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Risk Profile

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Process of client risk profiling:

Clients will be classified as low risk appetite, medium risk appetite and high risk appetite based on the score obtained by answering the following questionnaire. Once, the score is obtained client will be offered services which suits his/her risk appetite. The classification of the services is also mentioned below.

Questionnaire for risk profiling of the client:-

Client Risk Analysis

Personal Information

1. What is your Age Group?

Under 35

Under 45

46-55

55-60

60+

2. Marital Status

Married

Unmarried

3. Occupation

Private Job

Government Job

Business

None

3.A Pan Number

3.B Dob

Source of Income

4. Sources of Income

(A) Primary Source

Salary

Business

(B) Secondary Source

Royalties

Rental

Dividend

Other Specify

5. Investment Goal ?

Capital Appreciation

Regular Income

Capital Appreciation and Regular Income

6. Referred Investment type ?

Short term Positional

Long term Positional

Intraday

(Risk Assessment Questionnaire)

7. Gross Annual Income details

Below 1 lac (1 Point)

1-5 lacs (3 Points)

5-10 lacs (5 Points)

10-25 lacs (7 Points)

>25 lacs (9 Points)

8. Proposed Investment Amount

< 1 lac (1 Points)

1-2 lcas (3 Points)

2-5 lacs (5 Points)

>5 lacs ( 7 Points)

9. Investment Experience

< 1 Years (3 Points)

< 3 Years (5 Points)

3-5 Year (7 Points)

> 5 Years (9 Points)

None (1 Point)

10. How many dependents do you financially support?

None (7 Points)

Only 1 (5 Points)

Between 1-3 (3 Points)

4+ (1 Point)

15. Risk Tolerance

High (5 Points)

Medium (3 Points)

Low (1 Point)

16. What percentage of monthly income is allocated to pay off debt {all EMIs}?

None (9 Points)

Between 0%-20% (7 Points)

Between 20%-35% (5 Points)

Between 35%-50% (3 Points)

>50% (1 Point)

17. Investment Objective?

To grow aggressively (9 Points)

To grow significantly (7 Points)

To grow moderately (5 Points)

To grow with caution (3 Points)

To avoid losing money (1 Points)

18. How long do you want to stay invested into pointed investment?

0-6 Months (1 Points)

7-12 Months (3 Points)

13-24 Months (5 Points)

24 Months (7 Points)

19. How secure is your current and future income from sources?

Note secure (1 points)

Somewhat secure (3 Points)

Fairly Secure (5 Points)

Very Secure (7 Points)

20. How familiar are you with your investment matters?

Not Family at all with Investment and feel uncomfortable with Complexity (1 Points)

Somewhat familiar. I don’t fully understand investments (3 Points)

Fairly Familiar. I understand the various factors which influence investment performance (5 Points)

Very Familiar. I use Research to make investment decision. I understand various factors which influence investment performance. (7 Points)

21. Assume that you have invested Rs 1, 00,000 in a share that goes down by 8% the next day.

Average your cost by investing another Rs 1, 00,000 at a lower price. (7 Points)

Do not bother because you had done enough research on the company. (5 Points)

Book your loss and invest in fixed deposits or bonds. (1 Points)

Hold on till the share comes back to your cost price and sell it (3 Points)

22. How would you ‘honestly’ describe yourself as a risk-taker?

Reckless (I Don’t mind if lose money)- 7 Points

Willing to take evaluated risks (I can’t tolerate a some loss)-5 Points

Low risk talking capability. (I’d have a hard time tolerating any losses)- 3 Points

Extremely averse to risk. (I need to see at least some return)-1 Points

23. What is the condition of your emergency fund?

I do not have (1 Points)

I do not have but I can manage (3 Points)

I am maintaining (5 Points)

24. What percentage of monthly income is allocated to pay off debt [all EMIs]

None (7 Points)

Between 20%-35% (5 Points)

Between 35%-45% (3 Points)

>50% (1 Points)

25. How would you describe your overall income status?

About manage to make ends meet; no monthly saving. (1 Points)

PF and other employment benefits are may only source of savings. (3 Points)

Put aside at least 10% of my take -home salary every month in savings. (5 Points)

Have more than 30% of my take – home salary every month. (7 Points)

Income from my wealth more than adequately provides for my cost of living. (9 Points)

Risk assessment and product Recommendations

The maximum total is 140, if client score less than 50 he is a low risk appetite client, if client scores between 51-100, he is a medium risk appetite client and if scores above 100 he is high risk appetite client.

Low risk appetite client will not be offered any services.

Risk Based Classification of the services

S.NO.	Products	Risk Classification
1	Stock Cash	Medium
2	Stock Future	High
3	Option Call & Put	High
4	Stock Cash+Future	High
5	Nifty Future	High
6	Nifty Option	High
7	BTST/STBT	High
8	Equity Plus	High
9	Equity Premium	High
10	Positional (Cash/Future/Option)	High
11	Futech (Technofunda)	High
12	Equity Platinum	High
13	Equity Signature	High
14	Bullion	High
15	Metal	High
16	Energy Pack	High
17	Agri Pack	High
18	Bullion + Metal	High
19	Commodity Premium	High
20	Commodity Platinum	High
21	Commodity Signature	High

Basis of Classifications

All the products have been classified using following

Medium Risk	High Risk
Stock Cash	All Other Products

Client Declaration

Client Declaration I hereby declare that the details furnished above are true and correct to the best of my knowledge and belief and I undertake to inform you of any changes therein, immediately. In case any of the above information is found to be false or untrue or misleading or misrepresenting, I am aware that I will be held liable for it.

RISK DISCLOSURE

I Agree Terms & Conditions

PLEASE READ THE DISCLOSURE BEFORE SUBSCRIBING ANY SERVICES WITH US.

Stock trading is inherently risky. Prior to trading securities and commodities you must be aware of the risks involved. The high degree of leverage associated with these types of investments means that the degree of risk compared to other financial products is higher. Leverage (or margin trading) may work against you resulting in substantial loss. Past performance[s] of these types of investments does not guarantee any future results. You must bear in mind any commission and tax liabilities you personally will have from investing with us. Finetech research and investment advisor accepts no liability for any tax/commission/brokerage you may be required to pay on any profits/loss made during the service tenure with us. Trading on Margin involves a high level of risk and is not suitable for all investors. The high degree of leverage can work against you as well as for you and the speeds which profits and losses can occur, means that clients should monitor positions closely – it is the clients’ sole responsibility to monitor open trades. Before trading, you should carefully consider your investment objectives, level of financial experience, risk appetite and suitability of service offered by Finetech research and Investment advisor. If you are at all unsure as to the suitability of the products offered by Finetech Research and Investment advisor. Please seek other/independent financial adviser. Only surplus funds should be placed at risk and anyone who does not have such funds should not participate in trading securities and commodities.

Your Total Risk Assessment Score :-

Captcha Code :-

Investment in stock or commodity market are subjected to market risk, before taking expert advice & any services with Finetechresearch and investment advisor, client should read disclaimer, terms and conditions, refund policy of the company. Past Performance is not a Guarantee of Future Performance.Finetechresearch and investment advisor does not claim/give any assured returns, profit sharing, commitment and guaranteed plan. Please beware of fraudulent calls. We do not accept any payment in saving accounts. Expert advice client get sms or call DND number also.