Product Suitability Calculator

The Product Suitability Tool can help you determine your investment risk profile and determine the most suitable investment product for your unique financial circumstances. The tool is based on a questionnaire which considers your, personal traits, investment time horizon, your risk appetite and risk tolerance. The answers to these questions are then used to determine your risk profile and the best investment product suitable for you. This tool is a valuable resource for users who are looking for an easy way to identify their risk profile and find the most suitable investment product for their needs.

Risk Tolerance

In some instances, tax savings can be obtained from investments but this means taking on more risk. Which of the following statements best describes your goal for investing?

Preferably guaranteed returns, before tax savings. Stable, reliable returns, minimal tax savings. Some variability in returns, some tax savings. Moderate variability in returns, reasonable tax savings. Unstable but potentially higher returns, maximise tax savings

Assume you had an initial investment portfolio worth Rs.1,000,000. If, due to market conditions, your portfolio fell to Rs.850,000 within a short period, say a month, would you:
(If your portfolio has experienced a drop like this, choose the answer that corresponds to your actual behaviour.)

Sell all of the investments. You do not intend to take risks. Sell a portion of your portfolio to cut your losses and reinvest into more secure investment sectors. Hold the investment, expecting performance to improve. Invest more funds to lower your average investment price.

The data below shows the highest one year gain and highest one year loss on four different hypothetical investments of Rs.100,000. Given the potential gain or loss in any one year, where would you invest your money?

Investment Portfolio	Portfolio A	Portfolio B	Portfolio C	Portfolio D
Highest Gain	Rs. 15,000	Rs. 20,500	Rs. 26,000	Rs. 32,000
Highest Loss	Rs. 2,500	Rs. 6,500	Rs. 11,000	Rs. 15,000

Investment Portfolio A Investment Portfolio B Investment Portfolio C Investment Portfolio D

Which one of the following statements describes your feelings towards choosing an investment?

I would prefer investments with little or no fluctuation in value and have a low degree of risk associated with them. I am willing to accept the lower return associated with these investments. I prefer to diversify with a mix of investments that have an emphasis on low risk. I am happy to have a small proportion of the portfolio invested in assets that have a higher degree of risk in order to achieve a slightly higher return. I am prepared to accept a negative investment return of 1 in 10 years. I prefer to have a spread of investments in a balanced portfolio. I am happy to have a negative return of 1 in 7 years. I prefer to diversify my investments with an emphasis on more investments that have higher returns, but still having a small amount of low risk investments. I am happy to accept a negative return of 1 in 5 years. I would select investments that have a higher degree of investment price fluctuation so that I can earn higher long term returns. I am happy to accept a negative return of 1 in 3 years in order to achieve this goal.

Risk Profle Report

Personal Details

Name:

PAN:

DOB:

Age:

Gender:

Your Risk Profile:

What does it mean?

A person with a very high-risk profile is someone who is willing to take on a lot of risk in order to potentially achieve a greater reward. They are likely to invest in high risk, high reward investments such as stocks, venture capital, and other speculative markets. They may also be willing to partake in activities such as extreme sports and gambling, as they have a propensity for taking on a lot of risk. This person typically has a strong understanding of the markets and knows the risks associated with their decisions.

Your Risk Profile = Your Personal Traits + Your Risk Appetite + Your Risk Tolerance

Your Personality Trait	Your Risk Appetite	Your Risk Tolerance

Low to Moderate	Low to Moderate	Low to Moderate

Suggested Asset Allocation:

Asset Type	% Allocation
Real Estate & REITs
Govt. Schemes, FDs & Debt-Oriented Mutual Funds/ETFs
Equity & Equity-Oriented Mutual Funds/ETFs
AIFS (Other than Real Estate)
Gold & Gold Bonds/ETFs
Total	100.00%

INVESTMENT SUITABILITY CHART
TYPE	INVESTMENT INSTRUMENT	PRODUCT RISK

FIXED DEPOSITS	Bank - Fixed Deposits	Low

INSURANCE	Insurance (excl. Term Insurance)	Low

BANKING	Savings Deposits	Low
BANKING	Cash	Low

MUTUAL FUNDS	DEBT MUTUAL FUNDS
	Overnight	Low
	Fixed Maturity	Low
	HYBRID MUTUAL FUNDS
	Arbitrage	Low

OTHER INVESTMENTS	Small Savings	Low

GOVT. SCHEMES	National Pension Scheme	Low
	Sukanya Samriddhi Scheme	Low
	Public Provident Fund	Low
	Kisan Vikas Patra	Low
	National Saving Certificate	Low
	Senior Citizens Savings Scheme	Low

