RISK PROFILE & SUITABILITY QUESTIONNAIRE

Section A: Risk Capacity – The Ability to Absorb Loss

1. What is your current age and life stage?*

60+ (Retired / Close to retirement / No active income)

50 – 59 (Senior Professional / Peak earning / Limited time to retirement)

35 – 49 (Mid-Career / Steady income / Significant working years left)

Under 35 (Early Career / High accumulation potential / Long working life)

2. Investment Horizon: How soon do you need to access majority of your investments?*

Very Short Term (Less than 2 years)

Short to Medium Term (2 to 5 years)

Long Term (5 to 10 years)

Very Long Term (More than 10 years)

3. How stable and predictable is your primary source of income?*

Low Stability (Freelance / Commission-based / Cyclical business)

Moderate Stability (Private sector / Small-to-medium enterprise)

High Stability (MNC / Established professional practice / Large Corporate)

Very High Stability (Government Job / PSU / High Passive Income)

4. What portion of your income is committed to fixed expenses (EMIs, Rent, Fees)?*

Over 60% (Highly leveraged / Very low savings potential)

41% – 60% (Moderately leveraged / Limited savings surplus)

21% – 40% (Comfortable lifestyle / Good savings surplus)

Under 20% (Very low liabilities / High savings capacity)

5. How is your current wealth distributed across asset classes? (Liquidity Check)*

Illiquid (Over 75% in Real Estate, Physical Gold, or Locked-in assets)

Mostly Illiquid (50% – 75% in Real Estate or fixed assets)

Balanced (Healthy mix of Real Estate, FDs, and Marketable securities)

Highly Liquid (Mostly in Mutual Funds, Stocks, and Cash)

6. How many people are financially dependent on you?*

3 or more dependents (Parents, Spouse, and Children)

2 dependents (e.g., Children and Spouse)

1 dependent (e.g., Spouse only or 1 Child)

None (Financial independence / Self-sustaining)

Section B: Risk Tolerance – The Willingness to Take Risk

7. Which of the following best describes your primary investment goal? *

Capital Preservation (I cannot afford to lose any of my initial investment)

Cautious Growth (I want to beat inflation with minimal fluctuations)

Balanced Wealth (I seek long-term growth and can handle moderate dips)

Maximum Wealth (I seek high returns and accept significant volatility)

8. If the market drops and your portfolio value falls by 20%, what would you do?*

Sell Immediately (I cannot tolerate losses and want to protect what’s left)

Stop Further Investment (I would wait for the market to recover before acting)

Stay Invested (I understand cycles and would stick to my long-term plan)

Buy More (I view market drops as a buying opportunity to lower costs)

9. What is your level of knowledge and experience with market investments?*

None (Only Bank FDs, Post Office Savings, or traditional Insurance)

Beginner (Have invested in Hybrid Funds or Tax-saving Mutual Funds)

Moderate (I understand market cycles and have active Equity SIPs)

Advanced (I invest in Direct Stocks, PMS, or Alternative Assets)

10. How often do you feel the need to check your portfolio’s performance?*

Daily/Weekly (I get anxious with frequent market news and movements)

Monthly (I check my statements regularly to track progress)

Quarterly/Half-Yearly (I focus on mid-term trends rather than noise)

Annually (I ignore short-term movements and focus on the 5-10 year view)

Section C: Protection Need – The Foundation of Financial Security

11. What is your most urgent priority for choosing an insurance product?*

Capital Guarantee (Ensuring I get my money back with interest)

Medical Protection (Covering hospital bills and critical illness)

Wealth Accumulation (Market-linked returns with life cover/ULIPs)

Family Protection (Securing family lifestyle via a Pure Term Plan)

12. In the event of your sudden demise, how would your family manage financially?*

Severe Hardship (They are 100% dependent on my monthly income)

Moderate Struggle (Some assets exist, but lifestyle would drop significantly)

Manageable (Spouse is earning or some life insurance is already in place)

Minimal Impact (Passive income and existing wealth are sufficient)

13. What is your current total Life Insurance cover (Sum Assured)?*

Less than 5 times my annual income (Severely Under-insured)

5 to 10 times my annual income (Moderately Under-insured)

10 to 20 times my annual income (Generally well-insured)

More than 20 times my annual income (Fully covered / Legacy stage)

Section A: Risk Capacity – The Ability to Absorb Loss

Section B: Risk Tolerance – The Willingness to Take Risk

Section C: Protection Need – The Foundation of Financial Security