Risk Calculator

This section asks questions which provide some indication of the overall general attitude toward risk for a typical investor displaying your business investment characteristics. It may not match your business actual attitude toward investment risk, but it indicates the profile your business fits into.
About Your Business - Your Business Overall General Attitude toward Investment Risk
1.	What is your business’s total gearing ratio (defined as: (Total Current Liabilities + Total Non-Current Liabilities) / Tangible Net Worth)?
	Greater than 200%
	100.1% to 200%
	50.1% to 100%
	20.1% to 50%
	Less than 20%
2.	What is your business’s profit expectation in the next five years? (For non-profit making organization, please use net cash flow instead. )
	Very unstable with high possibility to incur losses for two or more years
	Unstable with some possibility to incur losses for one of the next five years
	Somewhat stable with very low possibility to incur any loss for the next five years
	Stable and in line with economic growth
	Stable and outpacing economic growth
3.	Does your business have any experience in investing in any of the below investment products? (Note: The answer with the highest point score will be used for the calculation of your score)
	Capital protected products
	Money market funds, guaranteed funds
	Bonds, bond funds
	Foreign currencies
	Non-capital protected currency linked structured products
	Investment-linked insurance plan
	Stocks
	Open-ended funds
	Non-capital protected equity-linked structured products
	Commodities
	Derivatives, such as options, futures, warrants
4.	How many years of experience with investment products described in Question 3 except for those no-risk products (i.e., (a) Capital protected products, and (b) Money market fund, guaranteed funds) does your business have?
	No experience
	Less than or equal to 2 years
	Over 2 years but no more than 6 years
	Over 6 years but no more than 10 years
	More than 10 years
5.	What is the attitude of your company toward investment risk?
	Your company is not happy to invest in any product where your capital is at risk.
	Your company is happy to accept a low level of investment risk in return for the potential to outperform deposits over the medium term and protect your capital against inflation.
	Your company is happy to accept a higher level of investment risk in return for increased potential to outperform deposits over the medium to long term and protect your capital against inflation. Capital values can fluctuate and may fall below your original investment.
	Your company is happy to accept a high level of investment risk and fluctuation over the short, medium and long term in return for the potential to earn returns substantially higher than inflation. Capital values can fluctuate and may fall substantially below your original investment.
	Your company is happy to accept a very high level of investment risk and fluctuation over the short, medium and long term in return for the potential to earn high returns. Capital values can fluctuate and may fall substantially below your original investment.

Disclaimer:

This questionnaire is provided by the Hongkong and Shanghai Banking Corporation Limited (HSBC) based on research conducted by Hong Kong University of Science and Technology (HKUST) R and D Corporation Limited, a wholly-owned subsidiary of HKUST. The results of this questionnaire are derived from information that your business has provided to the Bank, and only serve as a reference for your business consideration when making investment decisions for your business. This questionnaire and the results are not an offer to sell or a solicitation for an offer to buy any financial products and services and they should not be considered as investment advice. Both HSBC and HKUST accept no responsibility or liability as to the accuracy or completeness of the information given. Personal and business information collected in this questionnaire will be kept confidential by HSBC. The information may be used by HSBC or any HSBC Group entity under a duty of confidentiality to HSBC, for designing and/or marketing of financial products and services.