Investor Acumen Analyzer

One of the key things to understand where you stand with your finances is to understand the current cashflows, but the one most important thing when it comes to understanding the future trends of finances is your Acumen with investments. For this, we at HappyWise bring you our tool called the Investor Acumen Analyzer.

Give yourself for the next 15 minutes, total space on mind and get answering this test.

Once through you will be asked for the PassKey that one of our HappyWise professionals must have shared with you. Once you are through, stay relaxed as we study your answers and get back to you with complete report on what your test results mean and how they can impact the future of your finances & investment decision making.

Here's how this tool works:

After you have made an investment, how do you usually feel?

Very worried Somewhat worried Somewhat satisfied Very satisfied

How familiar are you with the share markets and stocks?

Very little understanding or interest. Have enough experience to understand the importance of diversification. Know that markets fluctuate & different assets have different risk-return profile Understand all investment sectors & know various factors influencing performance.

Experts tell you that investments are subject to risk and you have to be prepared for losses as well as gains. What is the level of loss in your investment that you are willing to accept?

I would hate to see any kind of loss in my investments I will be willing to take up to a 20% loss I can perhaps bear a loss of up to 40% I am willing to take any kind of loss

What's Your Age Bracket?

More than 60 45 to 60 35 to 45 Less than 35

If you were investing in a shares, which of the following would suit you best?

I am not interested in shares A blue chip portfolio which pays regular dividends A mixture of large cap & mid cap shares A portfolio of shares whose value could rise or fall dramatically

What's your typical Investment Time Horizon?

Less than 1 Year 1 to 3 Years 3 to 7 Years More than 7 years

What's your Investment Experience in Capital Markets / Stocks / Equity Mutual Funds?

Less than 1 Year 1 to 3 Years 3 to 7 Years More than 7 years

Interest rates can go up or down. If you had to take a loan and had the choice between a fixed rate and a variable one, which one would you prefer?

I will always choose a fixed rate I will choose a combination of 70% fixed and 30% variable I will choose a combination of 30% fixed and 70% variable I will choose 100% variable

If you had to make an investment decision without consulting or discussing it with anybody, how would you feel?

Very unsure Not very confident Some what confident Very confident

Equity assets can counter the eroding effect of inflation but is risky in short-term.

I don't know what inflation is Inflation may erode my savings but I have no tolerance for loss. I am conscious of the risks inflation presents, but would prefer a middle ground. I am comfortable with this trade off to beat inflation.

If the performance of an investment you have recently made is below your expectations or in negative, how would you feel?

Very upset Somewhat upset, but hope that it will improve in the future Uneasy but willing to take it in my stride Not upset because I know that all investments carry risk

If you had to choose between being a salaried employee and running your own business, which one would you prefer?

Being a salaried employee Doing a salaried job and may be run a part-time business Running a partnership business Running my own business

What's your current type of Occupation?

Retired Salaried Professional Business

What do you normally associate the word 'Risk' with?

Danger Uncertainty Opportunity Thrill

If you had the choice between a fixed salary and a partly variable one, depending on your performance and the profits of your company, which one would you prefer?

I would prefer a fixed salary, even if it is small I would prefer most of my salary to be fixed, with only a small variable part I would prefer half my salary to be fixed and the other half to be variable I would prefer most of my earnings to be performance-linked

If you looked at the portfolio of the investments that you have already made, how would you characterize them?

Only assured return investments Limited investment in risky products Divided between risky and safe products Mostly risky investments

Which of the risk/return scenarios would you be most comfortable with?

Low risk/return (maximum return 6% pa, minimum return 0% pa) Moderate risk/return (maximum return 9% pa, minimum return -5% pa) Above average risk/return (maximum return 12% pa, minimum return -10% pa) High risk/return (maximum return 15% pa, minimum return -20% pa)

What's your current Income Level?

Less than 6 lakhs p.a. 6 to 12 lakhs p.a. 12 to 24 lakhs p.a. More than 24 lakhs p.a.

When you invest your money in any instrument, what thought comes to your mind first?

I should not lose my money This should not turn out to be a bad investment This should turn out to be a good investment I know this is a good decision

Your reaction if your investment dropped from Rs 1,00,000 to Rs 70,000?

Move the entire investment to cash Move some of the investment to cash Give it some more time Invest more in that investment

Investor Acumen Analyzer

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