Q1. What % of your monthly income do you save/invest?
Not Saving at all
10% - 20%
20% - 40%
Q2. Have you ever missed paying bills, EMI, etc. in the last 2 years knowingly due to inadequate cash flow?
Yes, I miss paying my bills frequently.
I have missed paying my bills only a couple of times in last 2 years.
I have never missed paying any bills.
Q3. What % of your income goes towards EMI/Rent?
I'm paying 50%of my income towards my EMI/Rent.
I don't have any EMI/Rent.
Q4. Would you be really concerned if your monthly pay cheque is delayed by a few days?
Yes, It would impact my whole budget for the month.
Yes, I will be little bit concerned as my EMI's go at a fixed date.
No I won't be concerned as I have enough surplus in my account
Q5. How many months expenses is available in your bank balance?
I don't have anything in my bank balance.
I have one month's expenses in my bank.
I have 3 month's expenses in my bank.
I have enough in bank to manage my expenses for an year.
Q6. How much money will you need to manage your expenses in your retirement years?
I have no idea.
I have a fair idea but I'm not saving for that.
My financial plan is in place and I'm diligently saving for my retirement.
Q7. What % of your retirement funds do you expect to come from Employment Benefits?
I have no idea plus I have changed few jobs and have not transferred my benefits/accumulation to the Current Company.
I have no idea as I have withdrawn some amount to repay my Home Loan.
Yes, these amounts have been accounted for in my Financial Plan.
Q8. How often do you review your investment portfolio?
I see my portfolio whenever I'm in need of some money.
I review my portfolio once in every year.
I review my portfolio every month.
I review my portfolio on various occasions depending on market conditions, lifestyle changes, etc.
Q9. How often do you rebalance your portfolio?
I'm not sure if I understand the term.
I don't do any portfolio re-balancing; I just add or withdraw money from my portfolio.
I frequently check on my portfolio rebalancing as per my risk appetite.
Q10. How do you intend to cover Medical Emergencies?
Nothing is going to happen to me or my family.
My relatives will help.
My Company covers me.
I have taken a Health Insurance plan.
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