Complete a risk profile

What kind of investor are you?

Complete a risk profile

What kind of investor are you?

Each investor is unique and has different needs. Some will opt for more risk and the chance of a higher return, while others prefer to play it safe and are satisfied with a more modest return.
A risk profile, or investment profile, indicates the type of investor you are.

Follow these easy steps

Why a risk profile is necessary.

With every investment advice we give you, we prioritize your interest. That’s why we need to know your risk profile or investment profile. A risk profile makes it easier to take decisions about your investments, which ultimately gives you more peace of mind.
Your risk profile is a snapshot in time, whereas your personal situation and knowledge of investments are likely to change continuously over time. We ask for an update at least every four years.
If you now find that some of the information you entered is no longer correct, please notify us. Or you can update your risk profile yourself.

You benefit from regularly updating your risk profile. This way you will be assured of customized investment advice.

How your risk profile is determined.

You have to answer a number of questions about:

  • your financial situation
  • your general knowledge of and experience with investments
  • your investment objectives
  • your attitude to risk

We will use your answers to work out your personal risk profile.

There are four types of investment profile.

Highly defensive
If you are a highly defensive investor, you invest primarily in products that can be quickly redeemed. That keeps the risk down. You therefore have a short investment horizon and can generate additional return by investing in interest-bearing products. The portion of your portfolio that is invested in shares is best populated with investments offering capital protection. The focus is thus on safety.

Defensive
If you are a defensive investor, you place the emphasis on safety. You are willing to take more risks than a highly defensive investor, and are able to tie up some of your assets for a longer period (between three and five years). You opt mainly for interest-bearing investments. The weighting of your share investments will be on the modest side, and the shares in which you invest will preferably offer capital protection. Effective diversification remains important.

Dynamic
If you are a dynamic investor, you target a potentially higher return by allocating your investments near enough evenly between shares and interest-bearing products. Under normal market conditions, that is reflected in a good balance between risk and return. However, you are also aware that prices can fall. Therefore, trying to achieve a higher return entails taking on additional risk. Dynamic investors can do without some of their assets for a longer period (five to seven years).

Highly dynamic
If you are a highly dynamic investor, your bias is for investing in shares. Your primary objective is to generate a high return. You’re not put off by big fluctuations in the value of your investments. You invest only a small proportion of your assets in investments offering capital protection or in interest-bearing products. The heavy weighting of shares in your portfolio offers you the chance of higher returns, but also entails greater risks. Effective diversification is important at all times.

What type of investment profile do you have at the moment?

Complete the questionnaire in KBC Touch and find out in a few minutes whether or not your investment profile is up to date. 

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