Sample Investor Profile by ayj20360

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									                                      INVESTOR RISK PROFILER AND FUND SELECTION
              This form has been designed to assist you in ascertaining your tolerance to risk. By working through the questions with your relationship
              manager you will be able to determine your appetite for risk. This form should only be used as a tool to help you make the right
              investment choice. You should not rely entirely on the results achieved when using this form.

              Investors may also find that they have different risk and return appetites for differing investment goals and where this could be the case it
              may be helpful to complete the Investor Financial Assessment Form for each of your investment goals.

              Risk Profile
              For how many years have you invested in investment products other than banks savings/deposit accounts?
                     A. 2-5 years

              How do you consider your investment knowledge level?
                     A. Low: I have/had previous and current experience with bank deposits and savings accounts, fixed term deposits

              What do you consider to the length of your investment time horizon?
                     A. 3-5 years

              What levels of financial loss could you tolerate over the short term? (1 year)
                      A. None

              How would you react if return on your investment were negative or below your expectations?
                    A. I would wait until my investment recovered

              How would you generally categorise your investment risk outlook?
                    A. I can accept reasonable levels of risk on my capital as well as my returns

              Liquidity Profile
              How would you anticipate your income changing over the next few years?
                      A. Steadily grow

              How would you describe your financial cushion you have available in order to meet unexpected needs or emergencies?
                    A. Borderline. I have modest amount of cash readily available, but I may need to dip into my investments in an emergency

              How much regular income, if any, do you require during the investment period from your investments?
                    A. Maximum flexible

              Of your current income, what percentage is used to cover your cash obligations such as loans, mortgages, advances and living expenses?
                      A. Less than 25%

              Investment Options
                        Select the type of investment choices to show
                     A. Islamic funds (shari'a compliant)



                       Client Name:


                      RM Signature:

                         RM Name:                                                                            Date:




Page 1 of 4                                                                                                                                                   10/17/2011
                                                           RISK ASSESSMENT OUTPUT AND FUND RECOMMENDATION
                                                           Risk Profiling Score                51
                                                           Liquidity Score                     41
                                                           Risk Assessment category             2

                                                                                              Risk Profiling Score and Liquidity Score
                                                                                                              Your Profile
                                          120

                                          100                    4
              Growth/ Risk Appetite (R)




                                          80
                                                                                                 3
                                          60

                                          40                                                                                             2

                                          20
                                                                                                                                                                         1
                                            0
                                                0                               25                                    50                                  75                         100
                                                                                                             Liquidity Needs (L)



                                                This assessment is simply a guide based on information provided and does not take into account your full personal circumstances.
                                                An outline of the Core Selection funds is shown on Page 4. This provides details on the funds investment strategy.

                                                Core Selection                         Satellite Selection - one risk down                   Satellite Selection - one risk up
                                                None                                   MENA Islamic Money Market                             Global Sukuk Fund
                                                                                                                                             Emirates Islamic Global Balanced
                                                                                                                                             Emirates Real Estate Fund (Suspended)
                                                                                                                                             Crescent Global Equity
                                                                                                                                             Emirates Islamic Global Property Fund
                                                                                                                                             Emirates MENA Opportunities
                                                                                                                                             Emirates Islamic Equity Trading Fund




Page 2 of 4                                                                                                                                                                                10/17/2011
                                                                             SAMPLE PORTFOLIO
              Below is an illustration of a portfolio suitable for your risk profile. This portfolio has been built considering the answers to the risk assessment you
              provided on page 1. This page must be read in conjunction with your risk assessment.

                                                                                     Islamic Model 2. liquidity score <50
              Portfolio composition
                                                                                                                                                  Emirates Islamic Global Balanced
                            Holding   Name                                    Allocation
                                                                                                                                                  Emirates MENA Opportunities
                                  1   Emirates Islamic Global Balanced           30.0%
                                  2   Emirates MENA Opportunities                25.0%                                                            Emirates Islamic Alternative Strategies
                                  3   Emirates Islamic Alternative Strategies    25.0%
                                                                                                                                                  Crescent Global Equity
                                  4   Crescent Global Equity                     15.0%
                                  5   MENA Islamic Money Market                  5.0%                                                             MENA Islamic Money Market




              Performance snapshot

                                                                Portfolio Currency    6 Month      1 Year      3 Year
                          Sample Portfolio                              USD               N.A.        N.A.        N.A.            Performance illustrative only. Data to 28/02/2010.
                                                                                                                                  Performance based in currency shown in Sample
                                                                                      6 Month      1 Year      3 Year             Portfolio row.
                          Emirates Islamic Global Balanced                              -1.24%       8.15%     -10.09%            Past performance is not indication of the future.
                          Crescent Global Equity                                         4.89%      45.87%     -17.11%            Proforma performance used where no long term
                          Emirates MENA Opportunities                                   -3.74%      21.27%     -13.51%            history. Contact Emirates NBD Asset Management
                          Emirates Islamic Alternative Strategies                        2.72%      10.82%      -5.60%            for more information.
                          MENA Islamic Money Market                                      0.14%       0.63%       9.20%




