Investor Risk Profile - Report: (Applicable For Unit Linked Insurance Plans)

Investor Risk Profile – Report
(Applicable for Unit Linked Insurance Plans)
The objective of this exercise is to help you assess your risk appetite in order that we may suggest appropriate fund types for
Customer Name MITESHKUMAR PATEL Product Suggested Max Life Fast Track Super Plan
Proposal# 605654243 Risk profile Balanced
1. As an investor, how do describe your willingness to take financial risk?
a I am comfortable taking on a higher level of risk, knowing it may mean higher returns
b I am willing to take calculated risks, knowing it may mean high returns
c I am happy with a moderate level of risk
d I am fairly conservative, but can take on a small level of risk
e I am a conservative investor and am completely risk-averse
2. Which of the following mix of investments do you find most appealing for your portfolio?
High risk – high return Low risk – low return

a Portfolio 1 100% 0%
b Portfolio 2 75% 25%
c Portfolio 3 50% 50%
d Portfolio 4 25% 75%
e Portfolio 5 0% 100%
3. Investments can go up and down in value. By how much could the total value of your investments go down before you begin to feel uncomfortable?
(Investments include stocks, mutual funds, property etc.)
a 35% or more
b 30%
c 20%
d 10%
e Any fall would make me uncomfortable
4. How best would you describe your saving habits over the years?
a I am able to save substantial amounts regularly, after covering living expenses

b I am able to save some amount regularly, after covering living expenses
c I am only able to save some amount on an ad-hoc basis, after covering living expenses
d I am hardly able to save and am only able to cover my living expenses
e I am not able to save at all
Scoring key for first 3 questions:
For every a) response add 5 to your score

For every b) response add 4 to your score
For every c) response add 3 to your score
For every d) response add 2 to your score
For every e) response add 1 to your score
3 6 7 10 11 12 15
Conservative Balanced Aggressive
Risk Score 8
If your response to question 4 is not a or b, we recommend you review your decision to go for Unit Linked Savings insurance plan.
m-App/IRP/Ver 1.1/Mar’15
1
Date: 26/03/2018
Time: 7.05.29 PM
Funds and their Chosen
Suitable for customer profile Funds Chosen
equity exposure Allocation%
Growth Super
Growth Super Aggressive Profile customers Systematic Transfer Plan
(70% to 100% equity) Dynamic Fund Allocation
Aggressive Profile customers
Growth Fund Growth Fund 100%
(20% to 70% equity) Balanced Profile customers
Balanced Profile customers Balanced

Balanced
(10% to 40% equity) Conservative Profile customers Pension Maximizer
Balanced Profile customers Conservative
Conservative
(0% to 15% equity) Conservative Profile customers Pension Preserver
Balanced Profile customers Secure
Secure
(0% equity) Conservative Profile customers Pension Preserver
Premium / Investment Allocation
In case you choose to buy Max Life Insurance Unit Linked solution, you can allocate your premium among the 5 fund options mentioned above.
However, we would like to inform you that these are primarily suggestive in nature basis your responses. There is no compulsion; you may
choose to allocate your premium purely as per your own wish. We would like to inform you that the investment risk in this product lies with you
and your allocation may or may not match your risk tolerance levels and / or your investment objectives / time horizon.
Dynamic Fund Allocation

• Standardized & Systematic approach of maintaining debt-equity ratio throughout the policy term
• Strikes right balance between risk & return with respect to age of policy holder
• Hassle free investment (Allocation, Switches, Redirection are taken care of automatically)
• Hedge against capital erosion in later years & is ideal for less savvy investors
• Available only with Shiksha Plus Super and Fast Track Super
Systematic Transfer Plan
Systematic Transfer Plan helps you replicate a rupee cost averaging method on your Annualized Premium. Where you have chosen the
“Systematic Transfer Plan” option, the Annualized/Single Premium received net of Premium Allocation Charge shall be allocated first to the
Secure Plus Fund to purchase Units. Immediately thereafter and on each subsequent monthly anniversary, Fund Value of [1/(13-month number in
the policy year)] of the Units available at the beginning of the month shall be Switched to Growth Super Fund automatically by cancelling Units in
the Secure Plus Fund till availability of Units in the Secure Plus Fund, and purchasing Units in the Growth Super Fund
Customer Declaration (If fund opted is diffrent from risk profile)
I have gone through the risk profiler and understood the risk associated with investments in the above funds.Basis my financial goals and needs.
I have made a conscious decision to allocate premium as given above.
m-App/IRP/Ver 1.1/Mar’15
2

Investor Risk Profile - Report: (Applicable For Unit Linked Insurance Plans)

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Investor Risk Profile - Report: (Applicable For Unit Linked Insurance Plans)

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Investor Risk Profile – Report

(Applicable for Unit Linked Insurance Plans)

1. As an investor, how do describe your willingness to take financial risk?

High risk – high return Low risk – low return

a I am able to save substantial amounts regularly, after covering living expenses

Scoring key for first 3 questions:

For every a) response add 5 to your score

Conservative Balanced Aggressive

Balanced Profile customers Balanced

Premium / Investment Allocation

Dynamic Fund Allocation

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