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Very uncomfortable

Quite uneasy.
Accepting of the possible
highs and lows.
Excited by the potential for
gain.

Preserve my capital. I would


rather have a low rate of
return and know my initial
capital is secure.

I want my investment to
produce income I need. My
capital should remain
relatively stable.

1
1

5
3

Ch
1

10%
2

30%

20%

I understand that the value of


my investment(s) may
fluctuate. I am willing to
accept some fluctuations
in my capital for the potential
of achieving higher returns
over the longer term.

I am willing to accept a high


degree of risk for the
potential of achieving a
higher rate of return over
the longer term.

I can't accept any declines in


the value of my investments.

If the income I received didn't


change, I would not be too
concerned about my capital
declining in the short term.

40%

Chart Title
1

I can't accept any declines


the value of my investmen
2
10%
40%

20%

30%

I generally invest for the lo


term, but would rather be
moderately concerned with
this decline.

I can't accept any declines


the value of my investmen
10%
40%

I generally invest for the long


term, but would rather be
moderately concerned with
this decline.

I invest for the long term and


would accept these
fluctuations as part of my
desire for higher
returns associated with higher
risks.

Very optimistic.
Generally optimistic.

1
2

I generally invest for the lo


term, but would rather be
moderately concerned with
this decline.

20%

30%

10% 10%
Sometimes optimistic and
sometimes a bit concerned.
Generally concerned.
Very concerned.

3
1
2

20%

Very optimistic
20%

Sometimes op
sometimes a b

Very concerned
10%
30%

I have never made an


investment other than a
savings account.

I have a portfolio of shares


that I actively manage.

I own, or owned, a small


number of shares and have
found it a good financial
experience.

I have a portfolio of share


that I actively manage.
10%
10%

I owned shares in the past but


felt uncomfortable with the
movement up and down in
their value.

30%

20%
2

30%

I owned shares in the pas


but felt uncomfortable wi
the movement up and do
in their value.

I have never owned share


and would not want to.

I have never owned shares


but would like to if I had
spare cash.

I have never owned shares


and would not want to.

Withdraw my money and put


it in a bank deposit account to
prevent any further losses.
Transfer my money to a more
secure investment option to
reduce the risk of further
losses.

10%
2

30%
20%

Monitor the investment and


wait to see if it improves
before deciding what to do.

Invest more funds to take


advantage of the lower price,
expecting future growth.

Transfer my money to a
riskier investment, with
possible higher return, to try
to recoup my losses.

Daring.

A thoughtful risk taker.


Careful.

2
5

Very cautious and risk averse.

Less than 5%
5% - 10%
11% - 15%
Above 15%

1
1
3
6

Not concerned
Slightly concerned

1
3

Moderately concerned
Highly concerned
Extremely concerned

2
3
1

No experience at all

40%

27%

9%
18%

Daring.

A thoughtful risk
taker.

Careful.

Very cautious and


risk averse.

45%

9%
55%

No experience a

10%
40%

9%
27%

20%

Some experienc

Not very familiar, mainly


invested in bank deposits and
MRF

40%
Some experience, with
experience investing in unit
trusts, shares, REITs, etc.

Wide experience with a range


of investments in shares,
bonds, Initial Public
Offerings (IPO's), options,
etc.

I want investments that have


a low degree of risk.

I want a diversified mix of


low risk investments, but I
am happy to have small
portion of my portfolio in
investments with a higher
degree of risk to achieve a
slightly higher return. I am
prepared to accept a negative
investment return once every
7 to 9 years.

I want a spread of
investments in a balanced
portfolio. I am prepared to
accept a negative return once
every 5 to 7 years

20%

30%

Some experienc
experience inve
trusts, shares, R

I want investments t
a low degree of risk.

10%
30%

20%

2
20%

I want a diversified
investment portfolio with an
emphasis on higher returns,
but still maintain a
small number of low risk
investments. I am prepared to
accept a negative return once
every 3 to 5 years.

No experience a

10%

I want a spread of in
in a balanced portfo
prepared to accept a
return once every 5

20%

I would only select


investments that ha
higher degree of risk
potential to earn a h
ofreturn. I am prepa
accept a negative re
every 1 to 3 years to
this goal.

potential to earn a h
ofreturn. I am prepa
accept a negative re
every 1 to 3 years to
this goal.

I would only select


investments that have a
higher degree of risk with the
potential to earn a higher rate
of return. I am prepared to
accept a negative return once
every 1 to 3 years to achieve
this goal.

All of it.
More than half of it.
Half of it.
Less than half of it.
None of it.

1
3
2
3
1

A very small amount, if any


A small amount.
A medium amount.

1
2
4

A large amount of risk.

I strongly agree with this


statement.
I tend to agree with this
statement.
I neither agree nor disagree
with this statement.
I tend to disagree with this
statement.
I strongly disagree with this
statement.

I own or owned, an
investment property that I
rent out and found it a good
financial experience.

10% 10%
30%

30%

20%

30%

10%
20%

40%

3
2

2
2
1

1
20%

20%

I owned investment
properties in the past but felt
uncomfortable with the risk
of rent not being paid or
unexpected expenses.

I have never owned an


investment property but
would like to if I had spare
cash.

I have never owned an


investment property and
would not want to.

I strongly agree with this


statement.
I tend to agree with this
statement.
I neither agree nor disagree
with this statement.
I tend to disagree with this
statement.
I strongly disagree with this
statement.

No, I would not take that


kind of risk.
No, but I would have if I had
the money
Yes, once or twice.
Yes, quite often.

Not secure.
Somewhat secure.
Fairly secure.
Very secure

2
3

2
2
1

1
1
5
3

0
1
4
5

30%

C har t Title
Very

un comfo rt abl e

Qu ite u nea s y
.

