Our Perspective:

We acknowledge the unique perspectives individuals hold, especially concerning investment. Before providing advice, we prioritize comprehending each client fully. This entails understanding their investment objectives, tolerance for risk, capacity for risk-taking, and individual preferences regarding investing.

Understanding Risk:

Risk in your portfolio refers to the potential long-term deviation from expected value. While discussed extensively in the investment realm, risk is multifaceted. Fundamentally, it signifies the uncertainty and variability surrounding investment returns. While often linked to potential loss, risk can also present opportunities, as investments with higher risk levels typically yield higher potential returns.

Our Objective:

Our goal is to craft an investment portfolio aligned with your objectives, fostering wealth growth within your comfort level of risk. Delving into discussions on risk tolerance, capacity, and personal preferences is pivotal in comprehending your investment requirements.

Your Responses:

Your responses to this questionnaire enable us to address your needs comprehensively and systematically. By candidly expressing your preferences, we can tailor our investment solutions and services to suit your individual requirements effectively.

Important Note

This investment questionnaire comprises three sections:

Section 1: Investment Knowledge & Experience

Section 2: Risk Capacity

Section 3: Risk Tolerance

Individual Account, Joint Account, and Collective Account

Sections 1 - 3 of this investment questionnaire should be completed from the client’s perspective, i.e., the account holder's perspective. In the case of multiple clients (e.g., joint account), each client must complete this investment questionnaire individually from their own viewpoint.

Legal Entity Account (including foundation and trust)

Section 1 should be completed from the perspective of the respective authorized signatory (refer to the Signature form for corporates). Additionally, the form "Investment Questionnaire – Legal Entity, Trust, and Foundation," containing information regarding Risk Capacity and Risk Tolerance, should be completed from the account holder’s perspective (e.g., the legal entity).

Global Overview Profile Session

Welcome to this new session, which serves as a valuable addition to the questionnaire, offering an automated scoring system tied to the investor's profile. Its primary objective is to delve into the client's perception of their risk tolerance and to delineate an investment profile reflective of the findings. While previous sections aid in gathering a broader understanding, this session aims to refine and provide a more precise assessment.

Important Note:

The client's risk profile indicates their individual capacity to withstand uncertainty in financial markets. It also reflects the maximum risk level of the overall investment strategy. However, while the investment objective for a specific portfolio may not always align with the client's overall risk profile, as long as the combined portfolios match the overall risk profile, it remains viable. To ensure the provision of optimal solutions, we strongly recommend adhering to our recommendations. Nonetheless, clients have the flexibility to choose an individual risk profile that deviates from the calculated risk profile by a maximum of one level.

Appendix

The following client risk profiles (CRP) and corresponding investment objectives/strategies are recognized:

Definition of investment objectives / strategies

Fixed income

The objective is the long-term return on invested capital by investing in bonds. The risk, defined as the fluctuation of investment returns over time, is low. The minimum recommended investment period is 1 to 4 years.

Conservative

The objective is the long-term return on invested capital by investing primarily in bonds and a minor allocation to a welldiversified equity portfolio. The risk, defined as the fluctuation of investment returns over time, is low. The minimum recommended investment period is 2 to 5 years.

Conservative / Balanced

The objective is the long-term return on invested capital by investing in a combination of bonds and a well-diversified equity portfolio, with a greater allocation to bonds. The risk, defined as the fluctuation of investment returns over time, is low to moderate. The minimum recommended investment period is 3 to 6 years

Balanced

The objective is the long-term return on invested capital by investing in a roughly equal combination of bonds and a welldiversified equity portfolio. The risk, defined as the fluctuation of investment returns over time, is moderate. The minimum recommended investment period is 4 to 7 years.

Growth

The objective is the long-term return on invested capital by investing in a well-diversified equity portfolio with a minor allocation to bonds. The risk, defined as the fluctuation of investment returns over time, is moderate to high. The minimum recommended investment period is 7 years or longer.

Equity

The objective is the long-term return on invested capital by investing in a well-diversified equity portfolio. The risk, defined as the fluctuation of investment returns over time, is high. The minimum recommended investment period is 7 years or longer.

Important note

An account holder may have multiple portfolios with different investment objectives / strategies. However, on a consolidated basis the different portfolios must be in line with the client’s risk profile.

THANK YOU!

We sincerely appreciate the time you've taken to fill out the questionnaire. Your input is invaluable to us as we strive to tailor our services to meet your individual needs. Thank you for your participation and for helping us better understand your investment preferences and objectives.