Ano ang Risk Profile Questionnaire (RPQ) sa GFunds?
Ang Risk Profile Questionnaire (RPQ) ay isang required na quiz kapag nag-sign up ka para sa mga GInvest products katulad ng GCrypto, GStocks PH, at GFunds para malaman kung anong klaseng investor ka. Ito ay para malaman kung gaano ka kakumportable sa pag-take ng risks sa pag-invest ng pera at para tulungan ka sa mga desisyon mo sa GFunds.
Paalala: Kapag nagbukas ka ng GFunds account, tataas ang GCash wallet at transaction limits sa PHP500,000.
Mga Klase ng Risk Profiles
Ito ang three risk profiles na posible mong makuha:
| Risk Profile | Description |
| Conservative | Mas importante sa iyo ang safety kaysa sa high returns. Ang main goal mo ay protektahan ang pera mo, kahit na ibig sabihin nito ay less ang earnings. |
| Moderate | Okay ka sa mga ups and downs. Goal mo ang balanse ng pagprotekta sa pera mo at paglago nito over time. |
| Aggressive | Willing kang mag-take ng big risks para sa chance na makakuha ng higher returns, kahit may posibilidad na mawalan ka ng pera along the way. |
Mga Key Reminders
- Kapag natapos mo na ito, hindi mo pwedeng i-retake ang Risk Profile Questionnaire (RPQ) o baguhin ang risk profile mo sa loob ng tatlong taon unless i-require ka ng GFunds na i-retake ito.
- Guide ang risk profile mo sa pagpili ng funds. Pwede kang mag-invest sa funds na may mas mataas na risk kaysa sa profile mo, pero kailangan mong mag-confirm muna sa isang waiver prompt sa GCash app bago magpatuloy.
Ito ang mga tanong na posible mong makuha sa 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. |
|
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. |
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