Suggested Risk Categories

(For Training Purposes Only)

AGE : Below 40
Education Level 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 Knowledge Experience 1 1 1 1 1 2 2 2 2 2 3 3 3 3 3 4 4 4 4 4 Investment Objective 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 Proposed Risk Category 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 Education Level 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 Knowledge Experience 1 1 1 1 1 2 2 2 2 2 3 3 3 3 3 4 4 4 4 4 Investment Objective 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 Proposed Risk Category 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 Education Level 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 Knowledge Experience 1 1 1 1 1 2 2 2 2 2 3 3 3 3 3 4 4 4 4 4 Investment Objective 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 Proposed Risk Category 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 4 Education Level 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 Knowledge Experience 1 1 1 1 1 2 2 2 2 2 3 3 3 3 3 4 4 4 4 4 Investment Objective 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 Proposed Risk Category 1 2 3 4 5 1 2 3 4 5 1 2 3 4 4 1 2 3 3 3 Education Level 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 Knowledge Experience 1 1 1 1 1 2 2 2 2 2 3 3 3 3 3 4 4 4 4 4 Investment Objective 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 Proposed Risk Category 1 2 3 4 5 1 2 3 4 4 1 2 3 3 3 1 2 2 2 2

N I A R T R FO
AGE : 40 to below 50
Education Level 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 Knowledge Experience 1 1 1 1 1 2 2 2 2 2 3 3 3 3 3 4 4 4 4 4 Investment Objective 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 Proposed Risk Category 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 4 Education Level 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 Knowledge Experience 1 1 1 1 1 2 2 2 2 2 3 3 3 3 3 4 4 4 4 4 Investment Objective 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5

O P R U P ING
Proposed Risk Category 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 4 Education Level 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 Knowledge Experience 1 1 1 1 1 2 2 2 2 2 3 3 3 3 3 4 4 4 4 4 Investment Objective 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 Proposed Risk Category 1 2 3 4 5 1 2 3 4 5 1 2 3 4 4 1 2 3 3 4 Education Level 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 Knowledge Experience 1 1 1 1 1 2 2 2 2 2 3 3 3 3 3 4 4 4 4 4

Y L N O S E S Y L N O S E S
1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 3 4 1 2 3 3 3 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 1 1 1 1 1 2 2 2 2 2 3 3 3 3 3 4 4 4 4 4 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 4 1 2 3 4 4 1 2 3 3 3 1 2 2 2 2 Investment Objective Proposed Risk Category Education Level Knowledge Experience Investment Objective Proposed Risk Category

N I A R T R FO

O P R U P G IN

Suggested Risk Categories

(For Training Purposes Only)
AGE : 50 to below 60
Education Level 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 Knowledge Experience 1 1 1 1 1 2 2 2 2 2 3 3 3 3 3 4 4 4 4 4 Investment Objective 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 Proposed Risk Category 1 2 3 4 5 1 2 3 4 5 1 2 3 4 4 1 2 3 4 4 Education Level 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 Knowledge Experience 1 1 1 1 1 2 2 2 2 2 3 3 3 3 3 4 4 4 4 4 Investment Objective 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 Proposed Risk Category 1 2 3 4 5 1 2 3 4 5 1 2 3 4 4 1 2 3 4 4 Education Level 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 Knowledge Experience 1 1 1 1 1 2 2 2 2 2 3 3 3 3 3 4 4 4 4 4 Investment Objective 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 Proposed Risk Category 1 2 3 4 4 1 2 3 4 4 1 2 3 4 4 1 2 3 3 3 Education Level 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 Knowledge Experience 1 1 1 1 1 2 2 2 2 2 3 3 3 3 3 4 4 4 4 4 Investment Objective 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 Proposed Risk Category 1 2 3 4 4 1 2 3 4 4 1 2 3 3 3 1 2 3 3 3 Education Level 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 Knowledge Experience 1 1 1 1 1 2 2 2 2 2 3 3 3 3 3 4 4 4 4 4 Investment Objective 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 Proposed Risk Category 1 2 3 3 3 1 2 3 3 3 1 2 2 2 2 1 2 2 2 2

