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Investment risk tolerance

Understand your investment risk tolerance to build investment strategies!

The first step for investment is to understand risk tolerance

The concept of making investments is similar to seeing movies that we pick the ones with ratings suitable for us.

As all investment products have their own risk rating(s), before making investment, it is important to comprehensively understand our own risk tolerance and suitable investment types for finding out the best investment portfolio while enjoying the opportunities of wealth accumulation.

How do I know my risk tolerance?

Let’s log on online banking for assessing risk tolerance!

Assess risk tolerance Click to login and check risk tolerance

If you have not registered online banking yet, you could register now for assessing risk tolerance!

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Assess risk tolerance to find out the best investment portfolio

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My risk tolerance

 

Decide to take suitable investment strategies, such as Secure, Balanced or Very Adventurous approach, based on risk tolerance result.

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Understand suitable investment type

 

Set clear investment goal(s) after understanding risk tolerance.

How to determine my risk tolerance

  • Risk Profiling Questionnaire (RPQ) makes you understand your risk tolerance

Risk Profiling Questionnaire (RPQ) makes you understand your risk tolerance. When you have investment need(s), you need to understand your risk tolerance first. For example, do you prefer to take Secure, Balance or Very Adventurous investment strategy?

Through Risk Profiling Questionnaire (RPQ), we can comprehensively understand investment preference and plan suitable investment portfolio. Let’s log on online banking to assess Risk Profiling Questionnaire (RPQ)!

  • Log on online banking directly to know what is your risk tolerance?

Let’s assess risk tolerance right away Click to login and check risk tolerance

  • Log on online banking to understand risk tolerance

Let’s complete Risk Profiling Questionnaire (RPQ) assessment in 3 simple steps!

Step 1 Log on online banking

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Log on online banking  

Start assessing risk tolerance 

Complete assessment 

Understand the investment type suitable for you

  • After Understanding your Investment type, setting clear investment goal(s)

After understanding your risk tolerance and investment type, your next step is to set clear investment goal(s) and to find suitable investment product type(s) without getting lost in the market.

Customer Risk Tolerance and Investment Products Comparison Table

**Risk rating in the bank is classified as five levels, and customers may consider wealth products with risk levels commensurate with their risk tolerance according to the table below.

Customer

Risk Tolerance

 Foreign Stock
 Offshore Bonds Equity Funds Balanced Funds  Bond Funds

Dual Currency

Investment

(DCI)

Exchange Traded Funds

(ETF)

 Interest Sensitive Insurance Investment-linked Insurance* Protection Insurance RiskToleranceDescription

Very Adventurous

(5)

                     - Be generally comfortable with maximizing return potential coupled with maximized risk.
- Be suitable to products

Adventurous

(4)

  
                   - Be comfortable with achieving a high level of return potential coupled with high level of risk.
- Be suitable to products with quite significant and substantial fluctuation in normal market conditions
Balanced(3)  
                   - Be generally comfortable with achieving a moderate level of return potential coupled with a moderate level of risk.
- Be suitable to products with moderate fluctuation in normal market conditions.

Cautious

(2)

 N/A  
 N/A  
            

- Be generally comfortable with achieving a low level of return potential coupled with a low level of risk.

- Be suitable to products with low fluctuation in normal market conditions.

Very

Cautious

(1)

 N/A  
 N/A N/A N/A N/A N/A      

-Be generally comfortable with achieving minimal level of return potential coupled with minimal risks.

- Be suitable to products with minimal fluctuation in normal market conditions.

Customer Risk Tolerance and Investment Products Comparison Table

**Risk rating in the bank is classified as five levels, and customers may consider wealth products with risk levels commensurate with their risk tolerance according to the table below.

