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{"sheet":"Questionnaire","index":0,"n_rows":107,"n_cols":16,"rows_kept":107,"merged":[[5,0,5,9]]}
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["Determine Your Investment Risk Profile",{"$nulls":11},"Scoring Scheme"]
[]
["Answer the following 15 questions to calculate your risk profile score. This score will determine an asset allocation that is appropriate for your risk perferences."]
["After answering the questions, just click the button at the bottom to see your recommended asset allocation"]
[]
["1. What is your total annual income before tax (including investment dividends but not including employment bonuses)?",{"$nulls":10},"Question",null,null,"Score","Choice"]
[{"$nulls":11},1,"Less than Rs.100,000",null,0,1]
[{"$nulls":12},"Rs.100,000 to Rs.199,999",null,2]
[{"$nulls":8},"Score",{"$f":"INDEX(O12:O16,P12)","v":0},null,null,"Rs.200,000 to Rs.499,999",null,4]
[{"$nulls":12},"Rs.500,000 to Rs.1,000,000",null,6]
["2. Select your sources of income (tick all that apply)",{"$nulls":11},"More than Rs.1,000,000",null,8]
[]
[{"$nulls":11},2,false,"Employment",1]
[{"$nulls":12},false,"Business",1]
[{"$nulls":12},false,"Pension",1]
[{"$nulls":12},false,"Other Retirement Sources",1]
[{"$nulls":8},"Score",{"$f":"SUM(M18:M25*O18:O25)","v":0},null,null,false,"Investment",1]
[{"$nulls":12},false,"Trust Income",1]
["3. What is the value of your liquid (or investable) assets?  This includes cash plus any easily sold investments like Gold, Bond and Stocks",{"$nulls":11},false,"Real Estate Income",1]
[{"$nulls":12},false,"Other",1]
[]
[{"$nulls":11},3,"Less than Rs.500,000",null,1,1]
[{"$nulls":8},"Score",{"$f":"INDEX(O27:O31,P27)","v":1},null,null,"Rs.500,000 to Rs.999,999",null,2]
[{"$nulls":12},"Rs.1,000,000 to Rs.4,999,999",null,3]
["4. What yearly income do you want from this investment portfolio?",{"$nulls":11},"Rs.5,000,000 to Rs.9,999,999",null,4]
[{"$nulls":12},"More than Rs.10,000,000",null,5]
[]
[{"$nulls":8},"Score",{"$f":"INDEX(O33:O39,P33)","v":6},null,4,"None",null,6,1]
[{"$nulls":12},"1% to 2% of portfolio value",null,5]
["5. How long do you intend to hold this investment portfolio?",{"$nulls":11},"3% to 4% of portfolio value",null,4]
[{"$nulls":12},"5% to 6% of portfolio value",null,3]
[{"$nulls":12},"7% to 8% of portfolio value",null,2]
[{"$nulls":8},"Score",{"$f":"INDEX(O41:O44,P41)","v":0},null,null,"9% to 10% of portfolio value",null,1]
[{"$nulls":12},"10% or more of portfolio value",null,0]
["6. What would you do if your investment portfolio fell in value by one-fifth (20%) over the course of 12 months."]
[{"$nulls":11},5,"1 to 2 years",null,0,1]
[{"$nulls":12},"3 to 5 years",null,3]
[{"$nulls":8},"Score",{"$f":"INDEX(O46:O49,P46)","v":1},null,null,"6 to 10 years",null,4]
[{"$nulls":12},"More than 10 years",null,9]
["7. What characteristics would you prefer your investments to have?"]
[{"$nulls":11},6,"Sell your investment immediately",null,1,1]
[{"$nulls":12},"Sell some of the stock",null,3]
[{"$nulls":8},"Score",{"$f":"INDEX(O52:O56,P52)","v":0},null,null,"Do nothing",null,7]
[{"$nulls":12},"Buy more stock while prices are low",null,10]
["8. Consider these six investment portfolios. Which one would you prefer to own?"]
