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    Know your risk profile


    It is always best to assess your tolerance for risk before investing in order to choose the best funds based on your financial situation, investment experience, and objectives.

    Please choose only one answer for each question

    A. Investment Needs
    1. Investment Objective: What is your key investment objective?
    To protect the principal amount of investments and earn steady stream of interest income.
    To preserve the capital or real value of investments.
    To achieve growth through a balance between interest income and capital gain over a medium term period.
    To achieve significant growth or capital appreciation over the medium to long term period.
    2. Investment Horizon: What portion of your investment can be placed in medium or long term investments, i.e., more than 3 years?
    10% to 30%
    40% to 60%
    70% to 80%
    90% to 100%
    3. Liquidity: Do you have regular liquidity requirements?
    I need to draw regular income from my investments and may use a portion of the principal in the short term.
    I do not need to draw regular income from my investments nor do I see the immediate need to use any portion of the principal in the short term.
    I have other sources of liquidity and do not see a real need to use funds for the next 5 to 10 years.
    I have other sources of liquidity and do not see a real need to use funds for the next 10 years.
    C. Risk Tolerance
    6. What is your tolerance for risk?
    I accept steady and minimal returns without any fluctuation in the principal amount of my investments.
    I accept minimal fluctuations in the principal amounts of my investments for commensurate returns.
    I accept a fair amount of fluctuation in the principal amount of my investments in order to achieve above average returns and capital growth over the medium term.
    I am prepared for a high degree of volatility and possibly losses in the principal amount of my investment for certain periods in order to achieve high returns or capital growth over a period of 5 years or more.
    7. If the value of your portfolio decreased by 20% in one year, how would you react?
    I will be very concerned and will immediately put my investment back to cash (i.e. in the form of deposits and/or short term government securities).
    I will be very concerned and will find safer investment outlets, which are not necessarily cash.
    I will be concerned and will review the aggressiveness of my portfolio.
    I will NOT be concerned about the short-term fluctuation of certain investments in my portfolio.
    8. What is your average net worth for the last 2 years?
    PHP5M (USD100,000) and below
    Over PHP5M (USD100,000) up to PHP30M (USD600,000)
    Over PHP30M up to PHP60M (USD1.2M)
    Over PHP60M
    B. Investment Knowledge and Experience
    4. What is your knowledge and experience on investments?
    Minimal. I know bank deposits, T-bills and money market placements.
    Low. Outside deposits and short term government securities, I have experience investing in money market funds, corporate bonds and fixed income bonds.
    Medium. I have experience investing in mutual funds, UITFs, foreign currencies and direct investment in listed stocks and bonds.
    High. I have an extensive experience in investing and have a broad understanding of the domestic and global capital markets in general.
    5. How many years of experience have you had investing in securities, either directly or through a fund manager?
    1 year or less
    More than 1 year up to 5 years
    More than 5 years up to 10 years
    More than 10 years
    0%
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    For inquiries and comments, please send an email to bpiwealth@bpi.com.ph or call us at (+632) 8580-2682. You may also send us a message or call our 24-hour BPI Contact Center at (+632) 889-10000.

     

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