1.
Which of the following age group do you belong to ?
a
18 to 44
b
45 to 54
c
55 to 64
d
65 to 74
e
75 or above
2.
How many dependents do you need to financially support ?
a
None
b
1
c
2
d
3
e
4 or above
3.
In terms of monthly household expenses, how much have you reserved for living (including cash or highly liquid assets e.g. foreign currency, bullion, freely tradable securities, etc.) ?
a
Less than 1-month household expenses
b
1-month to less than 6-month household expenses
c
6-month to less than 12-month household expenses
d
12-month to less than 24-month household expenses
e
24-month household expenses or above
4.
What is your education level ?
a
Primary
b
Secondary
c
Post-Secondary
d
University/professional qualifications (not related to Economics/Finance)
e
University/professional qualifications (related to Economics/Finance)
5.
Which of the following statements is the best one that describes your attitude toward price fluctuation and returns of your financial investment ?
a
I absolutely cannot bear any price fluctuation of my investment and have no interest on returns.
b
I can only bear little price fluctuation of my investment and would like to acquire returns slightly better than the rate of bank deposits.
c
I can bear some price fluctuation of my investment and would like to acquire returns much better than the rate of bank deposits.
d
I can bear high degree of price fluctuation of my investment and would like to acquire returns comparable to the major stock market indexes.
e
I can bear any price fluctuation of my investment and would like to acquire returns markedly higher than the major stock market indexes.
6.
How long is your expected investment horizon ?
a
Less than 3 months
b
3 months to less than 1 year
c
1 year to less than 3 years
d
3 years to less than 5 years
e
5 years or above
7.
How long is your consecutive trading experience (i.e. at least one transaction per quarter) in financial products e.g. certificates of deposits, foreign currency, stocks, investment funds, credit linked notes, structured products, bonds, futures, warrants, commodities, margin trading, etc. ?
a
No experience at all
b
Less than 1 year
c
1 year to less than 3 years
d
3 years to less than 5 years
e
5 years or above
8.
During the past 24 months, which of the following investment products have you ever possess ?
(Please choose more than one answer if appropriate)
a
Margin Trading / Futures / Options / Equity Option Accumulator Forward / Equity Option Decumulator Forward / FX Option Embedded Product
b
Equity Linked Investment / Emerging Markets, Regional, Single Country or Sector Equity Fund / Hedge Fund / Credit Linked Note
c
Global Equity Fund / High Yield, Regional, Emerging Market Bond Fund / Balanced Fund / Currency Linked Deposit
d
Bond / Global Bond / Money Market Fund / Guaranteed Fund / Capital Protected Note / Foreign Currency
e
Certificates of Deposit
f
None of the above during the past 24 months but some of the above or other financial products before
g
Never holding any investment product
9.
What is the average percentage of your after-tax income which can be set aside for savings or investment ?
a
Less than 5%
b
5% to less than 10%
c
10% to less than 20%
d
20% to less than 25%
e
25% or more
10.
What is the percentage of your current net worth (excluding the value of your self-occupied property) that will be allocated to your investment portfolio ?
a
Less than 5%
b
5% to less than 10%
c
10% to less than 20%
d
20% to less than 30%
e
30% or more
Risk Taking
(51-56)
Suitable investment types: I, II, III, IV, V
You overall demonstrate a strong preference, expertise or experience in high-risk, structured or leveraged products; and/or have solid financial capability to tolerate loss in high-risk investment.
Aggressive
(39-50)
Suitable investment types : I, II, III, IV
You overall have considerable expertise or experience in financial investment; are willing to take higher risk to achieve returns better than the major stock market indexes; and/or have strong financial capability to bear loss from high-risk investment.
Progressive
(29-38)
Suitable investment types : I, II, III
You overall have reasonable expertise or experience in financial investment; are willing to accept moderate price fluctuation and take risk to achieve returns comparable to the major stock market indexes; and/or have sound financial capability to absorb the corresponding investment loss.
Balanced
(20-28)
Suitable investment types : I, II
You overall have some experience and knowledge in financial investment; are willing to take some risk to achieve returns much better than bank deposits; and/or have tendency to develop a diversified investment portfolio.
Conservative
(8-19)
Suitable investment type : I
You overall prefer investment products of low uncertainty on returns; and /or have limited expertise and experience in investment.
Based upon the information provided by you, you are advised not to participate in any investment product.
V
High risk investment
Margin Trading / Futures / Options / Equity Option Accumulator Forward / Equity Option Decumulator Forward / FX Option Embedded Product
IV
Medium-to-high risk investment
Equity Linked Investment (include Equity Linked Deposit) / Emerging Markets, Regional, Single Country or Sector Equity Fund / Hedge Fund / Credit Linked Note
III
Medium risk investment
Global Equity Fund / High Yield, Regional, Emerging Market Bond Fund / Balanced Fund / Currency Linked Deposit
II
Low-to-medium risk investment
Bond / Global Bond / Money Market Fund / Guaranteed Fund / Capital Protected Note / Foreign Currency
I
Low risk investment
Certificates of Deposit
1. The above investment types are for your reference only. There may has other investment type(s) which match(es) with your risk appetite, investment objective and other personal circumstances.
2. The actual risk rating of a particular product may be higher than the risk level of the product type as classified above. For details, please refer to our Wealth Management Manager at the investment corner of our designated branches.
Disclaimer
The Risk Profile Assessment is designed to help you understand your risk profile and the types of product(s) suitable for you. 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 risk profile you fit into.
The results of the assessment are derived from information that you have provided to the Bank and they only serve as reference for your consideration when making your own investment decisions. The assessment and results are not any offer or solicitation to buy or sell any financial products and services and they should not be considered as investment advice. The Bank makes no guarantee, representation or warranty and accepts no responsibility or liability as to the accuracy or completeness of the information or recommendation given.
Investments involve risks, including the possible loss of the principal amount invested. Unit prices may go down as well as up.
In case of any inconsistency between the English version and the Chinese version, the English version will prevail.
Retirement
Education
Target Savings
Personalized Risk Taking
