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Risk Form


What is Risk Profile?

The investment advice and asset allocation for an investor would have to be customized to the ability and willingness of the investor to assume risk. This is determined by a risk profiling exercise, which seeks to assess the attitude towards risk and possible loss in the portfolio and the willingness to pursue an investment plan, after understanding the underlying risks.

Information

As SEBI registered investment adviser we obtain such information from clients as it is necessary for the purpose of giving investment advice. This information includes age, investment objective, investment horizon, income details, existing assets and liabilities and risk appetite.

Risk assessment

Investelite Research have a process for assessing the risk that a client is willing and able to take. And we inform clients about their Risk profile after risk assessment.
1. Assessing a client’s capacity towards Risk;
2. Identifying client attitude towards Risk;
3. Appropriately interpreting client responses to questions and not attributing inappropriate weight to certain answers.

Risk profiling tools

Inveselite Research use questionnaires to generate risk appetite scores of clients. We ensure that questionnaires is fit for the purpose and any limitations have been identified and mitigated. Our questionnaire is neither too complex nor misleading for the client to understand and express a fair opinion.


Clients' financial risk tolerance - attitudes, values, motivations, preferences and experiences, is measured with a risk profile. The risk profile questionnaire helps in understanding the risk tolerance levels of a client. Risk tolerance is the assumed level of risk that a client is willing to accept.


Financial risk tolerance can be split into two parts:


1. Risk capacity: the ability to take the risk

This relates to the client’s financial circumstances and their investment goals. Generally speaking, a client with a higher level of wealth and income (relative to any liabilities they have) and a longer investment term will be able to take more risk, giving them a higher risk capacity.

2. Risk attitude: the willingness to take the risk

Risk attitude has more to do with the individual's psychology than with their financial circumstances. Some clients will find the prospect of volatility in their investments and the chance of losses distressing to think about. Others will be more relaxed about those issues.


Risk tolerance is typically measured using questionnaires that estimate the ability and willingness to take risks. The responses of investors are converted into a score that may classify them under categories that characterize their risk preferences. Consider the following classification:



  • • Do not like to take risk with their investments. Typically new to risky instruments.

  • • Prefer to keep their money in the bank or in safe income yielding instruments.

  • • May be willing to invest a small portion in risky assets if it is likely to be better for the longer term.


  • • May have some experience of investment, including investing in risky assets such as equities.

  • • Understand that they have to take investment risk in order to meet their long-term goals.

  • • Are likely to be willing to take risk with a part of their available assets.


  • • Are experienced investors, who have used a range of investment products in the past, and who may take an active approach to managing their investments?

  • • Willing to take on investment risk and understand that this is crucial to generating long term return.

  • • Willing to take risk with a significant portion of their assets.

The risk preferences of the investor are taken into account while constructing an investment portfolio.


Suitability

As SEBI registered investment adviser we ensure the following:

  • • Investment advice and related investments are appropriate to the client’s risk profile.
  • • Investelite Research has a documented process for selecting products based on client’s investment objectives and financial situation.
  • • We always understand the nature and risks of products or assets selected for clients.
  • • We always have a reasonable basis for believing that a recommendation or transaction entered into:
    •     a. meets the client’s investment objectives;
    •     b. is such that the client is able to bear any related investment risks consistent with its investment objectives and risk tolerance;
    •     c. is such that the client has the necessary experience and knowledge to understand the risks involved in the transaction.

  • When advice is given to a client to purchase a complex financial product, such a recommendation or advice must be based upon a reasonable assessment that the structure and risk-reward profile of the financial product is consistent with clients experience, knowledge, investment objectives, risk appetite, and risk capacity

NOTE :- Find your questainer below. All fields are mandatory.

Name :-

Father's Name :-

Email Id :-

PAN No :-

Dath Of Birth :-

Gender :-

Aadhar Number :-

1. What is your age group?

Under 35
Under 45
46-55
55-60
60+

2. Investment Goal ?

Capital Appreciation
Regular Income
Capital Appreciation and Regular Income

3. Proposed Investment Amount ?

>50000
< 1 lack
1-2 lacs.
2-5 lacs
> 5 lacs

4. Preferred Investment type ?

Short term Positional
Long term
Intraday

5. Gross Annual Income details

Below 1 lac
1-5 lac
5-10 lac
10-25 lac
>25 lac

6. Market Value of portfolio held

< 1 lacs
1-2 lacs
2-5 lacs
> 5 lacs

7. Occupation (Please select the appropriate)

Private sector service
Public sector
Government sector
Business
Professional
Agriculturist
Retired
Housewife
Others

8. Investment Experience

< 3 years
3-5 years
6-10 years
> 10 years

9. Sources of Income

(A) Primary Source

Salary
Business

(B) Secondary Source

Royalties
Rental
Dividend
None

10. Experience in market products?

Extensive
Moderate
Less
Very Less
No experience

11. How many dependents do you financially support ?

None
Between 1-3
4+

12. What is the size of your emergency fund ?

do not have
< 1 month income
1-3 months income
3-6 months income
> 6 months income

13.What is your experience with equity investments?

Extensive experience
Moderate experience
Very less experience
No experience

14. What is your experience with Commodity investments?

Extensive experience
Moderate experience
Very less
No experience

15. What is your experience with investments in past?

Very Good
Good
Moderate
Bad
Very Bad

16. What is your preference w.r.t securities with low risk, low return over high risk,high return?

Strongly prefer
Prefer
Indifferent
Do not prefer
Strongly do not prefer

17. When market is not performing well do you prefer to buy risky investments and sell less risky investments?

Strongly prefer
Prefer
Indifferent
Do not prefer
Strongly do not prefer

18. Risk Tolerance

High
Medium
Low

19. What percentage of monthly income is allocated to pay off debt

None
Between 0% -20%
Between 20% - 35%
Between 35% - 50%
> 50%

20. Please Selects, if applicable, for any of your authorized signatories/ Promoters/ Partners/ Karta/ Trustees/ whole time directors :-

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Your Total Risk Assessment Score :-


Note : Client’s with long term investment goal or capital appreciation as investment objectives are not accepted at The Investelite Research Investment Adviser Private Limited.

Analysis

In setting up an investment portfolio suitable for you, your financial adviser will ask you a series of questions about your financial and lifestyle goals. Using this information, plus details of your current assets, liabilities and income, your adviser can determine what level of risk or exposure you are prepared to tolerate in relation to fluctuations in the marketplace - and the level that makes sense for your stage in life. From this, an appropriate mix of assets can be allocated to your investment portfolio.