Risk Profile Analysis


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		Risk Profile Analysis

	Dear valued client, Before you embark on any investment programme, we encourage you to identify your risk profile, i.e. your tolerance for risk, to enable you to determine the most suitable investment plan to fulfil your financial needs. That is why we have designed the following questionnaire for you to do just that. You are encouraged to discuss with your consultant when assessing your risk profile. Please take some time to answer the questionnaire below. This information will enable us to serve you better.

1.	Your age:

		More than 60 years old
		51 - 60 years old
		41 - 50 years old
		31 - 40 years old
		Less than 31 years old

2.	Your future potential income:

		Probably decreases
		Not sure
		Remains unchanged
		Some increase - from savings / investment income
		Probably increases - from employment income, savings / investment income

3.	For how many months can you maintain your lifestyle without any income?

		Less than 3 months
		Less than 6 months
		Less than 1 year
		Between 1 - 3 years
		Over 3 years

4.	How much time do you have to attain your financial goal?

		Less than 1 year
		1 - 3 years
		3 - 5 years
		5 - 10 years
		More than 10 years

5.	Which one of the following statements best describes your feelings and attitude?

		I cannot accept any capital loss.
		If my investment loses 5%, I will redeem without a second thought.
		If the investment consistently pays out income I will continue to invest, even though the investment suffers a loss of 20% in a year.
		If my investment drops by 10% in value, I will stop investing and wait for it to appreciate.
		I am prepared to invest for long term and I will average down my cost by investing more money when the price drops.

6.	Which of the following securities best suit your needs?

		High-quality corporate bonds.
		Mixture of both corporate bonds and stocks that pay high dividend.
		Stocks that offer the potential for modest dividends and growth.
		Stocks that pay less dividend but offer long term growth.
		Aggressive stocks that pay no dividend but offer great potential for long term growth.

Given the distribution of yearly return of 5 different investments, which one matches your risk tolerance level?

8.	After allocating your financial assets, what will you do after substantial initial gain / loss?

		I would sell.
		Switch to safer investment vehicles.
		Price fluctuation is common, so I will wait for a moment before making any changes.
		It depends solely on the economic situation and market outlook.
		I will continue my long term investment plan and maintain my asset mix.

9.	Your past investment experiences:

		I have most of my money in Savings Account.
		I have Savings Account but mostly in Fixed Deposit.
		I have Savings Account, Fixed Deposit and Unit Trusts Fund. (Government / State / Private).
		I have Savings Account, Fixed Deposit, Unit Trusts Fund and Shares / Property investment.
		I have Savings Account, Fixed Deposit and Share / Property investment (leveraging).

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Note: We recommend that you read and understand the contents of the AmMutual Master Prospectus dated 10 September 2007, AmMutual Prospectus for AmGlobal Climate Change dated 19 October 2007, AmMutual Prospectus for AmPrecious Metals dated 12 November 2007, AmMutual Prospectus for AmGlobal Emerging Market Opportunities dated 10 March 2008, AmMutual Supplementary Prospectus for AmGlobal Emerging Market Opportunities dated 18 March 2008, AmMutual Prospectus for AmEmerging Markets Bond dated 7 July 2008, AmMutual Prospectus for AmCommodities Extra dated 4 August 2008, AmMutual Prospectus for Am-Namaa’ Asia-Pacific Equity Growth dated 11 August 2008 and AmMutual Prospectus for Namaa’ Asia-Pacific Equity Growth dated 15 August 2008 that have been registered with the Securities Commission, who takes no responsibility to its contents before investing. Copies of the Prospectus are available at our representative office. Units will be issued upon receipt of completed application form accompanying the Prospectus and subject to terms and conditions therein. Unit Prices and income distribution, if any, may rise or fall. Past performance of a fund is not an indication of future performance. Please consider fees and charges involved before investing. This is neither an offer nor solicitation to purchase units of the fund; AmInvestment Services Berhad does not guarantee any returns on the investment.

The information of this Internet website is not an offer or solicitation for the purchase of securities, units or investments, outside of Malaysia. While, AmMutual provides the information in good faith, it accepts no responsibility for the accuracy, completeness or timeliness of the information.

Some of the terms used in this website are similar to the definitions in the Prospectus.

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