What is the Risk Profile Questionnaire (RPQ) in GBonds?

The Risk Profile Questionnaire (RPQ) is a short assessment required for signing up for GInvest products such as GCrypto, GStocks PH, GFunds, and GBonds. It helps determine what type of investor you are by checking how comfortable you are with taking investment risks.  Your results will guide your investment decisions, especially for products like GBonds.


Before you can invest in GBonds, you need to take the Risk Profile Questionnaire. It ensures that you understand the risks involved and helps you make better investment decisions based on your financial goals and risk acceptance level.
 

Here are the questions you will encounter in the Risk Profile Questionnaire:

Question

Definition

What is your net worth? (approximate)

 Your net worth is the total value of your assets (savings account, checking account, investments, etc.) minus your total debts (mortgage payments, car loans, etc.).

What is the source of your funds?

 Your source of funds is where your money for investing will come from. If the source of your funds is not stated, kindly specify under the “Others” checkbox.

What is the purpose of your investment?

The purpose of your investment is the reason why you want to invest. Here are the options available and what they mean.

  • To prevent capital loss while generating income, - if you want to protect the value of your money from inflation.
  • To have a regular income source - if you want to regularly earn from investing.
  • To generate significant capital appreciation - If you want to see your money grow over time.

How much do you see yourself investing?

 The amount of money you plan to invest or are comfortable with investing

How frequently do you see yourself investing?

 Investing is not recommended as a one-time payment only. It is always best to grow your wealth by investing regularly.

Investment horizon. 

You are investing for a period of...

 Investment horizon is the amount of time you’ll be keeping your investment in your GFunds account before you convert it to cash.

Risk Scenario: 

How much of a drop/loss in the value of your investment can you accept?

 A risk scenario at 0% is considered very low risk, whereas more than 15% is high risk. Anything in between is considered moderate risk.

Your investment principle

 Your investment principle will determine the amount of risk you are willing to take for a certain amount of return.

How knowledgeable are you as an investor?

 The level of information you have on the act of investing

Which of the following have you invested in?
  • Cash and deposit products (e.g. time deposit, SDA)
  • Government securities or corporate fixed-income securities (e.g. T-bills, Retail Treasury Bonds, corporate bonds, commercial papers)
  • Stocks
  • Mutual funds or UITFs
  • Insurance products (including variable unit linked products and pre-need)
  • Offshore funds (including ETFs, REITs)
  • Structured financial products
  • Commodities
  • Real estate

Do you have a regular liquidity requirement?

 

 You have a regular liquidity requirement if you will get cash from your investment regularly.

 

Need more Help?

For other inquiries or concerns, check out the following articles:

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