[]
[{"$nulls":11},7,"Stability and protection against loss but with a low return",null,0,1]
[{"$nulls":8},"Score",{"$f":"INDEX(O58:O63,P58)","v":14},null,null,"A relatively small chance of short-term loss with some growth potential long term",null,2]
[{"$nulls":12},"Moderate short-term loss, with moderate growth potential long term",null,2]
["9. What do you want this investment portfolio to do?",{"$nulls":11},"A greater potential for short-term losses with higher potential for long-term growth",null,3]
[{"$nulls":12},"High capital growth but at the risk of short term loss",null,4]
[]
[{"$nulls":11},8,"Investment A",null,14,1]
[{"$nulls":8},"Score",{"$f":"INDEX(O65:O70,P65)","v":0},null,null,"Investment B",null,11]
[{"$nulls":12},"Investment C",null,9]
["10. What volatility (or risk) are you prepared to tolerate?",{"$nulls":11},"Investment D",null,7]
[{"$nulls":12},"Investment E",null,4]
[{"$nulls":12},"Investment F",null,0]
[]
[{"$nulls":8},"Score",{"$f":"INDEX(O72:O75,P72)","v":0},null,9,"Preserve capital",null,0,1]
[{"$nulls":12},"Generate an income stream",null,3]
["11. In the next five years, do you want to sell some of this investment portfolio to realize cash?",{"$nulls":11},"Generate income with some capital appreciation",null,5]
[{"$nulls":12},"Provide both capital appreciation and current income",null,7]
[{"$nulls":12},"Enhance capital appreciation with some current income",null,9]
[{"$nulls":12},"Provide long-term maximum growth",null,11]
[{"$nulls":8},"Score",{"$f":"INDEX(O77:O80,P77)","v":9}]
[{"$nulls":11},10,"You require positive returns each year",null,0,1]
["12. What kind of investments do you currently own, or would prefer to own?",{"$nulls":11},"You can tolerate negative returns 1 in every 7 years",null,3]
[{"$nulls":12},"You can tolerate negative returns 1 in every 5 years",null,5]
[{"$nulls":12},"You can tolerate negative returns 1 in every 3 years",null,7]
[]
[{"$nulls":8},"Score",{"$f":"INDEX(O82:O87,P82)","v":0},null,11,"No, you will not need to liquidate any portion of this portfolio within 5 years",null,9,1]
[{"$nulls":12},"Yes, between 0% and 10% of the portfolio over the next 5 years",null,6]
["13. What anual return do you want from this investment portfolio, given a time horizon of 10 years.",{"$nulls":11},"Yes, between 11% and 20% of the portfolio over the next 5 years",null,3]
[{"$nulls":12},"Yes, more than 20% of the portfolio over the next 5 years",null,0]
[]
[{"$nulls":11},12,"Mainly money market securities (e.g., cash, certificates of deposit)",null,0,1]
[{"$nulls":8},"Score",{"$f":"INDEX(O89:O93,P89)","v":0},null,null,"Mainly fixed-income securities (e.g., bonds, preferred shares)",null,1]
[{"$nulls":12},"Mainly fixed-income securities with some equity securities",null,1]
["14. Who do you normally get investment advice from? Select all that apply.",{"$nulls":11},"Slightly heavier weighting in equities than fixed-income",null,2]
[{"$nulls":12},"Mainly blue-chip equities with some fixed income",null,2]
[{"$nulls":12},"Mainly aggressive equities with some fixed income",null,3]
[]
[{"$nulls":11},13,"2% to 4%",null,0,1]
[{"$nulls":12},"4% to 6%",null,3]
[{"$nulls":8},"Score",{"$f":"SUM(P95:P102*O95:O102)","v":0},null,null,"6% to 8%",null,5]
[{"$nulls":12},"8% to 10%",null,7]
[{"$nulls":12},"More than 10%",null,9]
["15. How would you rate your current skill in managing investments?"]