Customer

Risk Tolerance

Very Adventurous

(5)
Foreign Stock
  
Offshore Bonds  
Equity Funds  
Balanced Funds   
Bond Funds  

Dual Currency

Investment

(DCI)

  

Exchange Traded Funds

(ETF)

  
Interest Sensitive Insurance  
Investment-linked Insurance*  
Protection Insurance  
RiskToleranceDescription
 - Be generally comfortable with maximizing return potential coupled with maximized risk.
- Be suitable to products

Customer

Risk Tolerance

Adventurous

(4)
Foreign Stock
  
Offshore Bonds  
Equity Funds  
Balanced Funds   
Bond Funds  

Dual Currency

Investment

(DCI)

  

Exchange Traded Funds

(ETF)

  
Interest Sensitive Insurance  
Investment-linked Insurance*  
Protection Insurance  
RiskToleranceDescription
 - Be comfortable with achieving a high level of return potential coupled with high level of risk.
- Be suitable to products with quite significant and substantial fluctuation in normal market conditions

Customer

Risk Tolerance

 Balanced(3)
Foreign Stock
  
Offshore Bonds  
Equity Funds  
Balanced Funds   
Bond Funds  

Dual Currency

Investment

(DCI)

  

Exchange Traded Funds

(ETF)

  
Interest Sensitive Insurance  
Investment-linked Insurance*  
Protection Insurance  
RiskToleranceDescription
 - Be generally comfortable with achieving a moderate level of return potential coupled with a moderate level of risk.
- Be suitable to products with moderate fluctuation in normal market conditions.

Customer

Risk Tolerance

Cautious

(2)
Foreign Stock
 N/A
Offshore Bonds  
Equity Funds N/A
Balanced Funds   
Bond Funds  

Dual Currency

Investment

(DCI)

  

Exchange Traded Funds

(ETF)

  
Interest Sensitive Insurance  
Investment-linked Insurance*  
Protection Insurance  
RiskToleranceDescription

- Be generally comfortable with achieving a low level of return potential coupled with a low level of risk.

- Be suitable to products with low fluctuation in normal market conditions.

Customer

Risk Tolerance

Very

Cautious

(1)
Foreign Stock
 N/A
Offshore Bonds  
Equity Funds N/A
Balanced Funds  N/A
Bond Funds N/A

Dual Currency

Investment

(DCI)

 N/A

Exchange Traded Funds

(ETF)

 N/A
Interest Sensitive Insurance  
Investment-linked Insurance*  
Protection Insurance  
RiskToleranceDescription

-Be generally comfortable with achieving minimal level of return potential coupled with minimal risks.

- Be suitable to products with minimal fluctuation in normal market conditions.

Please be minded that this table is only for reference. As each product type may cover a range of different risk ratings, the bank will only provide a range of products suitable to customers’ risk tolerance. In addition, the table above does not consider products for Professional Investors (PI).

The three categories of funds/Unit Trusts (UT) listed above are not covering all categories in the market. Different categories include products with various risk rating. 

*The underlying in investment-linked insurance should match with customer risk tolerance.

You might be interested in

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Unit trusts Investments

 

Make your investment more diversified to your portfolio. With HSBC, you can choose from a wide range of funds to match your attitude to risk and investment goals. 

A lady is lying on the floor and using laptop; image used for HSBC Foreign Stock page.

Foreign stocks

 

Become a shareholder of major companies across various sectors to receive dividends, enjoy the growth, or gain returns from trading volatility.

A lady is using a laptop and filling out documents; image used for Exchange Traded Funds (ETF).

Exchange Traded Funds (ETF)

 

Allocate your wealth to a batch of securities in one transaction to enable the grasp of growth opportunities in a specific market or industry while diversifying your investment portfolio.

A lady is using tablet next to the window; image used for Offshore bonds.

Offshore Bonds

 

Make steady and consistent source of income/coupons and allocate your wealth in a comparatively stable asset for the opportunity to diversify investment risk.

A young woman in sunflower fields; image used for dual currency investments.

Dual Currency Investments (DCI)

 

Target a variety of real time quotation in foreign currencies to attain your personal goal in wealth management.

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Structured Deposits

 

Capture opportunities from market with tailor-made product features to match your financial aspiration. 

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