Customer Investment Profile

Similar documents
Customer Investment Pro le Questionnaire

Investor Questionnaire

Service and Investment Risk Profile

PRELIMINARY QUESTIONS & MORNINGSTAR RISK TOLERANCE QUESTIONNAIRE (MRTQ)

Risk Tolerance Questionnaire

Risk Tolerance Questionnaire. Name:. Date:... Investor Profile Worksheet

The Risk Profiler. What is risk? Risk and return. What is your risk profile? Financial Planning - Risk Profiler Page 1 of 7

RISK TOLERANCE ASSESSMENT

A. 2 3 years 20 B. 4 6 years 38 C years 50 D. 10+ years 69

Form. Investor profile Questionnaire. Client name: Date: Signature:

I want to focus on my goals and needs

Please complete the questionnaire in full (questions one to 14). 1. What is the intent of your portfolio? Please select the most appropriate one.

Risk Profile Questionnaire

Client Investment Profile (CIP) Questionnaire for Individuals or Investment Companies 2018

Client Investment Profile (CIP) Questionnaire for Corporates 2018

Investment Profile Questionnaire

Asset allocation strategy workbook

Investment Profile Questionnaire

your goals Investing to achieve

RISK TOLERANCE QUESTIONNAIRE-INDIVIDUALS

Understanding Your Priorities

CLIENT RISK PROFILE QUESTIONNAIRE

APPLICATION FORM SELF INVESTED PERSONAL PENSION (SIPP)

Asset Allocation Recommendation

Risk Tolerance Questionnaire

Investment Risk Profiling Questionnaire

Diversification made easy. Asset Allocation Guide

Version: Individual Questionnaire_

Client Services. Assessing Your Attitude to Risk. 1 Lonsdale Services Limited

Identifying your Investor Profile

C L I E N T R I S K P R O F I L I N G A P P R O A C H

Asset Allocation. Identifying the Investment Mix. Issuers: Integrity Life Insurance Company National Integrity Life Insurance Company

APPLICATION FORM MANAGED PORTFOLIO SERVICE

Participant Asset Allocation: Questionnaire and Core Models

Your investor profile

Customer Investor Profile Increase your potential for higher returns.

Risk Profile Questionnaire

Emirates NBD SICAV Emirates Active Managed Fund Term Sheet

PRIVATE CLIENT MANAGED PORTFOLIOS. Investor Profile Questionnaire

Risk Tolerance Assessment Matching risk tolerance and time horizon to an allocation

How to Match Your Risk Tolerance to Your Investment Strategy

What type of investor are you?

CLIENT SUITABILITY ASSESSMENT FORM FOR INDIVIDUAL ACCOUNTHOLDERS - PERSONAL PROFILE

your future Know your risk tolerance FIN2-9

Madison, Wisconsin Isthmus INVESTOR PROFILE

Retires in. Bonnie plans to retire in She s somewhat concerned about fluctuating investment values, so you could call her a balanced investor.

Your future. Know your risk tolerance

Investment Policy Statement Questionnaire

Fixed Annuity Compliance Form

OFFSHORE BOND MANAGED PORTFOLIO SERVICE

Emirates NBD Asset Management Ltd Individual Financial Assessment Form

Financial Profiling Form

This risk^ profile questionnaire has been designed for the Select Ready-made portfolios called Selected Portfolios.

RISK TOLERANCE QUESTIONNAIRE-INDIVIDUALS

INVESTOR QUESTIONNAIRE FIND YOUR FIT

SUN LIFE TACTICAL ETF PORTFOLIOS

Important Information about Structured Products

CARING FOR TOMORROW BEGINS TODAY

Investment Risk Profile Questionnaire

Personal Risk Tolerance Assessment

Investor Profile Questionnaire

INVESTMENT GUIDE. Table of Contents. Introduction About Savings Plus... 1 How to Invest for Your Retirement... 1

The Strength of Global Diversification

Asset strategy. workbook. Issue Number 10 April prepared for Adviser name

Investing basics. Shelly Maas, Merrill Lynch Financial Wellness Specialist. June 15, 2018

Investment Objective & Risk Profile Questionnaire Cadaret, Grant & Co., Inc. Registered Investment Advisor

Please complete and sign this Application, along with any required supplemental forms identified through this application process.

