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Know Your Rishi Profile

Investment Horizon: How many years will you allow your investments to grow before you will need to start significant withdrawals?

1-2 years

3-5 years

6-10 years

More than 10 years

Already Retired

Retirement: When are you going to retire?

1-5 years to retire

Important such as paying off your car early?

10-15 years to retire

More than 15 years to retire

Cash Flow: What is your planned cash flow into and out of your investment portfolio over the next 3-5 years?

Withdraw money regularly

Do nothing

Add new money at few times

Add sizable new money regularly

Near Future Events: Beyond your normal contributions & withdrawals, are there any special circumstances /events that might need major withdrawals from your portfolio over the next 3-5 years?

My entire investments may be required

Significant withdrawal /liquidation expected

No withdrawals foreseen

Attitude Towards Risk & Return: Please select the ideal volatility and return combination (represented in %age on an Average Basis) that you are most comfortable with for investments over a period of time.

Returns of 8% annually, with the possibility of a loss of 3-4% in any year

Returns of 8-10% annually, with the possibility of a loss of 5-7% in any year

Returns of 10-12% annually, with the possibility of a loss of 8-10% in any year

Returns of 12-15% annually, with the possibility of a loss of 15-20% in any year

Attitude Towards Losses: You have found that in your portfolio (consisting only mutual fund schemes) there is a fall in valuation by 25%. Your distributor/adviser tells you to transfer from a non performing scheme to a better one. What would you do now?

Instead of making the transfer, I will sell all units of MF schemes from my Portfolio

I will make no transfer/ fresh purchase but Partially Redeem some units of MF schemes

Hold onto my units in MF schemes

Buy more units of MF schemes

Attitude Towards Market Sentiments: You lost 25% in a mutual fund scheme but the market bounces back and you receive back your value? However, the sentiment in the market is weak and fresh investments are less with most of the people redeeming their portfolio. Your distributor/adviser says that the market valuations are attractive? What would you do?

Wait & watch for market sentiments to come up

Sell some units of MF schemes

Follow the general market sentiment & sell all units of MF scheme

Buy more units of MF schemes

Awareness & Maturity: How much do you 'believe' or have 'conviction' in the below statements? (A) In portfolio management, asset allocation and its' rebalancing shall largely determine returns (B) One should avoid emotions of fear, greed & hope while managing portfolio and take decisions as per proper strategy (C) Equities are instruments for long-term wealth creation but one should be patient enough to see losses in short-term

I have full belief and conviction in all of the above statements

I do have some belief and conviction in most of the above statements

My personal belief / conviction is not consistent with the above statements

Attitude Towards Investments: How do you feel you would react to movements in your portfolio value?

I believe long-term investments do not require frequent monitoring. Short-term market falls are a great opportunity to rebalance portfolio and I would try invest more money in bad market scenarios.

I feel that investments should be given some to time to perform and normal up-and-downs do not matter much in my long term portfolio. However, I do not want my portfolio to give negative returns beyond 20% at any given point or be negative beyond a year.

I try not to over-react to daily market changes even though sometimes I do feel worried. If my portfolio takes fall beyond 10%, I would try sell and invest in more safer options.

I become very concerned any time my portfolio loses value. I do not wish to have any losses and hence I check my portfolio almost every day.

Asset Class Selection: How would you select the Asset Class for Investment?

Based on what most Indian investors like to do, invest in products offering fixed returns

Based on what your friends and relatives do

Based on Market sentiments

Based on Past Performance