BICB CAPITAL SDN BHD

Risk Profiler
New Existing
Client Name : Completion Date :
Client IC No: Staff ID:
Client Ref No:
This Risk Profiler (RP) is designed to help ascertain your attitude towards risk and provide guidance on possible
investment products that may be suitable for your consideration.
1. Which age group do you belong to?
a. 18 - 45 4 points( )
b. 46 - 55 3 points( )
c. 56 - 65 2 points( )
d. Above 65 1 point ( )
2. How experienced are you with investments products (eg shares, unit trusts, etc)?
a. Experienced 4 points( )
b. Fairly experienced 3 points( )
c. Little experience 2 points( )
d. No experience 1 point ( )
3. What do you currently hold in your portfolio?
a. Aggressive investment tools (eg options, shares, futures, single country unit trust) 4 points( )
b. A mixture of aggressive (eg options, shares, single country unit trust) and conservative
(eg bonds, capital protected) investment tools 3 points( )
c. Conservative investment tools only (eg bonds, capital protected funds, capital guaranteed 2 points( )
funds)
d. Cash (savings a/c, current a/c, time deposits) 1 point ( )
4. Choose the statement that best represents your views on risk.
a. I always look for investment tools with higher risk and am willing to accept significant
losses in capital for potentially larger returns 4 points( )
b. I am prepared to take higher risk in exchange for better returns on my investment 3 points( )
c. I am willing to accept risks in return for potential in capital growth 2 points( )
d. I am not comfortable with risks and wish to preserve my capital 1 point ( )
5. How long do you intend to hold your investments
a. Over 10 years 5 points( )
b. Between 5 - 10 years 4 points( )
c. Between 3 - 5 years 3 points( )
d. Between 1 - 3 years 2 points( )
e. Less than 1 year 1 point ( )
6. What is your objective for investing?
a. Capital growth only 4 points( )
b. Capital growth then some income 3 points( )
c. Generation of income then some capital growth 2 points( )
d. Generation of income (eg interest, dividends, etc) 1 point ( )
7. The investment you are currently holding fluctuates in value. How much unrealised
loss would you be able to tolerate?
a. More than 40% 4 points( )
b. Between 21 - 40% 3 points( )
c. Between 6 - 20% 2 points( )
d. Less than 5% 1 point ( )
8. You have invested a significant portion of your wealth in a unit trust. The market has been posting
negative returns for the past 1 month with the outlook uncertain. What would you do?
a. Inject more funds 4 points( )
b. Do nothing 3 points( )
c. Sell half of your holdings 2 points( )
d. Sell the fund 1 point ( )

Total Score
 Scoring Guide

Total Score Profile Description

You want to preserve your capital and are looking

< 12 points Risk Averse
for potential returns higher than your fixed deposits
You want a combination of income and some capital
growth over the medium to long term. You accept
12 - 22 points Conservative
that the value of your investment can fall below your
original capital
You want a mix of capital appreciation and income
23 - 31 points Balanced from your investment. You accept that there will be
moderate fluctuations in your investments
You want to maximise capital appreciation over the
> 31 points Adventurous long term. You are willing to take substantial risk
for potentially higher returns
Based on your responses to the questions above, your attitude towards risk is likely to be
.

If you disagree with the result, please indicate the profile that you believe is more accurate.
Risk Averse Conservative Balanced Adventurous

I/We confirm that the investment risk presented in the Risk Profiler is correct and that I/we have provided the correct
information. I/We understand that the profile noted in this document is the basis of the suggested range of investment
products offered to me.
I/We confirm that I/we have been reminded on the necessity of having sufficient contingency funds to meet any
unforeseen events and that I/we have made the necessary arrangements.

Customer Signature (s): Date :

Disclaimer:
This document is provided by BICB Capital Sdn Bhd. The resulting profile is derived based on the reponses that you have
given the Company and should only be taken as a reference when considering any investments. This document and the
resulting profile should not be viewed as an offer to sell or a solicitation for an offer to buy any investment products and
must not be considered an investment advice. The Company accepts no responsibility or liability with regards to the
accuracy and completeness of the information supplied. Any information contained in this document will be kept
confidential.