Unveiling Mutual Fund Risk Profiling Secrets | Risk Profiling in Investment
Welcome to Moneyskills by Scripbox! In this episode, we explore the essential topic of risk profiling in portfolio management with expert insights from Meyyappan, Senior Vice President of Advisory at Scripbox, and Nirav Jagani, AVP Advisory at Scripbox.
Join us as we unravel what risk profiling is and why it's critical for achieving investment success. Discover how to accurately create your own risk profile, understand the key factors that influence your ability and willingness to take risks, and learn about common misconceptions and best practices in the field. We’ll also discuss how risk profiles evolve over time, the importance of periodic reviews, and strategies for managing risk during retirement.
Don’t miss this comprehensive discussion on mastering risk management for your investments. If you find this episode helpful, please like, share, and subscribe for more expert advice on financial planning and investment strategies!
Timestamps:
00:00 - Podcast Intro
00:40 - Introduction
01:15 - Can you explain what is meant by Risk profiling in Portfolio management?
01:49 - So, why is risk profiling so important in portfolio management?
02:56 - What happens if an investor's risk profile isn’t accurately conveyed or understood?
03:41 - So, how do you go about creating a risk profile for an investor?
05:58 - Do the factors affecting an investor’s risk profile change in course of time? How often should you do a risk profile?
06:55 - What will happen if your Ability and Willingness are at different levels?
08:54 - Risk profiling is done at what level?
09:38 - In the case of corporations or such other entities , how do you do risk profile?
11:03 - Can you have a different risk profile than what comes out as a result of the risk profile questionnaire?
12:59 - What is the advice to investors while attempting a Risk Profile questionnaire?
13:48 - What is the output of the Risk profile?
14:44 - What are the common misconceptions of risk profile?
19:30 - Do you strictly follow the risk profiling output?
18:38 - Can I have a high-risk product in a portfolio when my risk profile is medium or low?
19:49 - How does the Risk O Meter given in mutual fund fact sheets get used?
21:12 - How about Risk Profiling once you Retire?
23:36 - What are your favourite questions in the Risk profiling questionnaire?
25:28 - Conclusion
Meyyappan M
He is a Chartered Accountant, with 10+ years of experience in client relations and wealth management. I specialize in Investment advisory, Financial planning, Taxation and Estate planning.
Connect with Meyyappan M on LinkedIn: / meyyappan-m-32797a18
Nirav Jagani
Nirav Jagani brings over a decade of experience in wealth management, specializing in navigating the complexities of Indian and international tax laws for high-net-worth (HNW) and ultra-high-net-worth (UHNW) individuals. His expertise assists families in managing wealth across multiple tax jurisdictions, ensuring compliance while optimizing strategies for long-term capital growth.
Connect with Nirav on LinkedIn: / nirav-jagani-45990b80
Disclaimer: Mutual Fund investments are subject to market risks. Please read all scheme related documents carefully before investing. Past performance is not an indicator of future returns.
About Scripbox:
Scripbox, led by Atul Shinghal, Founder and CEO, and Sanjiv Singhal, Founder and Chief Product Officer, is a digital wealth management service.
Founded in 2012, Scripbox is a pioneer in the digital financial services space and is recognised for creating simple and elegant user experiences in a complex domain. Scripbox uses proprietary algorithms to deliver a holistic view of investments, as well as personalised recommendations for better outcomes.
Scripbox has been recognised as the 2nd most influential financial services brand globally by LinkedIn and has received the Financial Express’ Best Bank Award.
Quick facts:
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