ASSIGNMENT 1 FP&A
NAME : K SRINIVASA MURTHY
AGE: 48
Question Question
number
1 My present age is:
a Under 31
b 31 to 40
c 41 to 50
d 51 to 60
e 60 and above
2 The current value of my savings/capital (including Investment in
property, shares, Mutual Funds, provident funds, Gold, Bank
Deposits etc.) is equal to:
a Less than half of my current (or last earned) annual income
b Half of my annual income (salary, pension, interest, etc.)
c Double my current (or last earned) annual income
d Three times my current (or last earned) annual income
e Five times my annual income
3 Within the next few years I expect my income to:
a Decline in real terms
b Stay about the same (gains equal to inflation)
c Increase gradually (slightly faster than inflation)
d Increase dramatically (much faster than inflation)
e Fluctuate and be unpredictable*
4 Regarding dependants (minor or adult) and other major costs
that I need to incur before retirement:
a I will be able to meet all expenses for dependants (including
education) and other costs out of my income
b I will have to withdraw a small portion of my savings to pay for
dependants and other costs
c I will have to withdraw more than half of my savings to pay for
dependants and other costs
d I expect that paying for dependants and other costs will leave
me with very little savings when I retire
5 Based on my lifestyle and medical history, I expect my risk of
serious health problems over the next 10 years to be:
a Above average
b Average
c Low
d Almost nil
6 My investment experience is best described as follows:
a I've never invested in equities, either directly or through mutual
funds and do not understand these things
b I've invested a small amount of money in equities or mutual
funds and/or I know what these things are
c I've invested a fair amount of money in equities or equity
mutual funds and/or have a good understanding of equities
d I've invested/been investing in gold, futures and options and
international shares and/or am very knowledgeable about
investment
e I have a company retirement plan and/or other investments,
but I'm not sure where I'm invested and/or I don't fully
understand the different asset classes.
7 I plan to start withdrawing money from my savings in:
a Less than 5 years
b Five to ten years
c Eleven to fifteen years
d More than fifteen years
e I am already using my savings
8 How do you/would you react to fluctuations in the market?
a I am (or would be) very concerned if my investments lose value
and am (or would be) inclined to sell immediately
b If an investment loses 5 percent per cent over a quarter, I am
(or would be) likely to sell and invest elsewhere
c I wait (or would wait) until I have watched the performance of
an investment for at least a year or two before making changes
d Even if poor market conditions result in significant losses over
several years, I will try and stick to a consistent long-term
investment plan
9 You invest INR 1,00,000 for ten years. Given the best and worst
case scenarios below, which investment option would you
choose?
a Best case outcome: INR 500, 000, Worst case outcome: INR
50,000
b Best case outcome: INR 850, 000, Worst case outcome: INR 20,
000
c Best case outcome: INR 300, 000, Worst case outcome: INR 65,
000
d Best case outcome: INR 150, 000, Worst case outcome: INR
100, 000
10 When buying health insurance I choose:
a The lowest excess to ensure maximum cover even though my
policy costs more
b A moderate level of excess in order to reduce the premium
c A high excess in order to pay a low premium even though losses
may not be covered
d To carry no health insurance
TOTAL POINTS: 45
RISK TOLERANCE:moderately conservative
NAME: M NAGAMANI
AGE: 65
Question Question
number
1 My present age is:
a Under 31
b 31 to 40
c 41 to 50
d 51 to 60
e 60 and above
2 The current value of my savings/capital (including Investment in
property, shares, Mutual Funds, provident funds, Gold, Bank
Deposits etc.) is equal to:
a Less than half of my current (or last earned) annual income
b Half of my annual income (salary, pension, interest, etc.)
c Double my current (or last earned) annual income
d Three times my current (or last earned) annual income
e Five times my annual income
3 Within the next few years I expect my income to:
a Decline in real terms
b Stay about the same (gains equal to inflation)
c Increase gradually (slightly faster than inflation)
d Increase dramatically (much faster than inflation)
e Fluctuate and be unpredictable*
4 Regarding dependants (minor or adult) and other major costs
that I need to incur before retirement:
a I will be able to meet all expenses for dependants (including
education) and other costs out of my income
b I will have to withdraw a small portion of my savings to pay for
dependants and other costs
c I will have to withdraw more than half of my savings to pay for
dependants and other costs
d I expect that paying for dependants and other costs will leave
me with very little savings when I retire
5 Based on my lifestyle and medical history, I expect my risk of
serious health problems over the next 10 years to be:
a Above average
b Average
c Low
d Almost nil
6 My investment experience is best described as follows:
a I've never invested in equities, either directly or through mutual
funds and do not understand these things
b I've invested a small amount of money in equities or mutual
funds and/or I know what these things are
c I've invested a fair amount of money in equities or equity
mutual funds and/or have a good understanding of equities
d I've invested/been investing in gold, futures and options and
international shares and/or am very knowledgeable about
investment
e I have a company retirement plan and/or other investments,
but I'm not sure where I'm invested and/or I don't fully
understand the different asset classes.
