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We need to remember that if you want to improve the quality of your life and you want to achieve your personal goals and aspirations, then planned financial investment is the only solution.
Through the following set of questions we have tried to help you identify the right investment strategy to fulfill your 'real' needs in life. After analysing your responses, we will suggest you a personalised investment strategy that takes into account your specific needs and requirements like 'Investment objectives', 'Risk tolerance level' and 'Time horizon' of investment.


1. Your present age? Below 30 years 30-40 years 40-50 years50-60 yearsAbove 60 years
2. Expected level of future earnings!Will far outpace inflationWill be somewhat ahead of inflationWill keep pace with inflationMay decrease for reasons of retirement, recession …etc
3. Do you wish to own a house?No, already own one and happy with itYes, looking to buy in the near future (next 5 years)Looking to buy, but in the distant future (sometime after 5 years)Don't plan on owning one
4. Other assets that you wish to acquire (car,consumer durables,jewellery)!Acquired almost everything neededLooking to buy in the near futureLooking to buy, but in the distant future (sometime after 5 years)
5. What about your children?All settled, no further support neededCommitment such as education or wedding coming up in near futureSuch commitment expected in distant future (sometime after 5 years)No children
6. Any other major expenses (travel, medical, care of aged)?NoneYes, anticipated in less than 5 yearsYes, in 5 to 10 yearsYes, but in 10 years or more
7. Your current income level?Much more than expensesSomewhat more than expensesAbout equal to expenses
8. Percentage of your annual income that you set aside for      savings/investments?Less than 10%10% - 20%20% - 30%30% - 40%Over 40%
9. What would you like to do with your investment income?Receive all of it for current expenditureReceive some and invest the rest for further appreciationDon't need income now; Will reinvest entire amount for future growth
10. How much of your current income goes towards paying off your debt       (housing loan, vehicle loan, credit card payments..... … etc)? 0-10%11-25%26-35%above 35%
11. For how long can you set aside your funds?Less than a year1 year - 3 years3 - 5 yearsMore than 5 years
12. What type of investment plan would you choose?Low steady returns with total principal safety at all timesMedium returns with some possibility of a temporary decline in principalAbove average returns with fluctuations in the value of investmentHigh risk-High return
13. Suppose that suddenly, the stock market drops sharply and your most        recent purchase drops 20 percent. What do you do?Sell all the sharesSell someKeep allBuy more
14. What is your primary financial investment plan?Creating wealthSaving for retirementAcquiring an assetReceiving regular incomePlanning for a commitment (Child's education/marriage etc.)
15. What does money mean to you? Gives me peace of mind and securityGives me the comforts of day to day livingGives me a sense of success and a feeling of accomplishment



<%elseif request.form("sub")<>"" then%> <%wealth=clng(request.form("q1"))+clng(request.form("q2"))+clng(request.form("q3"))+clng(request.form("q4"))+clng(request.form("q5"))+clng(request.form("q6"))+clng(request.form("q7"))+clng(request.form("q8"))+clng(request.form("q9"))+clng(request.form("q10"))+clng(request.form("q11"))+clng(request.form("q12"))+clng(request.form("q13"))+clng(request.form("q14"))+clng(request.form("q15"))%>
As per your response, it shows that a portfolio that delivers capital appreciation and grows your networth steadily will most likely work best for you. We therefore recommend you <%if clng(wealth) >= 45 and clng(wealth) <= clng(96) then%> Short Term Investment Plan and you should diversify your investment portfolio in the following pattern :


<%elseif clng(wealth) >= clng(97) and clng(wealth) <= clng(147) then%> Moderate Investment Plan and you should diversify your investment portfolio in the following pattern :


<%elseif clng(wealth) >= clng(148) and clng(wealth) <= clng(198) then%> Growth Investment Plan and you should diversify your investment portfolio in the following pattern :


<%elseif clng(wealth) >= clng(199) and clng(wealth) <= clng(247) then%> Aggressive Investment Plan and you should diversify your investment portfolio in the following pattern :


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Keep in mind that your investment pattern and strategy will need to evolve with time, with changes in the financial environment and in your own personal situation. We recommend regular reviews of your investment strategy and especially in the following circumstances like :
  1. Change of job
  2. Your annual tax planning
  3. When you expect a change in family situation
  4. When you plan for your retirement or children's education
  5. Sell a major asset
  6. Receive a lumpsum payment
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