Top of main content
A young woman is preparing to invest; image used for investment risk tolerance page.

Investment risk tolerance

Understand your investment risk tolerance to build investment strategies!

The first step for investment is to understand risk tolerance

The concept of making investments is similar to seeing movies that we pick the ones with ratings suitable for us.

As all investment products have their own risk rating(s), before making investment, it is important to comprehensively understand our own risk tolerance and suitable investment types for finding out the best investment portfolio while enjoying the opportunities of wealth accumulation.

How do I know my risk tolerance?

Let’s log on online banking for assessing risk tolerance!

If you have not registered online banking yet, you could register now for assessing risk tolerance!

Assess risk tolerance to find out the best investment portfolio

Three people raising empty paper bubble; image used for investment risk tolerance page.
 

Decide to take suitable investment strategies, such as Secure, Balanced or Speculative approach, based on risk tolerance result.

A orange paper boat followed by five white paper boats; image used for investment risk tolerance page.
 

Set clear investment goal(s) after understanding risk tolerance.

How to determine my risk tolerance

  • Risk Profiling Questionnaire (RPQ) makes you understand your risk tolerance

Risk Profiling Questionnaire (RPQ) makes you understand your risk tolerance. When you have investment need(s), you need to understand your risk tolerance first. For example, do you prefer to take Secure, Balance or Speculative investment strategy?

Through Risk Profiling Questionnaire (RPQ), we can comprehensively understand investment preference and plan suitable investment portfolio. Let’s log on online banking to assess Risk Profiling Questionnaire (RPQ)!

  • Log on online banking to understand risk tolerance

Let’s complete Risk Profiling Questionnaire (RPQ) assessment in 3 simple steps!

Step 1 Log on online banking

Log on online banking; image used for investment risk tolerance page.

Understand the investment type suitable for you

  • After Understanding your Investment type, setting clear investment goal(s)

After understanding your risk tolerance and investment type, your next step is to set clear investment goal(s) and to find suitable investment product type(s) without getting lost in the market.

Customer Risk Tolerance and Investment Products Comparison Table
Customer Risk Tolerance Deposit or Term Deposit Investment-linked Insurance Unit Trusts (UT) Offshore Bonds Exchange Traded Funds (ETF) Structured Products Foreign Stock Risk Tolerance Description
Secure  
 
          -    Do not want to take any investment risk nor loss.
-    Be suitable to products that are likely to produce returns that are based on prevailing interest rates/profit rates.
Very Cautious               -    Be generally comfortable with achieving minimal level of return potential coupled with minimal risks.
-    Be suitable to products with minimal fluctuation in normal market conditions.
Cautious               -    Be generally comfortable with achieving a low level of return potential coupled with a low level of risk.
-    Be suitable to products with low fluctuation in normal market conditions.
Balanced               -    Be generally comfortable with achieving a moderate level of return potential coupled with a moderate level of risk.
-    Be suitable to products with moderate fluctuation in normal market conditions.
Adventurous               -    Be comfortable with achieving a high level of return potential coupled with high level of risk.
-    Be suitable to products with quite significant and substantial fluctuation in normal market conditions
Speculative               -    Be generally comfortable with maximizing return potential coupled with maximized risk.
-    Be suitable to products
Customer Risk Tolerance and Investment Products Comparison Table
Customer Risk Tolerance Secure
Deposit or Term Deposit  
Investment-linked Insurance  
Unit Trusts (UT)  
Offshore Bonds  
Exchange Traded Funds (ETF)  
Structured Products  
Foreign Stock  
Risk Tolerance Description -    Do not want to take any investment risk nor loss.
-    Be suitable to products that are likely to produce returns that are based on prevailing interest rates/profit rates.
Customer Risk Tolerance Very Cautious
Deposit or Term Deposit  
Investment-linked Insurance  
Unit Trusts (UT)  
Offshore Bonds  
Exchange Traded Funds (ETF)  
Structured Products  
Foreign Stock  
Risk Tolerance Description -    Be generally comfortable with achieving minimal level of return potential coupled with minimal risks.
-    Be suitable to products with minimal fluctuation in normal market conditions.
Customer Risk Tolerance Cautious
Deposit or Term Deposit  
Investment-linked Insurance  
Unit Trusts (UT)  
Offshore Bonds  
Exchange Traded Funds (ETF)  
Structured Products  
Foreign Stock  
Risk Tolerance Description -    Be generally comfortable with achieving a low level of return potential coupled with a low level of risk.
-    Be suitable to products with low fluctuation in normal market conditions.
Customer Risk Tolerance Balanced
Deposit or Term Deposit  
Investment-linked Insurance  
Unit Trusts (UT)  
Offshore Bonds  
Exchange Traded Funds (ETF)  
Structured Products  
Foreign Stock  
Risk Tolerance Description -    Be generally comfortable with achieving a moderate level of return potential coupled with a moderate level of risk.
-    Be suitable to products with moderate fluctuation in normal market conditions.
Customer Risk Tolerance Adventurous
Deposit or Term Deposit  
Investment-linked Insurance  
Unit Trusts (UT)  
Offshore Bonds  
Exchange Traded Funds (ETF)  
Structured Products  
Foreign Stock  
Risk Tolerance Description -    Be comfortable with achieving a high level of return potential coupled with high level of risk.
-    Be suitable to products with quite significant and substantial fluctuation in normal market conditions
Customer Risk Tolerance Speculative
Deposit or Term Deposit  
Investment-linked Insurance  
Unit Trusts (UT)  
Offshore Bonds  
Exchange Traded Funds (ETF)  
Structured Products  
Foreign Stock  
Risk Tolerance Description -    Be generally comfortable with maximizing return potential coupled with maximized risk.
-    Be suitable to products

Please be minded that this table is only for reference. As each product type may cover a range of different risk ratings, the bank will only provide a range of products suitable to customers’ risk tolerance. In addition, the table above does not consider products for Professional Investors (PI).

You might be interested in

A woman is reviewing her financial portfolio with her financial advisor; image used for unit trust.
 

Make your investment more diversified to your portfolio. With HSBC, you can choose from a wide range of funds to match your attitude to risk and investment goals. 

Wall Street sign with American flag in the background; image used for HSBC Foreign Stock.
 

Become a shareholder of major companies across various sectors to receive dividends, enjoy the growth, or gain returns from trading volatility.

 A young woman is exploring overseas; image used for Exchange Traded Funds (ETF).
 

Allocate your wealth to a batch of securities in one transaction to enable the grasp of growth opportunities in a specific market or industry while diversifying your investment portfolio.

A woman is enjoying the harbour view; image used for Offshore bonds.
 

Make steady and consistent source of income/coupons and allocate your wealth in a comparatively stable asset for the opportunity to diversify investment risk.

A young woman in sunflower fields; image used for dual currency investments.
 

Target a variety of real time quotation in foreign currencies to attain your personal goal in wealth management.

A father enjoys playtime with his child; image used for structured deposits.
 

Capture opportunities from market with tailor-made product features to match your financial aspiration. 

Log on online banking or visit a branch to understand investment risk tolerance

  • Existing customer ?
    If you already invest with HSBC, just log on to browse, buy and sell funds.
  • Not yet a customer?
    If you have not applied for online banking, you can also register online and get the fund subscription discount.
Listening to what you have to say about services matters to us. It's easy to share your ideas, stay informed and join the conversation.