Risk Assessment

YOU ARE IN PERSONAL BANKING

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.

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.

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.

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 NOTICE FOR BUSINESS I-BANKING USERS

A new change is coming

We will be introducing a new online business banking service, bringing new and improved features to enhance your experience with us. The new service will be rolled out to all customers in phases and our existing Baiduri Business i-Banking service will remain available to you, until such time you have been successfully migrated to the new service.

What you need to do now

To minimise any disruptions to the new service rollout, it is important that we have a record of the most current and valid details of all your existing Baiduri Business i-Banking user(s). This information is mandatory to allow your existing user(s) to proceed with first-time login to the new online business banking service.

Please take note that the email address and mobile number will also be used for user verification and activation. Hence it is important to provide emails and mobile numbers intended for company or business matters.

Every existing user must individually perform the steps listed below to provide the required information to us:

Login to Baiduri Business i-Banking
Click on the Inbox function on the top left corner of the screen
Click on ‘Send New Mail’
Select category option ‘Others’
Enter subject heading ‘Update My Details’
Provide your full name, IC number, mobile number and email address
Click ‘Submit’

If you have any further enquiries, please contact your Account Officer or Relationship Manager. Alternatively, you may call our 24-hour Customer Helpline at 244 9666 for assistance.

We thank you for your support and understanding.

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