[{"$nulls":11},14,"Accountant",null,0,false]
[{"$nulls":12},"Broker",null,0,false]
[{"$nulls":12},"Portfolio Manager",null,0,false]
[{"$nulls":8},"Score",{"$f":"INDEX(O104:O107,P104)","v":0},null,null,"Private Banker",null,0,false]
[{"$nulls":12},"Insurance Agent",null,0,false]
[{"$nulls":8},"Total Score",{"$f":"J14+J22+J28+J33+J38+J43+J48+J53+J59+J65+J71+J77+J83+J91+J98","v":31},null,null,"Financial Planner",null,0,false]
[{"$nulls":12},"Friends",null,0,false]
[{"$nulls":12},"Saral Gyan Capital Services",null,0,false]
[]
[{"$nulls":11},15,"Low",null,0,1]
[{"$nulls":12},"Moderate",null,1]
[{"$nulls":12},"High",null,2]
[{"$nulls":12},"Advanced",null,3]

{"sheet":"Asset Allocation Recommendation","index":1,"n_rows":62,"n_cols":16,"rows_kept":62,"merged":[[14,0,14,4]]}
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[null,null,{"$f":"B53","v":"Income"}]
{"$rows_empty":12}
["Saral Gyan Recommended Investment Split"]
["Score:",{"$f":"TEXT(B52,\"#\")&\"/100\"","v":"31/100"}]
["Recommended Style:",{"$f":"B53","v":"Income"}]
[]
[null,"Cash","Bonds","Equities"]
["Overall Asset Allocation:",{"$f":"Allocation","v":{"v":0.1,"d":"10%"}},{"v":0.65,"d":"65%"},{"v":0.25,"d":"25%"}]
[]
[null,"High-Yield","Long-term","Short to Intermediate","International"]
["Bond Allocation:",{"$f":"BondAllocation","v":{"v":0.1846153846153846,"d":"18.5%"}},{"v":0.3846153846153846,"d":"38.5%"},{"v":0.3846153846153846,"d":"38.5%"},{"v":0.04615384615384615,"d":"4.6%"}]
[]
[null,"Large Cap","Mid Cap","Small Cap","Micro Cap"]
["Stock Allocation:",{"$f":"StockAllocation","v":{"v":1,"d":"100.0%"}},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"}]
{"$rows_empty":25}
["Score",{"$f":"Score","v":31}]
["Style",{"$f":"VLOOKUP(B52,A57:F62,3)","v":"Income"}]
["Title",{"$f":"\"Your Investment Style is:\"&CHAR(13)&B53","v":"Your Investment Style is:\rIncome"}]
["Row Ref",{"$f":"VLOOKUP(B52,A57:F62,2)","v":2}]
["Score",null,"Style","Cash","Bonds","Equities",null,"High Yield","Long-term","Intermed/Short","International",null,"Large Cap","Mid Cap","Small Cap","Micro Cap"]
[0,1,"Stable",{"v":0.6,"d":"60%"},{"v":0.35,"d":"35%"},{"v":0,"d":"0%"},null,{"v":0,"d":"0%"},{"v":0,"d":"0%"},{"v":1,"d":"100%"},{"v":0,"d":"0%"},null,{"v":0,"d":"0%"},{"v":0,"d":"0%"},{"v":0,"d":"0%"},{"v":0,"d":"0%"}]
[17,2,"Income",{"v":0.1,"d":"10%"},{"v":0.65,"d":"65%"},{"v":0.25,"d":"25%"},null,{"$f":"0.12/E58","v":{"v":0.1846153846153846,"d":"18%"}},{"$f":"0.25/E58","v":{"v":0.3846153846153846,"d":"38%"}},{"$f":"0.25/E58","v":{"v":0.3846153846153846,"d":"38%"}},{"$f":"0.03/E58","v":{"v":0.04615384615384615,"d":"5%"}},null,{"v":1,"d":"100%"},{"v":0,"d":"0%"},{"v":0,"d":"0%"},{"v":0,"d":"0%"}]
