Quinstinct Advisory Private Limited

Your Name*

Mobile Number (Optional)

Email Address*

Please read this before starting the risk profile questionnaire

We believe managing risks wisely is essential to long-term investment success.

A Risk Profile evaluation defines your relationship with financial risk. Without this evaluation, you would effectively be 'flying blind'.

Therefore, please answer the questions that follow carefully and transparently, with each question being taken on its own merits.

Please note that once submitted, you would be able to redo this evaluation again after one year only; therefore, please review your responses before submitting.

Remember that every question, unless otherwise specified, would be in the context of your overall investment portfolio, and not just any incremental surplus you may now have for investing.

Finally, the risk profile scores are the first step; through discussion and focusing on discrepancies, we can help clarify your relationship with financial risk, and, if necessary, modify the initial scores the profile answers generate.

Click START to begin the risk profile evaluation

Stocks	Bonds	FDs
0%	0%	100%
0%	30%	70%
10%	40%	50%
30%	40%	30%
50%	40%	10%
70%	30%	0%
100%	0%	0%

Stocks	Bonds	FDs
0%	0%	100%
0%	30%	70%
10%	40%	50%
30%	40%	30%
50%	40%	10%
70%	30%	0%
100%	0%	0%

Risk Profile

Which of these statements describes your investing approach best?

You have invested in a portfolio of securities, which has fallen in line with the market over the last year. Data shows that the underlying portfolio has now become attractively valued. Which of these statements would best describe your behaviour in this situation?

You have₹ 10 lacs to invest. You have two choices: 1. An investment that would give you a sure gain of ₹ 1 lac over the next year 2. An investment with a 50% chance of making ₹ 4 lacs and a 50% chance of losing ₹ 1 lac over the next year Assuming you could choose only one, which would it be?

Which of the statements below best describes what you would feel after taking any investment decision?

Suppose all your money is invested across stocks and equity mutual funds, and then economic conditions worsen, there is a mood of pessimism, and stock markets start falling. At what point would you run out of patience and consider moving a portion of your investments into cash?

Once you have invested all your money in your preferred portfolio in Q6 above, the equity market falls by 30%, and you have an option to rebalance your portfolio. Which of these portfolios below would you choose as your new portfolio?

Let's say a one year Bank FD offers you a return of 6.5% p.a. today. What kind of returns would you be happy with from your portfolio over the next 5 years?

You have to take out a housing loan to finance 70% of the cost of a new apartment. The bank offers you two choices: 1. Fixed Rate at 9.25% p.a. 2. Variable rate at 8.5% p.a., where the rate would go up or down depending on external factors. Which of the following would best describe your choice?

Approximately what portion of your current income are you able to set aside for investment?

Approximately what portion of your income (regular or investment-generated) would you need for repaying loans / other expenses?

How many family members are financially dependent on you?

In case there is an unexpected major expense, which of the following would be true?

If you had annual expenses of 20 lacs, and an investment corpus of Rs. 2 Crore, you would have an investment cover of 10 times your expenses (2 Cr/20 lacs). What is your current investment cover, going by this definition?