N I A R T R FO
AGE : 60 to below 70
Education Level 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 Knowledge Experience 1 1 1 1 1 2 2 2 2 2 3 3 3 3 3 4 4 4 4 4 Investment Objective 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 Proposed Risk Category 1 2 3 4 4 1 2 3 4 4 1 2 3 3 3 1 2 3 3 3 Education Level 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 Knowledge Experience 1 1 1 1 1 2 2 2 2 2 3 3 3 3 3 4 4 4 4 4 Investment Objective 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5

O P R U P ING
Proposed Risk Category 1 2 3 4 4 1 2 3 4 4 1 2 3 3 3 1 2 3 3 3 Education Level 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 Knowledge Experience 1 1 1 1 1 2 2 2 2 2 3 3 3 3 3 4 4 4 4 4 Investment Objective 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 Proposed Risk Category 1 2 3 3 3 1 2 3 3 3 1 2 3 3 3 1 2 3 3 3 Education Level 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 Knowledge Experience 1 1 1 1 1 2 2 2 2 2 3 3 3 3 3 4 4 4 4 4

Y L N O S E S Y L N O S E S
1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 3 3 1 2 3 3 3 1 2 3 3 3 1 2 2 2 2 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 1 1 1 1 1 2 2 2 2 2 3 3 3 3 3 4 4 4 4 4 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 2 2 2 1 2 2 2 2 1 2 2 2 2 1 1 1 1 1 Investment Objective Proposed Risk Category Education Level Knowledge Experience Investment Objective Proposed Risk Category

N I A R T R FO

O P R U P G IN

Suggested Risk Categories

(For Training Purposes Only)
AGE : 70 & above
Education Level 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 Knowledge Experience 1 1 1 1 1 2 2 2 2 2 3 3 3 3 3 4 4 4 4 4 Investment Objective 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 Proposed Risk Category 1 2 3 3 3 1 2 3 3 3 1 2 2 2 2 1 2 2 2 2 Education Level 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 Knowledge Experience 1 1 1 1 1 2 2 2 2 2 3 3 3 3 3 4 4 4 4 4 Investment Objective 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 Proposed Risk Category 1 2 3 3 3 1 2 3 3 3 1 2 2 2 2 1 2 2 2 2 Education Level 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 Knowledge Experience 1 1 1 1 1 2 2 2 2 2 3 3 3 3 3 4 4 4 4 4 Investment Objective 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 Proposed Risk Category 1 2 2 2 2 1 2 2 2 2 1 2 2 2 2 1 2 2 2 2 Education Level 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 Knowledge Experience 1 1 1 1 1 2 2 2 2 2 3 3 3 3 3 4 4 4 4 4 Investment Objective 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 Proposed Risk Category 1 2 2 2 2 1 2 2 2 2 1 2 2 2 2 1 1 1 1 1 Education Level 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 Knowledge Experience 1 1 1 1 1 2 2 2 2 2 3 3 3 3 3 4 4 4 4 4 Investment Objective 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 Proposed Risk Category

N I A R T R FO

O P R U P ING

Y L N O S E S

1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1

Legend: Education Level 1 Professional finance-related qualifications such as Chartered/Certified Accountant, Chartered Financial Analyst or Chartered/Certified/Registered Financial Planner 2 CMSRL holder / Registered UTC / Registered PRS Consultant 3 Diploma / University graduate 4 Secondary 5 Primary & below Knowledge & Experience 1 More than 3 years experience dealing/investing in equity-linked products and foreign currency-linked products 2 More than 3 years experience dealing/investing in equity-linked products 3 Some experience dealing/investing in equity-linked products 4 No experience dealing/investing in equity-linked products