Investment Risk Questionnaire | Investments

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Investments
Risk Profile Questionnaire

Discover your personal level of risk tolerance

The Risk Profile Questionnaire (RPQ) uses 6 questions to assess your personal risk tolerance. Based on your responses, you'll get a risk tolerance rating from 0 to 5, with 0 being risk averse and 5 being speculative or comfortable with risk.

With your RPQ result, you can explore investment opportunities that align with your goals, while maintaining a risk level that you're comfortable with.

Start the questionnaire for the RPQ

Mitigate risk and reduce uncertainty

Risk profiles can help mitigate investment risks and reduce the uncertainties you'll face throughout your investment journey.

Make informed decisions

Raise awareness of potential investment risks, so you can set more realistic expectations for your investments.

Get a blueprint for strategic growth

A well-defined risk profile empowers you to channel capital more effectively into appropriate assets, as you enhance and diversify your portfolio.

How to take the Risk Profile Questionnaire (RPQ)

Follow these steps to find your personal risk tolerance level.

Step 1: Log on to the HSBC Malaysia Mobile Banking app

From the app home screen, select the 'Wealth' tab. From the 'Products and services' menu, select 'Risk Profile Questionnaire'.

Step 2: Complete the Risk Profile Questionnaire

Step 2: Choose an answer for each of the RPQ questions.

Step 3: Review your Risk Profile Questionnaire results

Check out your RPQ result. Feel free to refine your responses to ensure the result matches your risk expectations, before proceeding to select 'Confirm' to agree with the result.

Step 4: Select a reason for your risk tolerance level assessment

Select an answer that best explains why your RPQ result reflects your current level of risk tolerance.

What the different risk tolerance levels mean

Here is an explanation of the 6 possible risk profiles, numbered 0 to 5.

Secure (0)
You generally don't want to take any investment risk, since you can accept no investment loss.
Very Cautious (1)
You are generally comfortable with achieving a minimal level of return on your investment coupled with minimal risks.
Cautious (2)
You are generally comfortable with achieving a low level of return on your investments coupled with a low level of risk.
Balanced (3)
You are generally comfortable with achieving a moderate level of return on your investment coupled with a moderate level of risk.
Adventurous (4)
You are generally comfortable with achieving a high level of return on your investment coupled with a high level of risk.
Speculative/Risky (5)
You are generally comfortable with maximising your potential return on investment coupled with a very high level of risk.


Risk tolerance level	Suitable products	Description
Secure (0)	Products with NO investment risk	Financial products with an investment or risk element are not suitable for you. Products that may be suitable for you are likely to produce returns based on prevailing interest and profit rates, which may or may not keep pace with inflation.
Very Cautious (1)	Risk rating level 1	Capital values of products that may be suitable for you can fluctuate and may fall below your original investment. In normal market conditions, fluctuation is expected to be minimal (although this is not guaranteed) and you are comfortable with this level of fluctuation. Investment products that carry a risk rating 1 are likely to be suitable for you.
Cautious (2)	Risk rating level 1 – 2	Capital values of products that are potentially suitable for you can fluctuate and may fall below your original investment. In normal market conditions, fluctuation is expected to be low (although this is not guaranteed) and you are comfortable with this level of fluctuation. Investment products that carry a risk rating 2 or below are likely to be suitable for you.
Balanced (3)	Risk rating level 1 – 3	Capital values can fluctuate and may fall below your original investment. Fluctuation is expected to be higher than products that are suitable for investors in lower risk tolerance categories, but not as much as for a higher risk tolerance category. Investment products that carry a risk rating 3 or below are likely to be suitable for you.
Adventurous (4)	Risk rating level 1 – 4	Capital values can fluctuate significantly and may fall quite substantially below your original investment. You understand the risk/reward equation and are comfortable with this level of fluctuation. Investment products that carry a risk rating 4 or below are likely to be suitable for you.
Speculative/Risky (5)	Risk rating level 1 - 5	Capital values can fluctuate very significantly and may fall substantially below your original investment. You understand the risk/reward equation and are comfortable with this level of fluctuation. Investment products that carry a risk rating 5 or below are likely to be suitable for you.