BONDS	Sovereign Bonds	Low

INVESTMENT SUITABILITY CHART
TYPE	INVESTMENT INSTRUMENT	PRODUCT RISK

FIXED DEPOSITS	Bank - Fixed Deposits	Low

INSURANCE	Insurance (excl. Term Insurance)	Low

BANKING	Savings Deposits	Low
BANKING	Cash	Low

MUTUAL FUNDS	DEBT MUTUAL FUNDS
	Ultra Short Duration	Low to Moderate
	Liquid	Low to Moderate
	Money Market	Low to Moderate
	Overnight	Low
	Floater	Low to Moderate
	Fixed Maturity	Low
	HYBRID MUTUAL FUNDS
	Arbitrage	Low

OTHER INVESTMENTS	Small Savings	Low

GOVT. SCHEMES	National Pension Scheme	Low
	Sukanya Samriddhi Scheme	Low
	Public Provident Fund	Low
	Kisan Vikas Patra	Low
	National Saving Certificate	Low
	Senior Citizens Savings Scheme	Low

BONDS	Sovereign Bonds	Low

INVESTMENT SUITABILITY CHART
TYPE	INVESTMENT INSTRUMENT	PRODUCT RISK

FIXED DEPOSITS	Bank - Fixed Deposits	Low

INSURANCE	Insurance (excl. Term Insurance)	Low

BANKING	Savings Deposits	Low
BANKING	Cash	Low

MUTUAL FUNDS	DEBT MUTUAL FUNDS
	Medium to Long Duration	Moderate
	Medium Duration	Moderate
	Short Duration	Moderate
	Low Duration	Moderate
	Ultra Short Duration	Low to Moderate
	Liquid	Low to Moderate
	Money Market	Low to Moderate
	Overnight	Low
	Dynamic Bond	Moderate
	Corporate Bond	Moderate
	Banking and PSU	Moderate
	Floater	Low to Moderate
	Fixed Maturity	Low
	Gilt	Moderate
	Gilt with 10 year Constant Duration	Moderate
	Target Maturity	Moderate
	HYBRID MUTUAL FUNDS
	Arbitrage	Low

OTHER INVESTMENTS	Small Savings	Low

GOVT. SCHEMES	National Pension Scheme	Low
	Sukanya Samriddhi Scheme	Low
	Public Provident Fund	Low
	Kisan Vikas Patra	Low
	National Saving Certificate	Low
	Senior Citizens Savings Scheme	Low

BONDS	Sovereign Bonds	Low

INVESTMENT SUITABILITY CHART
TYPE	INVESTMENT INSTRUMENT	PRODUCT RISK

FIXED DEPOSITS	Bank - Fixed Deposits	Low
FIXED DEPOSITS	Corporate - Fixed Deposits	Moderately High

DIRECT EQUITIES	Large-Cap Equities	Moderately High

INSURANCE	Insurance (excl. Term Insurance)	Low

BANKING	Savings Deposits	Low
BANKING	Cash	Low

MUTUAL FUNDS	DEBT MUTUAL FUNDS
	Long Duration	Moderately High
	Medium to Long Duration	Moderate
	Medium Duration	Moderate
	Short Duration	Moderate
	Low Duration	Moderate
	Ultra Short Duration	Low to Moderate
	Liquid	Low to Moderate
	Money Market	Low to Moderate
	Overnight	Low
	Dynamic Bond	Moderate
	Corporate Bond	Moderate
	Credit Risk	Moderately High
	Banking and PSU	Moderate
	Floater	Low to Moderate
	Fixed Maturity	Low
	Gilt	Moderate
	Gilt with 10 year Constant Duration	Moderate
	Target Maturity	Moderate
	HYBRID MUTUAL FUNDS
	Conservative Hybrid	Moderately High
	Equity Savings	Moderately High
	Arbitrage	Low

OTHER INVESTMENTS	Small Savings	Low

GOVT. SCHEMES	National Pension Scheme	Low
	Sukanya Samriddhi Scheme	Low
	Public Provident Fund	Low
	Kisan Vikas Patra	Low
	National Saving Certificate	Low
	Senior Citizens Savings Scheme	Low

BONDS	Sovereign Bonds	Low

INVESTMENT SUITABILITY CHART
TYPE	INVESTMENT INSTRUMENT	PRODUCT RISK

FIXED DEPOSITS	Bank - Fixed Deposits	Low
FIXED DEPOSITS	Corporate - Fixed Deposits	Moderately High

