All investments involve some degree of risk. An astute investor understands that there are no guarantees when it comes to investment gains. It is important to remember that in any type of investment, risk and return go hand-in-hand.

Although it is impossible to avoid risks completely when investing, you can always minimise your exposure to risk and ensure that your investment decisions are suitable for your financial situation and risk appetite. With this in mind, completing the "Questionnaire on Investment Preference" will enable you to get a better understanding of your investment risk profile.

Before investing, you should consider several factors such as your risk appetite, financial status, investment objective and experience, which will allow you to select the investment products that best suit your needs.


What is the "Questionnaire on Investment Preference"?

The "Questionnaire on Investment Preference" specially developed by BOCHK enables you to have a better understanding of your investment risk profile.

The questionnaire has been designed based on the premise that the appropriate level of risk depends on an investor’s investment objective, investment horizon, liquidity needs, investment knowledge and experience, attitude towards risk and expectation of returns. The investment risk profile is classified into 5 levels, wherein investment products involving higher risk are only suitable for customers with a higher risk appetite. The design and rating structure of the questionnaire are based on findings from empirical research. Your answers will affect the result of the questionnaire, and therefore, you should provide valid, true, complete, accurate and updated information. Otherwise, it can significantly affect the accuracy and reliability of the suitability assessment.

Upon completing the questionnaire, it will then indicate your risk appetite level, which you can use as a reference to select the most suitable investment products for you.

What does the result of the "Questionnaire onInvestment Preference" indicate?

You are a conservative investor whose primary goal is to preserve your capital and are cautious of taking on additional investment risks.
Moderately Conservative
You are a moderately conservative investor whose primary goal is to seek investment returns which are slightly higher than the deposit interest rate. Generally, you prefer to take on low-to-medium investment risks and can accept minimal fluctuations in capital with the possibility of high short-term losses occasionally.
You are a moderate investor who aims to achieve a return higher than the inflation rate and seeks moderate capital growth. Generally, you prefer to take on medium investment risks and can accept moderate fluctuations in capital with the possibility of high short-term losses occasionally.
Moderately Aggressive
You are a moderately aggressive investor looking for a return considerably higher than the inflation rate to achieve high capital appreciation. You can accept fluctuations where the capital may fall substantially below your original investment.
You are an aggressive investor who is keen on maximising potential returns and minimising risks is not your primary concern. You can accept leveraged investments and the corresponding risk of capital loss in favour of higher potential returns.

Correlation between
investment risk profile
ratings and risk tolerance

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How to use the investment risk profile rating as a reference when selecting an investment product

You should select a suitable investment product that corresponds with your risk appetite, financial situation, investment objectives and experience. BOCHK classifies the investment products into five different ratings based on its internal assessment (1 = low risk, 2 = low to medium risk, 3 = medium risk, 4 = medium to high risk, 5 = high risk) to help customers understand and evaluate the risks associated with each product. This enables them to select products that match their risk appetite.

For example, if your investment risk profile is rated level 4, you can select an investment product with a risk rating of 4 or below.

Suitable for investors who are risk-averse and seek capital protection.
Low to Medium
Suitable for investors who can take on low-to-medium risks in favour of investment returns slightly higher than the deposit interest rate.
Suitable for investors who are willing to take on medium risks to pursue investment returns higher than the inflation rate and moderate capital growth.
Medium to High
Suitable for investors who are willing to take on medium-to-high investment risk to seek high capital gains.
Suitable for investors who are keen on maximising their investment returns, irrespective of the risks involved.

"Questionnaire on Investment Preference" is an ideal reference that will guide you in making appropriate investment decisions. However, your investment risk profile can still change due to various factors throughout different stages in life such as your current financial situation and investment experience. You are advised to review your "Questionnaire on Investment Preference" regularly to understand your most updated risk profile.


Complete / update “Questionnaire on Investment Preference” anytime anywhere via BOCHK Mobile Banking or Internet Banking

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Risk Disclosure:
The following risk disclosure statements cannot disclose all the risks involved and does not take into account any personal circumstances unknown to BOCHK. You should carefully consider whether trading or investment is suitable in light of your own risk tolerance, financial situation, investment experience, investment objectives, investment horizon and investment knowledge. You should undertake your own independent review and seek independent professional advice before you trade or invest especially if you are uncertain of or have not understood any aspect of the following risk disclosure statements or the nature and risks involved in trading or investment.

Important Notes for Investment Products or Services:
Investment involves risks. Although investment may bring profit opportunities, each investment product or service involves potential risks. Due to dynamic changes in the market, the price movement and volatility of investment products may not be the same as expected by customers. Customers' fund may increase or reduce due to the purchase or sale of investment products. The loss incurred from investment may be the same or greater than initial investment amount, proceeds may also change accordingly. Part of the investment may not be able to liquidate immediately under certain market situation. Before making any investment decisions, customers should consider their own financial situation, investment objectives and experiences, willingness and ability to bear risks, and understand the nature and risks of the relevant product. For the nature and risk disclosures of individual investment products, customers should read carefully the relevant offering documents for details. Customers should seek professional advice from an independent financial adviser.

This promotion material does not constitute any offer, solicitation, recommendation, comment or guarantee to the purchase, subscription or sale of any investment product or service and it should not be considered as investment advice.

This promotion material is issued by BOCHK and the contents have not been reviewed by the Securities and Futures Commission of Hong Kong.