <9 months
Over 9 months    
 
*  You should always consider setting aside an amount of accessible capital you believe sufficient to meet unforeseen events (say at least three months of your share of household expenses) before considering committing funds to investment or savings products.
Reset Calculate

Your attitude towards risk: 

SECURE

CAUTIOUS

BALANCED

ADVENTUROUS

SPECULATIVE

secure
cautious
balanced
adventurous
speculative

Indicates that you are not happy to invest in any product where your capital is at risk. Returns are likely to be based on prevailing interest rates which may or may not keep pace with inflation. You are happy to hold life insurance policies which may have a savings element but understand early surrender will lead to you receiving less back than paid in premiums.

Indicates that you are happy to accept:

  • A low level of investment risk in return for the potential to outperform deposits over the medium term (approx. 3 years) and protect your capital against inflation.
  • Capital values can fluctuate and may fall below your original investment.
  • Fluctuation is expected to be low, although this is not guaranteed.

Indicates that you are happy to accept:

  • A higher level of investment risk in return for the increased potential to outperform deposits over the medium to long term (approx. 5 years) and protect your capital against inflation.
  • Capital values can fluctuate and may fall below your original investment.
  • A higher level of fluctuation than a "Cautious" investor.

Indicates that you are happy to accept:

  • A high level of investment risk and fluctuation over the short, medium and long term in return for the potential to earn returns substantially higher than inflation.
  • Capital values can fluctuate and may fall substantially below your original investment.
  • A higher level of fluctuation than a "Balanced" investor.

Indicates that you are happy to accept:

  • A very high level of investment risk and fluctuation over the short, medium and long term in return for the the potential to earn very high returns.
  • Capital values can fluctuate and may fall substantially below your original investment.
  • A higher level of fluctuation than an "Adventurous" investor.
We offer you an assortment of investment services that suit your needs and help you to make the most of your wealth. Please click here to learn more about our investment services.

Please click here to learn more about the risk levels of investment products that may be suitable for a typical person with the attitude towards risk as indicated above for consideration.
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Result
Your attitude towards risk: 
SECURE
CAUTIOUS
BALANCED
ADVENTUROUS
SPECULATIVE
Indicates that you are not happy to invest in any product where your capital is at risk. Returns are likely to be based on prevailing interest rates which may or may not keep pace with inflation. You are happy to hold life insurance policies which may have a savings element but understand early surrender will lead to you receiving less back than paid in premiums.
Indicates that you are happy to accept:
  • A low level of investment risk in return for the potential to outperform deposits over the medium term (approx. 3 years) and protect your capital against inflation.
  • Capital values can fluctuate and may fall below your original investment.
  • Fluctuation is expected to be low, although this is not guaranteed.
Indicates that you are happy to accept:
  • A higher level of investment risk in return for the increased potential to outperform deposits over the medium to long term (approx. 5 years) and protect your capital against inflation.
  • Capital values can fluctuate and may fall below your original investment.
  • A higher level of fluctuation than a "Cautious" investor.
Indicates that you are happy to accept:
  • A high level of investment risk and fluctuation over the short, medium and long term in return for the the potential to earn returns substantially higher than inflation.
  • Capital values can fluctuate and may fall substantially below your original investment.
  • A higher level of fluctuation than a "Balanced" investor.
Indicates that you are happy to accept:
  • A very high level of investment risk and fluctuation over the short, medium and long term in return for the the potential to earn very high returns.
  • Capital values can fluctuate and may fall substantially below your original investment.
  • A higher level of fluctuation than an "Adventurous" investor.
Risk profiling questionnaire result record
Q1.  Which age range do you fall into?
Ans. 
Above 75 or under 18
Between 66 and 75
Between 56 and 65
Between 46 and 55
Between 18 and 45
Q2.  How many years of experience do you have with investment products the value of which can fluctuate (including 'buy and hold' and active trading)? Investment products the value of which can fluctuate could include, for example, stocks, unit trusts, foreign currencies, commodities, structured investment products, warrants, options, futures, investment-linked insurance plans.
Ans. 
No experience
Less than 3 years
Between 3 and 6 years
Between 7 and 10 years
Over 10 years
Q3.  Are you currently holding any of the below investment products? (you may select more than 1 option)
Ans. 
Cash, deposits, certificates of deposit, capital protected products
Bonds, bond funds
Foreign currencies, non capital protected currency linked structured products
Stocks, open-end funds excluding bond funds and money market funds, non capital protected equity linked structured products, investment-linked insurance plans, commodities
Options, futures, warrants
Q4.  Approximately what percentage of your assets (excluding own use property) is currently held in investment products where the value can fluctuate? Please refer to Question 2 for examples of such products.
Ans. 
0%
Between >0% and 10%
Between >10% and 25%
Between >25% and 50%
Over 50%
Q5.  Over a period of time the value of investments can rise and fall, this is called fluctuation. Generally, the higher the investment risk the higher the potential fluctuation but also the higher the potential returns. On the other hand, the lower the investment risk the lower the potential fluctuation but also the lower the potential returns. What level of fluctuation would you generally be comfortable with?
[Note: You might be comfortable accepting a higher or lower level of fluctuation for the capital you have to invest now, but your answer should reflect the level of fluctuation you would in general be comfortable with.]
Ans. 
Fluctuates between -5% and +5%
Fluctuates between -10% and +10%
Fluctuates between -15% and +15%
Fluctuates between -20% and +20%
Fluctuates between <-20% and >+20%
Q6.  Normally, what percentage of your monthly household income could be available for investment or savings?
Ans. 
0%
Between >0% and 10%
Between >10% and 25%
Between >25% and 50%
Over 50%
Q7.  It is generally true that the longer the investment horizon, the higher the risk an investor can tolerate. What time horizon would you generally be comfortable with when investing in products the value of which can fluctuate? Please refer to Question 2 for examples of such products.
Ans. 
Less than 1 year
Between 1 and 3 years
Between 4 and 5 years
Between 6 and 10 years
Over 10 years
Q8.  How many months of your share of household expenses have you put aside to meet unforeseen events? (These assets should be easily accessible and capable of being liquidated without penalty or with an acceptable penalty).
Ans. 
Have no amount set aside for unforeseen events
Less than 3 months
Between 3 months and <6 months
Between 6 months and <9 months
Over 9 months
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Disclaimer:
This questionnaire is provided by the Hongkong and Shanghai Banking Corporation Limited (HSBC) based on research conducted by Hong Kong University of Science and Technology (HKUST) R and D Corporation Limited, a wholly-owned subsidiary of HKUST. The results of this questionnaire are derived from information that you have provided to the Bank, and only serve as a reference for your consideration when making your own investment decisions. This questionnaire and the results are not an offer to sell or a solicitation for an offer to buy any financial products and services and they should not be considered as investment advice. HSBC, Hong Kong University of Science and Technology R and D Corporation Limited and HKUST accept no responsibility or liability as to the accuracy or completeness of the information given. Personal information collected in this questionnaire will be kept confidential by HSBC. The information may be used by HSBC or any HSBC Group entity under a duty of confidentiality to HSBC, for designing and/or marketing of financial products and services.

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