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Choosing a Model Portfolio

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Question 1

Which of the following best describes your current stage of life?

Single with few financial burdens. Ready to accumulate wealth for future short term and long term goals.
A couple without children. Preparing for the future by establishing a home. Expecting to have or already have a high purchase rate of househlod and consumer items
Young family with a home. You have a mortgage and childcare costs and maintain only small cash balances.
Mature family. You are in your peak earning years and your mortgage is under control. You both work and you may or may not have children that are growing up or have left home. You’re ready to start thinking about your retirement years.
Preparing for retirement. You own your home and have few financial burdens; you want to ensure you can afford a comfortable retirement.
Retired. You rely on existing funds and investments to maintain your lifestyle in retirement. You may already be receiving a Government pension and/or Superannuation pension.
Question 2

How secure is your current and future income from sources such as salary, pensions or other investments?

Not secure
Somewhat secure
Fairly secure
Very secure
Question 3

What would you estimate your total annual income (before tax) to be from these sources?

Less than ₹3 Lac
Between ₹3 Lac and ₹10 Lac
Between ₹10 Lac and ₹20 Lac
Between ₹20 Lac and ₹30 Lac
Greater than ₹30 Lac
Question 4

What would you estimate your Net Worth to be, that is total assets excluding the family home less liabilities?

Less than ₹3 Lacs
Between ₹3 Lacs and ₹5 Lacs
Between ₹5 Lacs and ₹7.5 Lacs
Between ₹7.5 Lacs and ₹10 Lacs
Greater than ₹10 Lacs
Question 5

If you have borrowed before to invest how would you rate your experience?

It met my objectives for creating wealth
I was generally comfortable with this strategy
The potential for tax benefits was not worth the risk
I experienced an investment loss due to borrowing
N/A – I have never borrowed to invest before
Question 6

How familiar are you with investment matters?

Not familiar at all with investments and feel uncomfortable with the complexity
Not very familiar when it comes to investments
Somewhat familiar. I don’t fully understand investments, including the sharemarket
Fairly familiar. I understand the various factors which influence investment performance
Very familiar. I use research and other investment information to make investment decisions. I understand the various factors which influence investment performance
Question 7

What is the source of the funds you want to invest?

Personal injury or compensation payment
Change in family circumstances (divorce, widowed etc)
Inheritance or gift (including prize money
Superannuation and/or personal savings
Question 8

How long would you invest the majority of your money before you think you would need access to it?
(Assuming you already have plans in place to meet short term cashflow and/or emergencies)

In 2 years or less
Within 3 - 5 years
Within 6 - 10 years
Not for 10 + years
Question 9

In some instances, tax savings can be obtained from investments but this means taking on more risk. Which of the following statements best describes your goal for investing?

Preferably guaranteed returns, before tax savings
Stable, reliable returns, minimal tax savings
Some variability in returns, some tax savings
Moderate variability in returns, reasonable tax savings
Unstable but potentially higher returns, maximise tax savings
Question 10

When considering your investments and making investment decisions, do you think about the impact of possible losses or possible gains?

I am always concerned about possible losses
I am somewhat concerned about possible losses
I usually consider possible gains
I always consider possible gains
Question 11

Assume you had an initial investment portfolio worth ₹100,000. If, due to market conditions, your portfolio fell to ₹80,000 within a short period, say a month, would you:

Sell all of the investments? You do not intend to take risks
Sell a portion of your portfolio to cut your losses and reinvest into more secure investment assets?
Hold the investment and sell nothing, expecting performance to improve?
Invest more funds to lower your average investment price?
Question 12

If the value of your investments then fell to ₹60,000 over the next 12 months, would you:

Sell all of the remaining investment?
Sell a portion of the remaining investment?
Hold your investments and sell nothing, expecting conditions to improve?
Invest more funds. You can tolerate short term losses in expectation of future growth?
Question 13

The table below shows the highest one year gain and highest one year loss on five different hypothetical investments of ₹100,000. Given the potential gain or loss in any one year, where would you invest your money?

Investment Portfolio A
Investment Portfolio B
Investment Portfolio C
Investment Portfolio D
Investment Portfolio E
Investment Portfolio A B C D E
Highest Gain ₹11,000 ₹15,000 ₹20,000 ₹27,000 ₹31,000
Highest Loss - ₹2,000 - ₹4,000 - ₹8,000 - ₹12,000 - ₹15,000
Question 14

Which one of the following statements describes your feelings towards choosing an investment?

I would prefer investments with little or no fluctuation in value and have a low degree of risk associated with them. I am willing to accept the lower return associated with these investments
I prefer to diversify with a mix of investments that have an emphasis on low risk. I am happy to have a small proportion of the portfolio invested in assets that have a higher degree of risk in order to achieve a slightly higher return
I prefer to have a spread of investments in a balanced portfolio
I prefer to diversify my investments with an emphasis on more investments that have higher returns, but still having a small amount of low risk investments
I would select investments that have a higher degree of investment price fluctuation so that I can earn higher long term returns
Question 15

Would you consider borrowing money to make a future investment?
(indicate Yes or No)

Question 16

Do you feel you are appropriately covered against personal and/or business risks such as accident, illness, trauma or death?
(indicate Yes or No)


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Violet Portfolio Indigo Portfolio Blue Portfolio Green Portfolio Yottol Portfolio Orange Portfolio
Expected Annual Return 8% 10.5% 12% 14% 16% 18%
Risk or Standard Deviation 5% 9% 12% 15% 18% 18%
Potential value of Rs. 100 in 10 years ₹215 ₹270 ₹310 ₹370 ₹440 ₹525
Allocation Arbitrage (70%),Large Cap (10%),Flexi Cap (10%),Mid Cap (10%) Arbitrage (50%),Large Cap (30%),Mid Cap (10%),Small Cap (10%) Arbitrage (30%),Large Cap (40%),Mid Cap (20%),Small Cap (10%) Arbitrage (10%),Large Cap (50%),Mid Cap (20%),Small Cap (20%) Large Cap (40%),Flexi Cap (30%),Mid Cap (20%),Small Cap (10%) Large Cap (40%),Mid Cap (20%),Small Cap (10%),Global (30%)
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