Risk tolerance level	Secure (0)
Suitable products	Products with NO investment risk
Description	Financial products with an investment or risk element are not suitable for you. Products that may be suitable for you are likely to produce returns based on prevailing interest and profit rates, which may or may not keep pace with inflation.

Risk tolerance level	Very Cautious (1)
Suitable products	Risk rating level 1
Description	Capital values of products that may be suitable for you can fluctuate and may fall below your original investment. In normal market conditions, fluctuation is expected to be minimal (although this is not guaranteed) and you are comfortable with this level of fluctuation. Investment products that carry a risk rating 1 are likely to be suitable for you.

Risk tolerance level	Cautious (2)
Suitable products	Risk rating level 1 – 2
Description	Capital values of products that are potentially suitable for you can fluctuate and may fall below your original investment. In normal market conditions, fluctuation is expected to be low (although this is not guaranteed) and you are comfortable with this level of fluctuation. Investment products that carry a risk rating 2 or below are likely to be suitable for you.

Risk tolerance level	Balanced (3)
Suitable products	Risk rating level 1 – 3
Description	Capital values can fluctuate and may fall below your original investment. Fluctuation is expected to be higher than products that are suitable for investors in lower risk tolerance categories, but not as much as for a higher risk tolerance category. Investment products that carry a risk rating 3 or below are likely to be suitable for you.

Risk tolerance level	Adventurous (4)
Suitable products	Risk rating level 1 – 4
Description	Capital values can fluctuate significantly and may fall quite substantially below your original investment. You understand the risk/reward equation and are comfortable with this level of fluctuation. Investment products that carry a risk rating 4 or below are likely to be suitable for you.

Risk tolerance level	Speculative/Risky (5)
Suitable products	Risk rating level 1 - 5
Description	Capital values can fluctuate very significantly and may fall substantially below your original investment. You understand the risk/reward equation and are comfortable with this level of fluctuation. Investment products that carry a risk rating 5 or below are likely to be suitable for you.

Product risk rating levels:

1 – Low
2 – Low to Medium
3 – Medium
4 – Medium to High
5 – High

Ready to start?

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Download the HSBC Malaysia app to take the questionnaire.

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Frequently asked questions (FAQs)

The factors that are considered to determine your risk profile include: 

Your investment goals

Your access to liquid cash

Your ability to absorb losses over the short and long term

Your investing behavior

The quantum of how much downside risk in your investments you're willing to take for a potential upside of your investments value

Your risk profile is valid for 2 years from the date you complete the Risk Profile Questionnaire. You can also proceed with the self-directed investment journey via EZInvest or the Unit Trust Browser, without retaking the Risk Profile Questionnaire.

If your risk profile expires, we'll remind you to consider retaking the questionnaire. You can also proceed with the self-directed investment journey via EZInvest or the Unit Trust Browser, without retaking the Risk Profile Questionnaire.

Yes, you may choose to invest in products with a higher risk level than your current risk profile. Though you'll be prompted to consider retaking the questionnaire to reflect your current circumstances and attitude to risk.

Risk Profile Questionnaire

Discover your personal level of risk tolerance

Why you should know your investment risk profile

Mitigate risk and reduce uncertainty

Make informed decisions

Get a blueprint for strategic growth

How to take the Risk Profile Questionnaire (RPQ)

Step 1: Log on to the HSBC Malaysia Mobile Banking app

Step 2: Complete the Risk Profile Questionnaire

Step 3: Review your Risk Profile Questionnaire results

Step 4: Select a reason for your risk tolerance level assessment

What the different risk tolerance levels mean

Risk tolerance levels: descriptions and suitable products

Ready to start?

Download the app

New to investing?

Frequently asked questions (FAQs)

What factors are considered to determine my risk profile?

How long is my risk profile valid for?

What happens if my risk profile expires?

Can I invest in products with a higher risk level than my current risk profile?

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What factors are considered to determine my risk profile?