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Standard Chartered Bank – Suitability Assessment

By accurately providing your financial situation, investment goals, and risk tolerance, you will receive a personalized investment suitability assessment to help create your tailored wealth management plan.

Standard Chartered Bank – Suitability Assessment

By accurately providing your financial situation, investment goals, and risk tolerance, you will receive a personalized investment suitability assessment to help create your tailored wealth management plan.

Client Investment Profile (CIP)

CIP Result
Product risk level
(product type)		Risk Averse
1		Conservative
2		Moderate
3		Moderately Aggressive
4		Aggressive
5		Very Aggressive
6
Risk Averse
(e.g. Time Deposit, Life Insurance)		●●●●●●
Conservative
(e.g. part of Bond Funds)		 ●●●●●
Moderate
(e.g. part of Balanced Funds)		  ●●●●
Moderately Aggressive
(e.g. part of Equity Funds)		   ●●●
Aggressive
(e.g. part of Offshore Equities, part of Perpetual Securities)		    ●●
Very Aggressive
(e.g. part of Structured Notes)		     ●

What does the CIP rating mean?

The CIP rating result will classify you in one of the six Risk Profiles, ranging from "1" to "6", where rating "1" is the lowest and rating "6" is the highest.

  • CIP rating "1" meaning you can purchase products with low-return opportunities accompanied by relatively low risk, such as Time Deposit, Lift Insurance;
  • CIP rating "5" or "6" meaning you can take up products with high-return opportunities accompanied by relatively high risks, such as Bond, Equity, Structured Notes

The higher the CIP rating result, the higher the product risk rating and investment risk.


You can complete your suitability assessment

Mobile / Online Banking Online Application Visit a Branch

Investment Profile Classification

 

INVESTMENT PROFILE CLASSIFICATION 
Risk Averse 1Your sole objective is to preserve your capital and achieve returns based on prevailing deposit rates. You are not willing to invest in any products where your capital is at risk at any point in time.
Conservative 2You seek to achieve above deposit rate returns and protect your capital against inflation. You are willing to accept very low level of investment risk over the medium term.
Moderate 3You seek to achieve a low to moderate level of capital growth on your investments and you are willing to accept low to moderate level of investment risk over the medium to long term.
Moderately Aggressive 4You seek to achieve a moderate to high level of capital growth on your investments and you are willing to accept moderate to high level of investment risk over the short, medium and long term.
Aggressive 5You seek to achieve high capital growth on your investments and you are willing to accept very high level of investment risk over the short, medium and long term.
Very Aggressive 6You seek to achieve exceptional capital growth on your investments and you are willing to accept extreme level of investment risk over the short, medium and long term.