Total your Time Horizon points: MUGC9288. RISK TOLERANCE The risk you are willing to take in exchange for the possibility of a greater return.

INVESTMENT GUIDE. Employer Sponsored Division. This guide contains important information about your Nationwide Super investment options.

SERVING A STRONG FUTURE

Attitude to Risk Questionnaire - Investment

INVESTOR PROFILE QUESTIONNAIRE

INVESTOR QUESTIONNAIRE FIND YOUR FIT

Version: Corporate Questionnaire_

WHETHER YOUR RETIREMENT IS 40 YEARS AWAY OR ON THE HORIZON, IT IS IMPORTANT TO TAKE STOCK OF YOUR SITUATION AND TAKE CHARGE.

Investment Risk Profiling Questionnaire

SEGREGATED FUNDS. Savings and Retirement PIVOTAL SELECT TM. Investor Profile Questionnaire

CLIENT: DATE: ADVISER: Australian Financial Services Licence No FACT FIND. Version: BG1.00. The FinancialLink Group Pty Ltd

Please complete and sign this Application, along with any required supplemental forms identified through this application process.

Please complete and sign this Application, along with any required supplemental forms identified through this application process.

Investor Profile Questionnaire. Client s Name: Advisor s Name: Date: Financial Goal: A-SEP17

APPLICATION FORM SELF INVESTED PERSONAL PENSION (SIPP)

ANNUITIES VARIABLE. MetLife Retirement Perspectives. asset allocation questionnaire

Financial Values Worksheet

THE FUNDMATCH WORKSHEET

Feed Future. your. Enrollment Overview. Jerry s Enterprises, Inc. Employees 401(k) Plan

Investor Profile Questionnaire

THE OPTIMA STAR LONG FUND (THE "FUND")

Fisher Funds TWO KiwiSaver Scheme

Attitude to Risk Questionnaire - Retirement

Pension Review Questionnaire

Determining your investment mix

Your Guide to Getting Started

CLIENT FACT FIND COMPREHENSIVE

ADD OPTION & MARGIN PRIVILEGES

APPLICATION FORM MANAGED PORTFOLIO SERVICE

Risk Assessment Questionnaire

2 Provide account holder information (Please attach necessary documents.)

Asset Allocation Strategy workbook

Asset Allocation Questionnaire

Transcription:

Customer Name: Relationship Number: The purpose of this investment profile form is for us to better understand your financial means, investment experience, investment objectives and general attitude towards investment risks. Your input will help us identify your investment profile, which will form the basis for a discussion between you and your Relationship Manager on suitable investment solutions for you. If you do not wish to provide any particular information, please indicate against the relevant question. Please note that the results of this profiling will be adversely affected by any inaccurate or incomplete information 1 Tell us about yourself I am above the retirement age Yes No My highest level of education is All up to Primary Secondary University I rely on the majority of my savings with Standard Yes No Chartered Bank (SCB) to fund my basic living expenses US Person/Citizen* Yes No *Includes individuals residing in the US, US citizens, US Green Card holders, US Persons, US Tax Persons (as defined under the US Securities Act of 1933, United States Internal Revenue Code of 1986). (If Yes to above, please do not proceed with the profiling / subscription). 2 What is your current financial position Amount in local currency My estimated annual income is... My estimated financial net worth is Primary Residence... Cash and Deposits... Investment Products (Mutual Funds, Equities, Bonds, etc.)... Others (Real Estate, Business, etc.)... Outstanding loans or credit... ( ) My Total Net Worth... 1