              Sample Portfolio Asset Allocation Information

                                      Country                                                    Asset Class                                                      Fund Currency

                                                                                                     0%
                                         0%
                                     6% 2%                                                                                   3%                              0%
                                6%                 Other                                                                                                                   UK Sterling
                                                   emerging                                            9%      Cash
                                                   market                                                                                                10%
                                                                                             30%
                                 6%                                                                          16%
                                                                                                               Fixed Income
                                                 42%                                                                                              15%                      US Dollar
                                8%                 Globally                                                                                  0%
                                                   Diverse
                                                                                                               Property                      0%
                                                   Hedge
                                                   Strategies                                                                                                              Euro
                                      30%                                                                                                                           75%
                                                   United Arab                                       42%       Equity
                                                   Emirates
                                                                                                                                                                           Emerging
                                                                                                               Alternative
                                                                                                                                                                           Currency
                                                                                                               Strategies
                                                   Europe                                                      Commodities
                                                   Developed                                                                                                               Developed
                                                                                                                                                                           Currency


                                                   Europe
                                                   Developed




                              41.6%   Other emerging market                               8.8%   Cash                                              0.0%    UK Sterling
                              29.8%   Globally Diverse Hedge Strategies                  16.3%   Fixed Income                                     75.1%    US Dollar
                               7.7%   United Arab Emirates                                3.5%   Property                                          0.0%    Euro
                               6.5%   Europe Developed                                   41.6%   Equity                                            0.0%    Emerging Currency
                               6.5%   Europe Developed                                   29.8%   Alternative Strategies                           15.0%    Developed Currency
                               6.3%   Global Bond                                         0.0%   Commodities                                       9.9%    Arab Emirates Dirham
                               1.5%   Japan
                               0.4%   Other




Page 3 of 4                                                                                                                                                                                 10/17/2011
                                                                          CORE FUND HOLDINGS OUTLINE
              Below is a summary on each fund that has been selected based on the Risk Assessment Profile.

                            Fund           Objective
              None




              The information and opinions expressed herein are made in good faith and are based on sources believed to be reliable but no representation or warranty, express or implied, is made as to
              their accuracy, completeness or correctness. These opinions are not intended to serve as authoritative investment advice and should not be used in substitution for the exercise of own
              judgement. This information, including any expression of opinion, has been obtained from or is based upon sources believed to be reliable, and is believed to be fair and not misleading. Any
              opinion or estimate contained in this presentation is subject to change without notice. Neither Emirates NBD Group nor any of its directors or employees give any representation or warranty
              as to the reliability, accuracy or completeness of the information, nor do they accept any responsibility arising in any way (including by negligence) for errors in, or omissions from the
              information. For further details of the investment products available from the Emirates NBD Group please contact your local Emirates NBD/Emirates Islamic Bank Branch. This document is
              provided for information and illustration purposes only. It does not constitute a solicitation, recommendation or offer to buy or sell any specific investment product or subscribe to any specific
              investment management or advisory service. Prospective investors in a Fund must obtain and carefully read the Fund’s most re           cent Private Placement Memorandum and Supplement as
              well as seek separate, independent financial advice if required prior to making an investment in the Fund to assess the suita    bility, lawfulness and risks involved.

              This information is not for distribution to the general public but for intended recipients only and may not be published, circulated, reproduced or distributed in whole or part to any other
              person without the written consent of Emirates NBD Asset Management Ltd (“Emirates NBD AM”). Where this presentation relates to a Fund or an investment product licensed to be
              marketed, it is directed to persons authorized to invest in the Fund / investment product as applicable, and residing in jurisdictions where the Fund / investment product is authorized for
                                                                                                                                              s
              distribution or where no such authorization is required. The Fund / investment product is intended for sophisticated investor only who understand the risks involved in investing in the Fund /
              investment product and can withstand any potential loss there from. The Fund / investment product may not be guaranteed and h          istorical performances are not indicative of the future or
              likely performance and should not be construed as being indicative of or otherwise used as a proxy for the future or likely p   erformance of the funds / investment products. The value of the
              investment and the income from it can fall as well as rise as the Funds / investment products are subject to investment risks, including the possible loss of the principal amount invested. The
              information contained herein does not have any regard to the specific investment objectives, financial situation or the particular needs of any person.

              Emirates Islamic Bank (“EIB”) is acting as a distributor only of the funds and EIB shall assume no responsibility for losseswhich an investor may suffer as a result of investing
              in the funds and all fund related issues would remain the responsibility of the appointed managers of the specific fund.




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