Acce ptin g of th e po ss ib le
h ighs an d lows.

Ex
cite d by
g ain .

the p ot en tial for

Chart Title

Preserve my capital. I would rather have


a low rate of return and know my initial
capital is secure.
I want my investment to produce income
I need. My capital should remain
relatively stable.

10%

20%

40%

I understand that the value of my


investment(s) may fluctuate. I am willing
to accept some fluctuations inmy
capital for the potential of achieving
higher returns over the longer term.
I am willing to accept a high degree of
risk for the potential of achieving a
higher rate of return over thelonger
term.

Chart Title

n't accept any declines in


value of my investments.

If the income I received didn't


change, I would not be too
concerned about my capital
declining in theshort term.

nerally invest for the long


m, but would rather be
derately concerned with
decline.

I invest for the long term and


would accept these
fluctuations as part of my
desire for higher
returnsassociated with
higher risks.

n't accept any declines in


value of my investments.

If the income I received didn't


change, I would not be too
concerned about my capital
declining in theshort term.

nerally invest for the long


m, but would rather be
derately concerned with
decline.

I invest for the long term and


would accept these
fluctuations as part of my
desire for higher
returnsassociated with
higher risks.

Very optimistic.

Generally optimistic.

Sometimes optimistic and


sometimes a bit concerned.

Generally concerned.

Very concerned.

I have never made an


investment other than a
savings account.

have a portfolio of shares


at I actively manage.

I own, or owned, a small


number of shares and have
found it a good financial
experience.

owned shares in the past


ut felt uncomfortable with
e movement up and down
their value.

I have never owned shares


but would like to if I had spare
cash.

have never owned shares


nd would not want to.

Withdraw my money and put


it in a bank deposit account
to prevent any further
losses.

0%

20%

Transfer my money to a
more secure investment
option to reduce the risk of
further losses.
Monitor the investment and
wait to see if it improves
before deciding what to do.
Invest more funds to take
advantage of the lower price,
expecting future growth.
Transfer my money to a
riskier investment, with
possible higher return, to try
to recoup my losses.

ng.

A thoughtful risk
taker.

ful.

Very cautious and


risk averse.

%
%

Less than 5%

5% - 10%

11% - 15%

Above 15%

10% 10%
30%

30%
20%

No experience at all

Not very familiar, mainly


invested in bank deposits and
MRF

Some experience, with

Wide experience with a range

Not concerned
Slightly concerned
Moderately concerned
Highly concerned
Extremely concerned

No experience at all

Not very familiar, mainly


invested in bank deposits and
MRF

Some experience, with


experience investing in unit
trusts, shares, REITs, etc.

Wide experience with a range


of investments in shares,
bonds, Initial Public Offerings
(IPO's), options, etc.

I want investments that have


a low degree of risk.

I want a diversified mix of low


risk investments, but I am
happy to have small portion of
my portfolio in investments
with a higher degree of risk to
achieve a slightly higher
return. I am prepared to
accept a negative investment
return once every 7 to 9
years.

I want a spread of investments


in a balanced portfolio. I am
prepared to accept a negative
return once every 5 to 7 years

I want a diversified investment


portfolio with an emphasis on
higher returns, but still
maintain a smallnumber of
low risk investments. I am
prepared to accept a negative
return once every 3 to 5 years.

I would only select


investments that have a
higher degree of risk with the
potential to earn a higher rate
ofreturn. I am prepared to
accept a negative return once
every 1 to 3 years to achieve
this goal.

potential to earn a higher rate


ofreturn. I am prepared to
accept a negative return once
every 1 to 3 years to achieve
this goal.

% 10%

All of it.

More than half of it.

Half of it.

Less than half of it.

30%

None of it.

20%

A very small amount, if any

10%

A small amount.

20%

A medium amount.
A large amount of risk.

40%

10%
20%
20%

30%

I strongly agree with this


statement.

I tend to agree with this


statement.

I neither agree nor disagree


with this statement.

I tend to disagree with this


statement.

I strongly disagree with this


statement.

20%

I own or owned, an investment


property that I rent out and
found it a good financial
experience.

10%
10%

50%

30%

I owned investment properties


in the past but felt
uncomfortable with the risk of
rent not being paid or
unexpected expenses.
I have never owned an
investment property but would
like to if I had spare cash.
I have never owned an

I own or owned, an investment


property that I rent out and
found it a good financial
experience.

10%
10%

50%

I owned investment properties


in the past but felt
uncomfortable with the risk of
rent not being paid or
unexpected expenses.
I have never owned an
investment property but would
like to if I had spare cash.

30%

I have never owned an


investment property and would
not want to.

I strongly agree with this


statement.
10%

I tend to agree with this


statement.

20%

20%

I neither agree nor disagree


with this statement.

20%

30%

I tend to disagree with this


statement.
I strongly disagree with this
statement.

30%

10%
10%

50%

No, I would not take that kind


of risk.

No, but I would have if I had


the money

Yes, once or twice.

Yes, quite often.

10%
50%

Not secure.
Somewhat secure.

40%

Fairly secure.
Very secure

erned

oncerned

ly concerned

ncerned
concerned

e with this

gree with this

an investment
ent out and
financial

ent properties
elt
with the risk of
paid or
enses.

ned an
perty but would
are cash.

ned an

an investment
ent out and
financial

ent properties
elt
with the risk of
paid or
enses.

ned an
perty but would
are cash.

ned an
perty and would

with this

with this

nor disagree
ment.

ee with this

ree with this

have if I had

ecure.

what secure.

secure.

ecure