DIRECT EQUITIES	Large-Cap Equities	Moderately High

INSURANCE	Insurance (excl. Term Insurance)	Low

BANKING	Savings Deposits	Low
BANKING	Cash	Low

MUTUAL FUNDS	DEBT MUTUAL FUNDS
	Long Duration	Moderately High
	Medium to Long Duration	Moderate
	Medium Duration	Moderate
	Short Duration	Moderate
	Low Duration	Moderate
	Ultra Short Duration	Low to Moderate
	Liquid	Low to Moderate
	Money Market	Low to Moderate
	Overnight	Low
	Dynamic Bond	Moderate
	Corporate Bond	Moderate
	Credit Risk	Moderately High
	Banking and PSU	Moderate
	Floater	Low to Moderate
	Fixed Maturity	Low
	Gilt	Moderate
	Gilt with 10 year Constant Duration	Moderate
	Target Maturity	Moderate
	HYBRID MUTUAL FUNDS
	Balanced Hybrid	High
	Conservative Hybrid	Moderately High
	Equity Savings	Moderately High
	Arbitrage	Low
	Multi Asset Allocation	High
	COMMODITIES MUTUAL FUNDS
	Gold	High

OTHER INVESTMENTS	Small Savings	Low

GOVT. SCHEMES	National Pension Scheme	Low
	Sukanya Samriddhi Scheme	Low
	Public Provident Fund	Low
	Kisan Vikas Patra	Low
	National Saving Certificate	Low
	Senior Citizens Savings Scheme	Low

BONDS	Corporate Bonds	High
BONDS	Sovereign Bonds	Low

INVESTMENT SUITABILITY CHART
TYPE	INVESTMENT INSTRUMENT	PRODUCT RISK

FIXED DEPOSITS	Bank - Fixed Deposits	Low
FIXED DEPOSITS	Corporate - Fixed Deposits	Moderately High

DIRECT EQUITIES	Large-Cap Equities	Moderately High
	Mid-Cap Equities	Very High
	Small-Cap Equities	Very High

INSURANCE	Insurance (excl. Term Insurance)	Low

BANKING	Savings Deposits	Low
BANKING	Cash	Low

MUTUAL FUNDS	EQUITY MUTUAL FUNDS
	Large Cap	Very High
	Large & MidCap	Very High
	Flexi Cap	Very High
	Multi Cap	Very High
	Mid Cap	Very High
	Small Cap	Very High
	Value Oriented	Very High
	ELSS	Very High
	Sectoral-Banking	Very High
	Sectoral-Infrastructure	Very High
	Sectoral-Pharma	Very High
	Sectoral-Technology	Very High
	Thematic	Very High
	Thematic-Consumption	Very High
	Thematic-Dividend Yield	Very High
	Thematic-Energy	Very High
	Thematic-ESG	Very High
	Thematic-MNC	Very High
	Thematic-PSU	Very High
	International	Very High
	DEBT MUTUAL FUNDS
	Long Duration	Moderately High
	Medium to Long Duration	Moderate
	Medium Duration	Moderate
	Short Duration	Moderate
	Low Duration	Moderate
	Ultra Short Duration	Low to Moderate
	Liquid	Low to Moderate
	Money Market	Low to Moderate
	Overnight	Low
	Dynamic Bond	Moderate
	Corporate Bond	Moderate
	Credit Risk	Moderately High
	Banking and PSU	Moderate
	Floater	Low to Moderate
	Fixed Maturity	Low
	Gilt	Moderate
	Gilt with 10 year Constant Duration	Moderate
	Target Maturity	Moderate
	HYBRID MUTUAL FUNDS
	Aggressive Hybrid	Very High
	Balanced Hybrid	High
	Conservative Hybrid	Moderately High
	Equity Savings	Moderately High
	Arbitrage	Low
	Dynamic Asset Allocation	Very High
	Multi Asset Allocation	High
	COMMODITIES MUTUAL FUNDS
	Gold	High
	Silver	Very High

OTHER INVESTMENTS	Unlisted Equities	Very High
	Small Savings	Low
	Real Estate/REITS	Very High
	AIF/PMS	Very High
	International Assets	Very High

GOVT. SCHEMES	National Pension Scheme	Low
	Sukanya Samriddhi Scheme	Low
	Public Provident Fund	Low
	Kisan Vikas Patra	Low
	National Saving Certificate	Low
	Senior Citizens Savings Scheme	Low

BONDS	Corporate Bonds	High
BONDS	Sovereign Bonds	Low

Disclaimers:

Risk Profile being a very subjective matter, depending on many personal factors, cannot be examined thoroughly at any point in time. This report is only an attempt to help you discover & understand your risk abilities & shall not be in any manner be construed as an investment suitability advice or any other investment related advice.
This report is provided only for general understanding of your risk profile
The risk profile report generated by the website “www.whitewolffinance.in” is intended to provide general guidance and is not intended to replace professional advice.
The information contained in the report is based on the inputs provided by the user.
The accuracy or completeness of the information contained in the report cannot be guaranteed and should not be relied upon as such.
We disclaim any and all liability for any losses or damages which may be incurred as a result of reliance upon the information contained in the report.