风险承受测试

个人投资者风险承受能力测试问卷

Risk Tolerance Test For Individual Investors

客户姓名 Client Name                     联系电话 Phone No.                        

对于个人投资者风险承受能力的分析评价主要从两个方面来进行,一方面是风险承受能力客观条件测评,另一方面是风险承受能力主观态度测评。

Risk Tolerance Test for individual investors is performed in two aspects, assessment of objective conditions and subjective attitude assessments.

 

选择题问卷 Multiple Choices Questions:

1、您的年龄是 What is your age range:(  )

A.30 岁以下 Below 30 years old

B.30 岁(含)至40 岁 30 (included) to 40 years old

C.40 岁(含)至50 岁 40 (included) to 50 years old

D.50 岁(含)至60 岁 50 (included) to 60 years old

E.60 岁(含)以上 Above 60 years old

 

2、您的职业稳定性如何 How is your career stability:(  )

A.很稳定 Very stable

B.较稳定 No very stable

C.不稳定 Instable

D.极不稳定 Very instable

E.无业 No job

 

3、您所供养的人数 The number of your dependents:(  )

A.未婚 Unmarried

B.双薪无子女 Married but no child

C.1-2 人 1 to 2 people

D.3-4 人 3 to 4 people

E.4 人以上 Above 4 people

 

4、您目前的置产状况如何 How is your current real property status:(  )

A.投资不动产 Investment Property

B.自住不动产,无房贷 Property for own live, no mortgage

C.自住不动产,有房贷 Property for own live with mortgage

D.收入稳定,无不动产 Stable income without any property

E.收入不稳定 Unstable income

 

5、您投资于有风险的投资品的经验如何 How is your investment experience in risky products:(  )

A.8 年以上 Above 8 years

B.4 至8 年 4 to 8 years

C.1 至4 年 1 to 4 years

D.1 年以内 Within 1 year

E.无 None

 

6、您对投资所能容忍的亏损范围 The tolerance range of your lost:(  )

A.25%(含)以上 Above 25% (included)

B.15%(含)-25% 15% (included) to 25%

C.10%(含)-15% 10% (included) to 15%

D.0-10% 0 to 10%

E.不能容忍任何损失 No loss can be taken

 

7、您的投资目标是什么 What’s your investment objective:(  )

A.长期投资赚取高收益 Long-term investments to achieve high-yield

B.短期投资赚取价差 Short-term investments to earn the spread

C.保证每年有一定的现金收益 A guarantee of annual return

D.投资收益率只要能抵御通货膨胀就行 Investment yield enough to against inflation

E.只要投资能够保本保息,即使低于通胀率也行 Maintain the capital and interest, even below inflation rate

 

8、假设您的某项投资突然亏损15%以上,你将 Assuming a sudden loss of 15% or more, you will:(  )

A.持续跟踪 Keep Track

B.等待反弹 Wait for rebound

C.卖掉一半 Sell half

D.卖掉停损 Sell all to stop loss

E.预设停损点 Preset stop-loss point

 

9、假设您的某项投资突然亏损15%以上,对您的心理将带来 Assuming a sudden   loss of 15% or more, how is the psychological impact:(  )

A.不影响 No Impact

B.基本无影响 Almost no impact

C.影响情绪小 Small impact

D.影响情绪大 Huge impact

E.影响正常生活 Affect the normal life

 

10、对于投资资产价值的波动,您认为 Your concern on fluctuation of the  value of assets:(  )

A.再大波动都能接受 Acceptable to large fluctuation

B.担心但还能接受亏损 Worried but accept the loss

C.能接受轻微波动 Accept slight fluctuation

D.关心资产保值多过增值 Concern preservation more than value-added

E.不能接受任何波动 Cannot accept any fluctuation

 

 

                                                                       

 

给分标准:选A 得10 分,选B 得8 分,选C 得5 分,选D 得3 分,选E 得0 分。

Score Standards: A scores 10 Points, B scores 8 Points, C scores 5 Points, D scores 3 Points, and E scores 0 Point.

根据前述个人投资者风险承受能力测试评分结果,可对投资人风险承受能力类型与产品风险水平进行匹配,具体匹配结果可参考如下:

According to the score results of aforementioned Risk Tolerance Test for individual investors, investor’s risk tolerance type can match with the level of product risk as following:

总平均分2 分保守型投资人——低风险级别产品

Overall average score ≤ 2 points 

 

Conservative type Investor—Low-risk products

您的风险承担能力水平比较低,您关注资产的安全性远超于资产的收益性,所以低风险、高流动性的投资品种比较适合您,这类投资的收益相对偏低。

Your risk tolerance level is low. You concern about the security of the assets far more than the return. Products with low risk and high liquidity are more suitable for you, such investment return is relatively low.

 

2 <总平均分4 分稳健偏保守型投资人——中低风险级别产品

2 points< Overall average score ≤ 4 points

 

Robust Partial Conservative type Investor—Medium and low risk products

您有比较有限的风险承受能力,对投资收益比较敏感,期望通过长期且持续的投资获得高于平均水平的回报。所以中低等级风险收益的投资品种比较适合您,适当回避风险的同时保证收益。

You have limited risk tolerance. You are sensitive to the return and expect to earn above-average return through long-term sustained investments. Medium and low risk products are more suitable for you, such kind of investments have appropriate risk aversion with consistent return.

 

4 <总平均分6 分稳健型投资人——中等风险级别产品

4 points< Overall average score ≤ 6 points

 

Steady type investor—Medium risk level products

    您有一定的风险承受能力,对投资收益比较敏感,期望通过长期且持续的投资获得高于平均水平的回报,通常更注重十年甚至更长期限内的平均收益。所以中等风险收益的投资品种比较适合您,回避风险的同时有一定的收益保证。

You have a certain degree of risk tolerance. You are sensitive to the return and expect to earn above-average returns through long-term sustained investments, mostly pay more attention to a decade, or even longer period of average return. Moderate risk products are more suitable for you, such kind of investments have risk aversion, while there is a certain degree of revenue guarantee.

 

6 <总平均分8 分稳健偏积极型投资人——中高风险级别产品

6 points< Overall average score ≤ 8 points

 

Robust partial positive type investor—Medium and high risk level products

您有中高的风险承受能力,愿意承担可预见的投资风险去获取更多的收益,一般倾向于进行中短期投资。所以中高等级的风险收益投资品种比较适合您,以一定的可预见风险换取超额收益。

You have a high risk tolerance, and willing to take the foreseeable investment risk for more revenue, generally tend to short and medium-term investment. High risk products are more suitable for you which could in exchange for certain foreseeable risk with excess return.

 

8<总平均分10分 积极型投资人——高风险级别产品

8 points< Overall average score ≤ 10 points

 

Active type investor—High risk products

您有较高的风险承受能力,是富有冒险精神的积极型选手。在投资收益波动的情况下,仍然保持积极进取的投资理念。短期内投资收益的下跌被您视为加注投资的利好机会。您适合从事灵活、风险与报酬都比较高的投资,不过要注意不要因一时的高报酬获利而将全部资金投入高风险操作,务必做好风险管理与资金调配工作。

You have a higher risk tolerance, and considered as an adventurous player. In the case of investment volatility, you can retain aggressive investment philosophy. Decrease in return in the short-term is seen as a good opportunity to raise investment. You fit to engage in flexible, higher risk and rewardable investment, but should be careful not to invest all capital in a single high risk operation because of high profit, and maintain a good practice on risk management and capital allocation.