7 I plan to start withdrawing money from my savings in:
a Less than 5 years
b Five to ten years
c Eleven to fifteen years
d More than fifteen years
e I am already using my savings
8 How do you/would you react to fluctuations in the market?
a I am (or would be) very concerned if my investments lose value
and am (or would be) inclined to sell immediately
b If an investment loses 5 percent per cent over a quarter, I am
(or would be) likely to sell and invest elsewhere
c I wait (or would wait) until I have watched the performance of
an investment for at least a year or two before making changes
d Even if poor market conditions result in significant losses over
several years, I will try and stick to a consistent long-term
investment plan
9 You invest INR 1,00,000 for ten years. Given the best and worst
case scenarios below, which investment option would you
choose?
a Best case outcome: INR 500, 000, Worst case outcome: INR
50,000
b Best case outcome: INR 850, 000, Worst case outcome: INR 20,
000
c Best case outcome: INR 300, 000, Worst case outcome: INR 65,
000
d Best case outcome: INR 150, 000, Worst case outcome: INR
100, 000
10 When buying health insurance I choose:
a The lowest excess to ensure maximum cover even though my
policy costs more
b A moderate level of excess in order to reduce the premium
c A high excess in order to pay a low premium even though losses
may not be covered
d To carry no health insurance
TOTAL POINTS: 17
RISK TOLERANCE:conservative investor
NAME: R. NIKITHA REDDY
AGE:25
Question Question
number
1 My present age is:
a Under 31
b 31 to 40
c 41 to 50
d 51 to 60
e 60 and above
2 The current value of my savings/capital (including Investment in
property, shares, Mutual Funds, provident funds, Gold, Bank
Deposits etc.) is equal to:
a Less than half of my current (or last earned) annual income
b Half of my annual income (salary, pension, interest, etc.)
c Double my current (or last earned) annual income
d Three times my current (or last earned) annual income
e Five times my annual income
3 Within the next few years I expect my income to:
a Decline in real terms
b Stay about the same (gains equal to inflation)
c Increase gradually (slightly faster than inflation)
d Increase dramatically (much faster than inflation)
e Fluctuate and be unpredictable*
4 Regarding dependants (minor or adult) and other major costs
that I need to incur before retirement:
a I will be able to meet all expenses for dependants (including
education) and other costs out of my income
b I will have to withdraw a small portion of my savings to pay for
dependants and other costs
c I will have to withdraw more than half of my savings to pay for
dependants and other costs
d I expect that paying for dependants and other costs will leave
me with very little savings when I retire
5 Based on my lifestyle and medical history, I expect my risk of
serious health problems over the next 10 years to be:
a Above average
b Average
c Low
d Almost nil
6 My investment experience is best described as follows:
a I've never invested in equities, either directly or through mutual
funds and do not understand these things
b I've invested a small amount of money in equities or mutual
funds and/or I know what these things are
c I've invested a fair amount of money in equities or equity
mutual funds and/or have a good understanding of equities
d I've invested/been investing in gold, futures and options and
international shares and/or am very knowledgeable about
investment
e I have a company retirement plan and/or other investments,
but I'm not sure where I'm invested and/or I don't fully
understand the different asset classes.
7 I plan to start withdrawing money from my savings in:
a Less than 5 years
b Five to ten years
c Eleven to fifteen years
d More than fifteen years
e I am already using my savings
8 How do you/would you react to fluctuations in the market?
a I am (or would be) very concerned if my investments lose value
and am (or would be) inclined to sell immediately
b If an investment loses 5 percent per cent over a quarter, I am
(or would be) likely to sell and invest elsewhere
c I wait (or would wait) until I have watched the performance of
an investment for at least a year or two before making changes
d Even if poor market conditions result in significant losses over
several years, I will try and stick to a consistent long-term
investment plan
9 You invest INR 1,00,000 for ten years. Given the best and worst
case scenarios below, which investment option would you
choose?
a Best case outcome: INR 500, 000, Worst case outcome: INR
50,000
b Best case outcome: INR 850, 000, Worst case outcome: INR 20,
000
c Best case outcome: INR 300, 000, Worst case outcome: INR 65,
000
d Best case outcome: INR 150, 000, Worst case outcome: INR
100, 000
10 When buying health insurance I choose:
a The lowest excess to ensure maximum cover even though my
policy costs more
b A moderate level of excess in order to reduce the premium
c A high excess in order to pay a low premium even though losses
may not be covered
d To carry no health insurance
TOTAL POINTS:56
RISK TOLERANCE:moderate investor
