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STEP 1
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STEP 1
Answer a few questions
STEP 2
Select the options that might suit you
STEP 3
A test for the assets mix that might suit you
How 'hands-on' are you when it comes to investing?
Do you read the financial news every day?
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Are you interested in investments?
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Do you research all available options before making any investment choices?
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Do you have other investments such as stocks or mutual funds, other than your ORSO?
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Do you invest based on your own decisions, rather than seeking help from friends or professionals?
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Do you know which ORSO funds you are currently invested in?
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Have you checked the performance of your ORSO in the past 12 months?
This answer is in missing for required fields.You Are "Do-it-myself" style
You have your own view on investment opportunities and are willing to spend time monitoring and managing your investment portfolio frequently. You favour building up and managing your investment portfolio on your own.
You Are "Do-it-for-me" style
You have more important priorities in life than worrying about your investments, and you may have limited time to manage your investments. You may want to rely on investment experts to manage your portfolios, giving you peace of mind knowing your investments are in good hands.
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STEP 1
1
2
3
STEP 1
Answer a few questions
STEP 2
Select the options that might suit you
STEP 3
A test for the assets mix that might suit you
Select the options that might suit you
You may consider the type of funds listed below:
- Mainly invest in stocks of a particular country, region or theme
- Mainly invest in stocks according to market indices, funds' return is largely in line with that of the indices
- Generally lower fees
- Mainly invest in bonds and deposits
- Generally lower risk than equity funds
- Generally lower fees
- There are three types available with varying proportion of equity-bond mix: capital stable fund, stable growth/balanced fund and growth fund
- Choose based on your age and risk tolerance level
- Greater flexibility to adjust the proportions of the equity-bond mix according to the investment manager's view of market conditions
- May invest up to 90% in equities or 90% in bonds
- Relatively higher risk
This answer is in missing for required fields.1
STEP 1
1
2
3
STEP 1
Answer a few questions
STEP 2
Select the options that might suit you
STEP 3
A test for the assets mix that might suit you
A TEST FOR THE ASSETS MIX THAT MIGHT SUIT YOU
Family Information
Your age?
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No. of dependants (including children)?
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What kind of annual return are you looking for to meet your long term needs?
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What kind of investments do you most prefer?
This answer is in missing for required fields.Market Sensitivity
Historically, stock markets do not move in straight lines and can be volatile. Your financial objectives will affect the degree of volatility your portfolio can reflect.
If you are investing for the long term and volatile markets cause the value of your investment to dip during your investment period, how much of a dip do you think you could tolerate without feeling very uncomfortable about the investment?
If you are investing for the long term and volatile markets cause the value of your investment to dip during your investment period, how much of a dip do you think you could tolerate without feeling very uncomfortable about the investment?
This answer is in missing for required fields.Assets
What is the percentage of your regular monthly expenses in your regular monthly income?
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If you prefer lifestyle funds, you may choose one with reference to the below:
You may consider personalized automatic investment reallocation service
You may consider dynamic asset allocation funds
Growth funds
Stabled growth / balanced funds
Capital stable funds
With the low risk-tolerence level, you may want to consider choosing fixed income / guaranteed funds rather than lifestyle funds
If you prefer building your own portfolio, you may consider the mix between equity funds and fixed income funds as below:
70-100% equity funds
If you prefer building your own portfolio, you may consider the mix between equity funds and fixed income funds as below:
40-70% equity funds
If you prefer building your own portfolio, you may consider the mix between equity funds and fixed income funds as below:
20-40% equity funds
If you prefer building your own portfolio, you may consider the mix between equity funds and fixed income funds as below:
0-20% equity funds
Fund Selection Matrix
Fund Selection MatrixDisclaimer / Note:
This is a simple assessment tool to assist you with your retirement planning. The evaluation is based on data you have submitted and is for reference only. It does not take into account any other investments you may have or factor outside the parameter of this assessment tool. You should make your own investment choices based on your risk tolerance level and financial circumstances with or without reference to the result of this assessment. When, in your selection of funds, you are in doubt as to whether a certain fund is suitable for you (including whether it is consistent with your investment objectives), you should seek financial and/or professional advice and choose the fund(s) most suitable for you taking into account your circumstances. Please remember that personal circumstances change over time, you should re-assess your portfolio from time to time. You should not make investment choice based on this assessment tool alone. AIA, or its affiliates and staff, shall not be responsible for any losses, damages, claims, expenses suffered or incurred, or for any direct, indirect, special, incidental, exemplary, or consequential damages, including lost profits, arising from or related to the use of this assessment tool.