Risk Tolerance Self-Assessment

Everyone has their own investment comfort zone and the challenge is to strike a balance among the various investments that will satisfy your personal circumstances. To help you find out more about your investment style, we have created this straightforward risk tolerance self-assessment test. By considering your personal circumstances, financial status, attitude towards investment, and certain objective factors which reflect your tolerance to risk, you may discover more about your investment needs.

Please select the most appropriate answer to each question.

Personal Details

1. Age and Marital Status

Age	Single	Married
Age	Single	Only I am working	Both my spouse and I are working
25 or below	Age 25 or below, single		Age 25 or below, married, both working
26 - 35	Age 26 - 35, single	Age 26 - 35, married, only i am working	Age 26 - 35, married, both working
36 - 45	Age 36 - 45, single	Age 36 - 45, married, only i am working	Age 36 - 45, married, both working
46 - 55	Age 46 - 55 single	Age 46 - 55 married, only i am working	Age 46 - 55 married, both working
56 or above	Age 56 or above, single		Age 56 or above, married, both working

2. Number of dependents (including spouse, parents, brothers and sisters, children)

Age	Number of dependents
Age	0	1 - 2	3 - 4	5 or above
25 or below	Age 25 or below, 0 dependents	Age 25 or below, 1 - 2 dependents	Age 25 or below, 3 - 4 dependents	Age 25 or below, 5 or above dependents
26 - 35	Age 26 - 35, 0 dependents	Age 26 - 35, 1 - 2 dependents	Age 26 - 35, 3 - 4 dependents	Age 26 - 35, 5 or above dependents
36 - 45	Age 36 - 45, 0 dependents	Age 36 - 45, 1 - 2 dependents	Age 36 - 45, 3 - 4 dependents	Age 36 - 45, 5 or above dependents
46 - 55	Age 46 - 55, 0 dependents	Age 46 - 55, 1 - 2 dependents	Age 46 - 55, 3 - 4 dependents	Age 46 - 55, 5 or above dependents
56 or above	Age 56 or above, 0 dependents	Age 56 or above, 1 - 2 dependents	Age 56 or above, 3 - 4 dependents	Age 56 or above, 5 or above dependents

3. Education and Professional Background

Education level	Professional qualifications
Education level	No	Yes
Master or above
Bachelor
Secondary School or Matriculation
Primary School or below

4. Accommodation

% of mortgage payment in monthly income	Remaining years of outstanding mortgage
Lease	Lease
Self-owned
% of mortgage payment in monthly income	Below 6 years	6 - 10	11 - 15	16 - 20	Above 20
25% or below
26 - 40%
41 - 60%
Above 60%

Financial Condition

5. Assets owned (including cash, deposits, stocks, properties and other investments)

a. HK$500,000 or below
b. HK$500,001 - HK$1,000,000
c. HK$1,000,001 - HK$2,500,000
d. HK$2,500,001 - HK$5,000,000
e. Above HK$5,000,000

6. Monthly Income and Expenses

Monthly average fixed income	Monthly fixed expenses as a percentage of income
Monthly average fixed income	Below 41%	41 - 60%	61 - 80%	81 - 100%	Above 100%
HK$25,000 or below
HK$25,001 - HK$50,000
HK$50,001 - HK$75,000
HK$75,001 - HK$100,000
Above HK$100,000

Investment Needs and Knowledge

Important: This form is not intended for giving any urgent submission of information (e.g. reporting of fraud or suspicious transactions). Should you have any enquiries, please contact BEA (MPF) Hotline at 2211 1777 (operated by Bank of East Asia (Trustees) Limited).
Service Hours:

Monday to Friday	9:00 am to 6:00 pm
Saturday	9:00 am to 1:00 pm

(Except Public Holidays)

a. Far better than present standard
b. Better than present standard
c. Comparable to present standard
d. Can accept standard worse than present

a. Bank fixed deposit
b. 80% chance of a return of HK$1.1 million and 20% chance of a return of HK0.9 million
c. 50% chance of a return of HK$1.2 million and 50% chance of a return of HK0.8 million
d. 50% chance of a return of HK$1.5 million and 50% chance of a return of HK0.5 million
e. 50% chance of a return of HK$2.0 million and 50% chance of losing the principle

a. Within 1 year
b. 1 - 3 years
c. 4 - 6 years
d. 7 - 10 years
e. Above 10 years

a. Money market investments (e.g. commercial papers, exchange fund bills)
b. Stocks
c. Bonds
d. Foreign exchange margin trading and derivatives (e.g. warrants, futures, options)
e. Unit trust funds