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These questions will help determine your attitude towards risk and investing. Select the most appropriate answer for each question.
Earning the highest possible return is first priority, even if it requires running some risk to do so.
I prefer an investment strategy designed to grow steadily and avoid sharp ups and downs, even it lowers the long-term returns.
Short-term losses are acceptable if I have confidence that the long-term returns will be good.
Protecting the principle is a higher priority for me than making it grow.
If I inherited a large sum of money, I would put it in the bank deposit account rather than invest it in stocks.
For the right opportunity, I would quit my job and start my own business.
I do not think that I will need to spend any of my principle before the end of my planning horizon.
I have an excess of cash, TAP and other liquid reserves, compared to my investment portfolio.
Apart from this investment, I expect my earnings to increase over the next five years.
I have a very adequate emergency fund that would cover most emergencies.

Your Result

Your Rating


Your Risk Profile


Risk Profile Types

0 - 29
A Conservative investor who is most concerned with keeping what they have and they really don't like risk. As a result, he/she is prepared to accept lower returns to reduce the risk of losing capital.
30 - 40
A Moderate investor is an investor who is prepared to experience short term fluctuations in performance for potentially higher returns over the long term, and seek a balanced portfolio to achieve medium to long term financial goals.
41 or more
An Aggressive investor is an investor who acknowledges that there will be short term fluctuations in performance and are comfortable to invest in high risk investments. He/she is prepared to compromise portfolio balance to pursue potential long term gains.
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Important update
19 September 2023

We would like to inform you that with effect from 31 October 2023, Business i-Banking service will no longer be operational, and this will be replaced with our new Baiduri b.Digital Business service.

If your company has not transitioned to b.Digital Business, please ensure that every existing user provides the following by 8 October 2023 through the Business i-Banking Inbox:
  • User’s full name
  • User’s valid Identification Card (IC) or Passport
  • User’s mobile number
  • User's company assigned email address (General company email is not accepted e.g., [email protected])

Alternatively, you can complete the b.Digital Business Amendment Form and submit the form(s) directly to Baiduri Digital Hub, Ground Level, Baiduri Bank Headquarters.

Every user will receive a notification email at their registered email address, once they have been migrated and activated on the b.Digital Business service.

Companies who have not moved to b.Digital Business after 31 October 2023 can re-apply as a new subscriber to the b.Digital Business service. This will require additional documentations to be submitted as part of the application. Refer “Required Documents” here.

Important notice: Our Business i-Banking service will be deactivated soon. To ensure continued access and a smooth transition to the new Baiduri b.Digital Business, please provide your full name, IC, email address and mobile number via Business i-Banking Inbox. If we do not receive updated details from all authorised users, your company will not be migrated to the new platform and a fresh application will be required. For assistance, contact us at [email protected] or call 2268 637/8/9 during business hours. Thank you for your cooperation.

To strengthen our online security measures, effective 8 January 2024, we will introduce the cooling period feature on our Baiduri b.Digital Personal web and mobile app to prevent unauthorised access.

Click here for more information.

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