3 What is your investment objective and risk tolerance? Investing involves a trade-off between risk and return. Historically, investors who have received higher average long-term returns have experienced greater fluctuations in the value of their portfolio and more frequent losses than investors with more conservative investments. We have provided time periods that indicate how long you might have to hold a position in order to recover from a loss. Please keep in mind that it is possible that some investments may lose their total value or might take longer to recover. Standard Chartered recommends investing into multiple products to address these risks through diversification. A Your Investment Objective My sole objective is to protect the value of my capital. Time Deposits are one example of products that might meet this investment objective. Your Risk Tolerance* I am not comfortable in taking any investment risk. Indicative Recovery Periods** - B My objective is to achieve investment returns above deposit rates. Government bonds are one example of products that might meet this investment objective. I am only comfortable in taking a low level of investment risk. (1% - 10 %) Up to 2 Years C My objective is to achieve low to moderate capital growth on my investments. Investmentgrade corporate bonds are one example of products that might meet this investment objective. I am willing to take moderate levels of investment risk. (10% - 15%) 2-3 Years D My objective is to achieve moderate to high capital growth on my investments. Equity Mutual Funds are one example of products that might meet this investment objective. I am willing to take high levels of investment risk. (15% - 20%) 3-5 Years E My objective is to achieve substantial capital growth on my investments. Equities are one example of products that might meet this investment objective. I am willing to take significantly high levels of investment risk. (20% - 30%) Over 5 Years F My objective is to achieve exceptional capital growth on my investments. Private Equity is one example of products that might meet this investment objective. I am willing to take extreme levels of investment risk. (Over 30%) Over 5 Years Definitions: * Risk Tolerance: This reflects the potential decline you can accept on your total holdings with SCB on a yearly basis. The ranges have been calculated based on historical data and SCB cannot guarantee that these numbers are the absolute maximum. You might experience single cases where your volatility might be higher due to extreme market conditions. SCB strongly recommends diversification of assets to bring down volatility in your holdings. ** Indicative Period (of potential price) Recovery: This is the timeframe you would be willing to wait for your total portfolio to recover from a decline in value. The ranges have been calculated based on historical data and SCB cannot guarantee that these numbers are the absolute maximum. You might need to wait longer to achieve full recovery in single cases and you need to be prepared that some investments might lose their total value. 2

4 Will you require the ability to access your investment for the purpose of withdrawing cash? For liquidity purposes, you may require the ability to withdraw your investments from SCB. Please choose from the most applicable option: A I will need to withdraw more than 75% of my SCB investments in the next 12 months. B I will need to withdraw more than 50% of my SCB Investments in the next two to three years. C I will need to withdraw more than 25% of my SCB investments in the next couple of years. D I do not need to withdraw my SCB investments to meet my liquidity needs. 5 How would a decline in the value of your investments affect you? A I am not willing to accept declines in the value of my investment as capital preservation is my primary objective. B I am willing to accept some declines, but I am not comfortable with moderate to extreme drops in the value of my investments. C I am willing to accept moderate declines, but I am not comfortable with extreme drops in the value of my investments. D I am prepared to take losses and large fluctuations in the value of my investments in order to maximise my long term returns. 6 What is your level of knowledge and experience with investment products? Please choose the options that reflect your knowledge and experience of investment products: My experience and knowledge on the following investment product is: Knowledge Yes No None Experience Limited (1-3 Years) Experienced (>3 Years) Foreign Currency transactions Structured Products with Principal Protection Structured Products without Principal Protection Fixed Income (e.g. Bonds) Mutual Funds Individual Equities Derivatives, Options or Leverage 3

7 Your Final Selection. Please confirm your choice by picking your final profile: 1 Risk Averse Your sole objective is to preserve your capital and achieve returns based on prevailing deposit rates which may or may not keep pace with the rate of inflation. You are not willing to invest in any products where your capital is at risk. 2 Conservative You seek to achieve above deposit rate returns and protect your capital against inflation. You are willing to accept very low levels of investment risk over the medium term (up to 2 years). The value of your investment can fluctuate and may fall below your original investment. While volatility is expected to be low, short-term losses may be higher. 3 Moderate You seek to achieve a moderate level of capital growth on your investments and you are willing to accept moderate levels of investment risk over the medium to long term (up to 3 years). The value of your investments can fluctuate and may fall below your original investment. While volatility is expected to be moderate, short-term losses may be higher. 4 Moderately Aggressive You seek to achieve a moderate to high level of capital growth on your investments and you are willing to accept high levels of investment risk and volatility over the short, medium and long term. The value of your investments can experience high levels of fluctuations and may fall substantially below your original investment. 5 Aggressive You seek to achieve significant capital growth on your investments and you are willing to accept very high levels of investment risk and volatility over the short, medium and long term. The value of your investments can experience very high levels of fluctuations and may fall substantially below your original investment. 6 Very Aggressive You seek to achieve exceptional capital growth on your investments and you are willing to accept extreme levels of investment risk and volatility over the short, medium and long term. The value of your investments may fall substantially below your original investment, with the potential for you to lose the value of your entire investment. Based on your responses to the questions, your Investment Profile is: Risk Averse Conservative Moderate Moderately Aggressive Aggressive Very Aggressive I/We hereby delegate Standard Chartered Bank (the Bank ) to open an Investments account(s) once my investments instructions are received by the Bank as stated in this clause. I/We acknowledge and agree that (i) the Investment Services T&Cs and the Risk Disclosure Document are available at [https://www.sc.com/ae/ important -information.html], as updated from time to time (the ISTC and RDD ) and where applicable the relevant Know Your Investment Risk (KYIR) document I/We will receive; (ii) the ISTC and RDD shall apply to all transactions in relevant investment products (other than investment linked insurance products) that I/We enter into with or through the Bank; (iii) the Bank shall open such Investments account(s) as necessary for such transactions based on my investment instructions; and (iv) the ISTC and RDD shall not apply to Me/Us if I/We do not enter into any investment products with or through the Bank 4

