Financial Planning, NRI Services, NOSTRA ADVISORS PVT. LTD. Ahemdabad, India

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Which of the following best describes your current stage of life? Single with less financial burden. Single with dependent parents – Your parents and siblings are financially dependent on you. Young family – This is the peak home purchasing time and such you might have a mortgage. You have highj spending on consumer items and young childrens. Mature family – You wich to accumulate wealth for childrens marriage, education in the future. Nearing retirement – You probably own a house and most of your financial obligations have already been planned for. Retired.

Which of the following best describes your purpose of investing. You have strict investment horizon of longer than 5 years. You understand financial markets and are mainly investing for creating long term wealth. You are in the peak earning years, have surplus funds to invcest and you are aiming to accumulate long term wealth from a balanced portfolio. You have a lump sum (PF payout, inheritance), which you want to invest in secure investment instruments but are uncertain about the alternatives. You are close to your retirement and are investing to ensure you have sufficient funds available to enjoy your retirement. You have some specific requirements to be met within the next five years for which you want to accumulate sufficient funds. You wish to receive a regular income and/or totally protect the value of your investment.

How well do you understand investing in the markets? Along with life insurance coverage for yourself, you have insured all your major assets (house, vehicle etc) You have taken enough life insurance coverage for you and your family. You have not taken enough life insurance coverage to meet unforeseen evantualities. You have not taken any type of insurance coverage.

Have you planned for major forseen expenses (such as child’s higher education/ marriage,purchase of home, hospitalization, retirement etc.) You have no separate provision for these expenses. You have made some provision for these expenses (10% to 40% of expected expences). You have a separate provision for theseexpenses (40% to 100%). You do not expect to have such expenses.

How long do you expect to remain invested before starting withdrawal? Within 1 year Between 1 and 3 years Between 3 and 5 years Between 5 and 10 years More than 10 years

How familiar are you with financial markets? You have just heard about financial markets and instruments but have no or very little knowledge about them. You know about various markets and instruments but you have little ides of how they function anf how you can benefit from diversification. You understand the importance of diversification across various asset classes even if you are not familiar with the risk-return profiles of the same. You understand that your investments will fluctuate with the maekts and that different market sectors offer different income and growth characteristics. You understand the risk-return characteristics of different asset classes and financial instruments and understand the factors that influence their performances.

If you didn’t need your capital for more than 5 years, for how long would you be prepared to see your investment performing poorly before getting worried and/or liquidating it? You would liquidate if there was any loss in value Upto 3 months Upto 6 months Up to 1 year Up to 3 years or more

What would your reaction be if six months after placing your investment (for long term, i.e. for more than 5 years), you discover that, in line with what is happening in the financial markets Extremely concerned. Security of capital is critical and I did not intend to take risks I would cut my losses and transfer my funds into more secure investment sectors I would be concerned, but would wait to see if the investment improves This was a calculated risk and I would leave the investment in place, expecting future growth I would invest more funds to lower my average investment price, expecting future growth

Your current investment portfolio comprises of: Mainly cash/bank deposits with a small portion invested in low risk bonds. Mainly debt market investments and some portion in blue chip stocks(Time deposits, bonds, debt mutual funds, blue chip stocks). A mix of debt instruments, blue chip and aggressive stocks. Mainly aggressive stocks, high-yield debt funds (small and midcap stocks and income funds) and some real estate. Mostly speculative or high risk investments (aggressive stocks, high risk funds, options, real estate, leveraged positions, etc)

Given below are best case and the worst case scenarios of five hypothetical investment plans with both having equal chance of occurrence. Which is the most acceptable to you? Best 8% - Worst 0% Best 15% - Worst -5% Best 25% - Worst -10% Best 40% - Worst -20% Best 60% - Worst -40%

Assuming a inflation rate of 5-7% over a medium to long termhorizon (3 to 5 year+) what return do you reasonably expect to achieve from your investments? Inflation rate plus 2-4% p.a. Inflation rate plus 5-7% p.a. Inflation rate plus 8-10% p.a Inflation rate plus 11-15% p.a. More than 15% p.a. over inflation rate

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Risk Assessment

Risk Assessment