BCA - Cek Profil Resiko Investasi

Know Your Investment Risk Profile

The questions below serve as an instrument to find out the risks of Mutual Funds and investment products that match your investment risk tolerance.

Question 1/8 : Investment Objectives

Which statement best describes your goals in investing?

I expect a higher rate of return than savings and time deposits. I am not ready to take short-term negative investment fluctuations, and want to minimize the risk of reduced value from my initial investment

I would like to maintain my initial investment value, but I am willing to take short-term minor negative fluctuations over the short term. Low risk level is important to me, but I am willing to allocate some of my funds to instruments that provide a higher potential return and risk than savings or time deposits

I expect the value of my investment grow and earn a high rate of return. I take significant negative investment fluctuations over the short term, including a possible decline in the initial investment value

I expect the value of my investment to grow very rapidly and earn a very high rate of return. I can take very significant negative fluctuations over the short term, including the possibility of a decline in value or loss of the entire initial investment capital

Question 2/8 : Investment Horizon

How long is your investment horizon in Mutual Funds?

Question 3/8 : Portion of investment funds against assets

What percentage of your total liquid assets do you plan to invest in Mutual Funds?

< 25%

25 - 50%

50 - 75%

> 75%

Question 4/8 : Level of Dependency in investment returns

Will you depend on the income from the Mutual Fund investment for your regular expenses?

Dependent > 50%

Dependent 25 - < 50%

Dependent < 25%

Not dependent for at least the next 5 years

Question 5/8 : Risk tolerance

If the value of your current investment decreased by 10% compared to its value 6 months ago, what would you do?

Immediately withdraw the investment – because I cannot take a decrease in the principal investment value

Will not withdraw – however I will monitor the flow of my investment value more often in the future

Will not withdraw – I can take short-term negative fluctuations because I have long-term investment goals

Will increase the amount of my investment – the short-term negative fluctuation is my opportunity to add more value to my investment so I can obtain maximum rate of return

Question 6/8 : Your view on the decline of your initial investment value

The value of your investment may decrease due to market fluctuations. How much investment value decline can you tolerate?

Question 7/8 : Knowledge on Mutual Funds Industry

How much do you know about the Mutual Fund industry?

I don’t have any knowledge whatsoever about Mutual Fund industry

I have general knowledge about Mutual Fund industry

I have in-depth knowledge of Mutual Fund industry

Pertanyaan 8/8 : Knowledge on Mutual Funds Industry

Have you ever invested in Mutual Funds?

Question 8A/8 : For those who have never invested in Mutual Funds

How much do you know about Mutual Fund products?

I don’t know how the Mutual Funds works and have no knowledge that there is a potential decline in investment value in Mutual Funds.

I have an adequate general knowledge about the performance of Mutual Funds, as well as the types of Mutual Fund products (Money Market, Fixed, Income, Balanced, and Stocks)

I understand the performance of Mutual Funds. I can take the risk of reduced investment values in Mutual Funds to earn higher medium-term/long-term returns

I have in-depth understanding of the performance mechanisms of Mutual Funds and all risks associated with all types of Mutual Funds

Pertanyaan 8B/8 : For those who have invested in Mutual Funds

How much do you know about Mutual Fund products?

I don’t know how the Mutual Funds works and have no knowledge that there is a potential decline in investment value in Mutual Funds.

I have an adequate general knowledge about the performance of Mutual Funds, as well as the types of Mutual Fund products (Money Market, Fixed, Income, Balanced, and Stocks), but not the detail. Just know about the return.

I understand the performance of Mutual Funds. I can take the risk of reduced investment values in Mutual Funds to earn higher medium-term/long-term returns

I have in-depth understanding of the performance mechanisms of Mutual Funds and all risks associated with all types of Mutual Funds

Your investment risk profile

You are primarily concerned with the intactness of principal and do not mind forgoing bigger potential profits. You cannot tolerate the risk of principal loss, so you preferentially choose investment in the form of savings/deposits and Money Market Fund that can be withdrawn at any time.

Your Investment Risk Profile

Cash / Deposit

65%

Money Market

35%

Duration

< 1 Year

You expect steady growth of investment and periodic returns. You are willing to tolerate minimal risk and tend to make withdrawals in case of reduced investment value/loss.

Your Investment Risk Profile

Cash/Deposit

30%

Money Market

35%

Duration

1-3 Year

You invest with the main objective of earning periodic income and capital growth over medium term and long term. You can take the risks of reduced investment value over short term to obtain higher capital growth potential over the medium to long term investment. You are less likely to disburse your investment in the event of a decline in value, but you will be more aware of your investment.

Your Investment Risk Profile

Cash/Deposit

10%

Money Market

25%

Fixed Income

35%

Stock

30%

Duration

3-4 Years

You aim to develop the principal in the long term that attempts to maximise returns. You are willing to take substantial risk to achieve higher investment growth over the long term. You are less likely to withdraw your investment even in the event of reduced investment value.

Your Investment Risk Profile

Cash/Deposit

10%

Money Market

10%

Fixed Income

20%

Stock

60%

Duration

> 4 Years