Risk Assessment Tools

Under 30
30-40
41-50
51-60
60 or over

postpone your purchase.
buy a new car but do not buy the expensive car you have saved for.
go ahead with your purchase plan and buy the expensive new car.
buy the car and go on a one week vacation to celebrate the new purchase.

under Rs100,000.
between Rs100,000 and Rs200,000.
between Rs200,000 and Rs400,000.
over Rs400,000.

only yourself.
1 other person in your household besides yourself
between 2 and 3 other persons besides youself
between 4 and 5 other persons besides youself
more than 5 other persons besides yourself

Is not dependable.
Is secure.
doesn't matter because you expect a large inheritance/have enough wealth already.
doesn't matter because you expect to change your career path soon.

excited.
satisfied.
doubtful.
sorry.

A 3-year job guarantee.
An upfront bonus of Rs1,00,000.
A 10% pay increase on your salary of Rs4,00,000.
employee stock options with a current value of Rs1,00,000 & prospects for further appreciation.

I don't believe in saving.
I'd like to save, but my expenses and other financial commitments do not permit me to.
I try to save whenever and wherever possible.
I save 15 percent or more of my take-home salary without exception.

average your cost by investing another Rs1,00,000 at a lower price.
do not bother because you had done enough research on the company.
book your loss and invest in fixed deposits or bonds.
hold on till the share comes back to your cost price and sell it.

I don't understand investment terminology at all.
I am a proficient investor who's able to explain concepts such as EVA, beta and hedging.
I know how to identify and invest in mutual funds and secondary market debentures.
I understand investment principles and trade shares in the secondary market.
I am not very familiar with investment options and financial planning.

reckless
willing to take evaluated risks.
careful.
low risk taking capability.
extremely averse to risk.

	I read most of the business and investment magazines and watch business updates on television daily.
	I read a financial newspaper daily and regularly read at least one specialized business magazine.
	I read the finance section of the daily newspaper everyday.
	I often look up the market prices of my shares in the newspaper.
	I never read the finance section of the newspaper.

	less than 3 years.
	3 to 6 years.
	6 to 10 years.
	more than 10 years.

	take a random decision.
	lose sleep over the issue
	seek friendly advice.
	take an educated guess.
	analyse the various options.

	I think it has happened because it was my destiny.
	I blame myself.
	I take it as a personal failure.
	I view it as a hurdle that one needs to cross.
	I almost never suffer losses, because I stick to investments that do not depreciate in principal value.

	enrol for the scheme as early as possible.
	enrol for it only if you had been looking for alternate opportunities and could take one of them.
	do not take up the VRS, but start looking for other work as the company's future does not seem bright.
	do not take the VRS because you intend to spend the rest of your working life in this company.

	sell.
	average your cost by buying more.
	wait and watch.
	see your cash flow at the end of the year and buy more if the prices of these shares are still low.

	nothing.
	less than six months' take home pay.
	between 6-15 months' take home pay.
	between 15-36 months' take home pay.
	more than 36 months' take home pay.

	I stay with my parents/ spouse.
	I live in company accomodation.
	I live in an apartment that I have rented.
	I own a house but am saving to buy a better house.
	I own as good a house that I would ever want to.

	Just about manage to make ends meet; no monthly savings.
	My PF and other employment benefits are my only source of savings.
	I put aside atleast 10% of my take-home salary every month in savings.
	I save more than 30% of my take-home salary every month.
	My income from my wealth more than adequately provides for my cost of living.