What is the Risk Profile Questionnaire (RPQ) in GFunds?
The Risk Profile Questionnaire (RPQ) is a quiz required for signing up for GInvest products such as GCrypto, GStocks PH, and GFunds that helps you figure out what type of investor you are. It checks how comfortable you are with taking risks when investing your money and helps guide your decisions in GFunds.
Note: Opening and maintaining any GFunds account will qualify you for a GCash wallet and transaction limit increase to PHP500,000.
Before you can invest in GFunds, you need to take the Risk Profile Questionnaire. It ensures that you understand the risks involved and helps you make better investment choices based on your financial goals and risk acceptance level.
Types of Risk Profiles
Here are the three risk profiles you might receive:
| Risk Profile | Description |
| Conservative | You prefer safety over high returns. Your main goal is to protect your money, even if it means earning less. |
| Moderate | You’re okay with some ups and downs. You aim for a balance between protecting your money and growing it over time. |
| Aggressive | You’re willing to take big risks for the chance of higher returns, knowing that you could lose money along the way. |
Key Reminders
- Once completed, you cannot retake the Risk Profile Questionnaire (RPQ) or change your risk profile for three years unless GFunds require you to retake it.
- Your risk profile is a guide when selecting funds. You can still invest in funds with a higher risk than your profile, but you must confirm a waiver prompt on the GCash app before proceeding.
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.
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| 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. |
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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. |
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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? |
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Do you have a regular liquidity requirement?
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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: