There are numerous features at work in determining what the right investment mix is for you. Through our investment tool "Dr. Fund", you can understand your risk profile more. Please write down your scores on a piece of paper. Add up the total scores and refer to interpretation in "Results of Dr. Fund".

WHAT KIND OF AN INVESTOR ARE YOU?
	Choices
I. Life Cycle	1	2	3	4	5
A. Your Age	30 or below		31 to 50		51 or above
B. Marital Status		Single or divorced			Married
C. Number of Dependents      (including the children      below the age of 25)	None	One	Two	Three	More than three
D. The Age of your      youngest child	No children or age over 25	18 - 24	12 - 17	6 - 11	5 or below
II. Time Scale	1	2	2	4	5
E. You expect to retire in:	Over 15 years	11 - 15 years	6 - 10 years	3 - 5 years	3 years' time
F. On your expected      retirement date, how      confident are you on      having sufficient money      to maintain your living      standards?	Extremely confident	Very confident	With confidence	Slightly confident	Not confident
III. Risk / Return Assessment	1	2	3	4	5
G. Which of the following      best reflects your attitude      toward investment?	I don't keep a watch on how my investments are performing	Fluctuations do not bother me as long as I am compensated	I can take the risk as long as it doesn't erode my investment principal	I would have trouble sleeping at night knowing that the value of my investment may go down	I look up share and fund prices everyday
H. Which of the following      best describes your      investment capability?	I am a highly competent investor		I am a competent investor and i would rather seek minimal professional advice		I do not have capabilities and knowledge in investment
I. Do you have your own      property?	Own, wothout liability	Mortgage with less than 50% liability	Mortgage with 50% to 70% liability	Mortgage with more than 70% liability	No
RESULTS OF DR. FUND
A score of 10 to 15 = Growth Profile     You are by nature a growth investor. You usually seek significant long term capital growth and accept a high level of risk. You do not mind fluctuation in prices because you know that there is potential return associated with it.       A score of 16 to 30 = Moderate Profile     You are a moderate investor, you have a tendency to prefer balance and stability in your investments. You also seek slightly higher profits, do not mind a slight fluctuation in prices, and may accept investment to be growing slowly but steadily in pace with low inflation.       A score of 31 to 45 = Conservative Profile     You are a conservative investor. You need stability and may only go for investments that grow slowly but steadily in pace with low inflation. You become vey concerned if prices move up and down and do not tolerate price volatility.

The above is just a quick quiz to help you identify your risk tolerance. It is intended to provide general guidance and should not be treated as specific advice. While our insurance consultant may provide you with factual information as stated in publications authorized by the Company, you should make your fund allocation based on YOUR OWN judgment and personal circumtances.

Each investment fund is subject to market and exchange rates fluctuations and to risks inherent in all investments. The prices of units of any investment may go down as well as up.