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:

Equity assets can counter the erosive impact of inflation but may entail short-term risk. What is your perspective?

I lack knowledge about inflation Inflation might diminish my savings, yet I would like to avoid possibilities of losses that equity assets bring along I'm aware of inflation risks but would prefer a balanced approach I'm comfortable with this trade-off to combat inflation

If you assess your investment portfolio, how would you characterise it?

Solely comprised of guaranteed return investments Limited Or Low investment in risky products Divided between risky and safe products Mainly consists of high-risk investments

Which risk and return scenario aligns best with your comfort level?

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

How familiar are you with share markets and stocks as such?

Very little understanding or interest Sufficient experience to understand the significance of diversification Know that markets fluctuate and different assets carry different risk-return profiles Complete understanding of all investment sectors and factors influencing performance

After investing, what are your typical feelings like?

Very worried Quite worried Quite satisfied Very satisfied

If you had to make an investment decision without consulting anyone, how would you feel?

Very unsure Not very confident Moderately confident Very confident

What's your current type of Occupation?

Retired Salaried Professional Business

Given the fluctuating nature of interest rates on loans, which loan option would you prefer?

I will always prefer to choose a fixed rate of interest I will opt for a 70% fixed and 30% variable I will opt for a 30% fixed and 70% variable I prefer 100% variable rates of interest

If the performance of a recent investment falls below your expectations, or results in a loss, how would you react?

Extremely disappointed Moderately disappointed, but I would stay hopeful that it would improve in the future Uneasy but willing to take it in my stride Not bothered, because I acknowledge the inherent risks in investments

If given a choice between being a salaried employee & running your own business, which option would you choose?

Opt for salaried employment Prefer a salaried job alongside a part-time business Engage in a partnership business Manage my own business independently

If you were to consider investing in shares, which type of shares would you prefer investing in?

I am not interested in investing in shares I would prefer to invest in blue-chip stocks for regular dividends I would prefer to diversify with a mix of Large Cap and Mid Cap shares I would prefer investing in shares with significant potential for both Highs and Lows

How would you react if one of your investments decreased from Rs. 1,00,000 to Rs. 70,000?

Transfer the entire investment to cash Transfer a portion of the investment to cash Allow some more time for evaluation Increase my investment in that asset

What level of losses are you comfortable within your investments? [Since, investments are always subject to market risk]

I would hate to see any type/size of loss in my investments I am willing to accept a loss of upto 20% I might be able to tolerate a loss of upto 40% I am open to accepting any type/size of loss in my investments

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 investing, what initial thought(s) typically crosses your mind?

Worry: This shouldn't result in loss Concern: This mustn't result in a poor investment Hope: This should turn out to be a good investment Confidence: This is a good investment decision

Which would you choose - if given the option between a fixed salary and a partially variable one, based on your performance and company profits?

I would prioritize a fixed salary, regardless of size(small or big) I would prefer the majority of my salary to be fixed, with a minor variable portion I would opt for a 50-50 split between my fixed and variable salaries I would favour a significant portion of my earnings tied to performance

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

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 Age Bracket?

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

What is your typical association with the word 'Risk'?

Danger Uncertainty Opportunity Thrill

Investor Acumen Analyzer

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