I/We acknowledge and agree that in the event that I/We subscribe to Mutual Funds, then the following shall apply. Securities and Commodities Authority s ( SCA ) approval of the fund promotion within the UAE does not represent a recommendation to purchase or invest in the fund, and that SCA may not be held liable for any default by any of the concerned parties in the fund in the performance of its tasks and duties, or the accuracy and integrity of the data in the fund prospectus. Such liability remains with the parties specified in the prospectus as per the roles and duties of each party. I hereby request from and authorize Standard Chartered Bank (The Bank) to act on any instructions given by any Electronic channels to the Bank to invest in the Investment products. I /We hereby authorize the Bank to debit any of my /our existing account(s) for an amount that will be confirmed and provided to the Bank. Account Holder Signature: Name: Date: For Office use only: Attended by PW ID: Signature verified: PW ID: For Non-Individual relationship, please ensure the form is signed in accordance to the signature requirements in the Bank s records. This document is available in Arabic upon request. يرجى التكرم بالعلم با ننا سنقوم بتزويدكم بترجمة للعربية عن هذه الوثيقة عند الطلب 5

Manual Scoring Matrix (Internal Use Only) Scoring Result Answers Q3 Q4 Q5 Final Risk Profile Answers Q3 Q4 Q5 Final Risk Profile Answers Q3 Q4 Q5 Final Risk Profile A A A 1 A B A 1 A C A 1 A D A 1 A A B 1 A B B 1 A C B 1 A D B 1 A A C 1 A B C 1 A C C 1 A D C 1 A A D 1 A B D 1 A C D 1 A D D 1 B A A 1 B B A 1 B C A 1 B D A 1 B A B 2 B B B 2 B C B 2 B D B 2 B A C 2 B B C 2 B C C 2 B D C 2 B A D 2 B B D 2 B C D 2 B D D 2 C A A 1 C B A 1 C C A 1 C D A 1 C A B 2 C B B 3 C C B 3 C D B 3 C A C 2 C B C 3 C C C 3 C D C 3 C A D 2 C B D 3 C C D 3 C D D 3 D A A 1 D B A 1 D C A 1 D D A 1 D A B 2 D B B 3 D C B 4 D D B 4 D A C 2 D B C 3 D C C 4 D D C 4 D A D 2 D B D 3 D C D 4 D D D 4 E A A 1 E B A 1 E C A 1 E D A 1 E A B 2 E B B 3 E C B 4 E D B 4 E A C 2 E B C 3 E C C 4 E D C 5 E A D 2 E B D 3 E C D 4 E D D 5 F A A 1 F B A 1 F C A 1 F D A 1 F A B 2 F B B 3 F C B 4 F D B 4 F A C 2 F B C 3 F C C 4 F D C 5 F A D 2 F B D 3 F C D 4 F D D 6 Check: Customer depends on his savings Yes No Customer is above the retirement age and/or up to primary education Yes No Note: If both answers are Yes, please do not offer products beyond Risk Class 1. Customer needs to be flagged on the system. 6