[34,3,"Income with Moderate Long-term Growth",{"v":0.05,"d":"5%"},{"v":0.45,"d":"45%"},{"v":0.5,"d":"50%"},null,{"$f":"0.07/E59","v":{"v":0.15555555555555556,"d":"16%"}},{"$f":"0.2/E59","v":{"v":0.4444444444444445,"d":"44%"}},{"$f":"0.15/E59","v":{"v":0.3333333333333333,"d":"33%"}},{"$f":"0.03/E59","v":{"v":0.06666666666666667,"d":"7%"}},null,{"$f":"0.35/F59","v":{"v":0.7,"d":"70%"}},{"$f":"0.1/F59","v":{"v":0.2,"d":"20%"}},{"$f":"0.025/F59","v":{"v":0.05,"d":"5%"}},{"$f":"0.025/F59","v":{"v":0.05,"d":"5%"}}]
[50,4,"Long-Term Growth with Income",{"v":0.05,"d":"5%"},{"v":0.3,"d":"30%"},{"v":0.65,"d":"65%"},null,{"$f":"0.07/E60","v":{"v":0.23333333333333336,"d":"23%"}},{"$f":"0.15/E60","v":{"v":0.5,"d":"50%"}},{"$f":"0.05/E60","v":{"v":0.16666666666666669,"d":"17%"}},{"$f":"0.03/E60","v":{"v":0.1,"d":"10%"}},null,{"$f":"0.425/F60","v":{"v":0.6538461538461539,"d":"65%"}},{"$f":"0.14/F60","v":{"v":0.2153846153846154,"d":"22%"}},{"$f":"0.045/F60","v":{"v":0.06923076923076922,"d":"7%"}},{"$f":"0.04/F60","v":{"v":0.061538461538461535,"d":"6%"}}]
[68,5,"Long-Term Growth with Moderate Income",{"v":0.05,"d":"5%"},{"v":0.15,"d":"15%"},{"v":0.8,"d":"80%"},null,{"$f":"0.07/E61","v":{"v":0.46666666666666673,"d":"47%"}},{"$f":"0.05/E61","v":{"v":0.33333333333333337,"d":"33%"}},{"v":0,"d":"0%"},{"$f":"0.03/E61","v":{"v":0.2,"d":"20%"}},null,{"$f":"0.48/F61","v":{"v":0.6,"d":"60%"}},{"$f":"0.2/F61","v":{"v":0.25,"d":"25%"}},{"$f":"0.075/F61","v":{"v":0.09374999999999999,"d":"9%"}},{"$f":"0.045/F61","v":{"v":0.056249999999999994,"d":"6%"}}]
[85,6,"Long-Term Maximium Growth",{"v":0,"d":"0%"},{"v":0.1,"d":"10%"},{"v":0.9,"d":"90%"},null,{"$f":"0.07/E62","v":{"v":0.7000000000000001,"d":"70%"}},{"v":0,"d":"0%"},{"v":0,"d":"0%"},{"$f":"0.03/E62","v":{"v":0.3,"d":"30%"}},null,{"$f":"0.45/F62","v":{"v":0.5,"d":"50%"}},{"$f":"0.25/F62","v":{"v":0.2777777777777778,"d":"28%"}},{"$f":"0.11/F62","v":{"v":0.12222222222222222,"d":"12%"}},{"$f":"0.09/F62","v":{"v":0.09999999999999999,"d":"10%"}}]

{"sheet":"Investment Choices","index":2,"n_rows":4,"n_cols":1,"rows_kept":4}
["Look at the investment choices below and decide which you would be most comfortable with over the long-term."]
["Investment A is the riskiest, but has the highest long-term expected return, Investment F is the least risky, but has the lowest expected return."]
[]
["Click the picture to return to the questionnaire"]