What is Risk Profiling? How to complete it on the Citi Mobile App?

What is Risk Profiling? How to complete it on the Citi Mobile App?

Risk profiling is an important step that you have to complete before you can start investing. Risk profiling is a process through which your risk appetite is determined and your risk profile generated. It takes less than 5 minutes to generate your risk profile on the Citi Mobile App. You can invest in funds only if you have a valid risk profile. Click here to download and login to the Citi Mobile App now!

What is a risk profile?
Your risk profile represents how much risk you are willing to take. This is determined through a series of questions regarding your risk attitude, financial means and investment objectives. At the end of the questionnaire, you are assigned a risk profile, also called the Investment Profile (IP). This rating ranges from IP1 (most conservative) to IP6 (most aggressive). You can select investment products suitable for you based on your risk rating. Example:
- IP 1 – Liquid Funds
- IP 2 – Liquid and Debt Funds
- IP 3, 4, 5, 6 – Liquid, Debt and Equity Funds

What questions do I have to answer in the risk profiling questionnaire?

When you start the risk profiling process on the Citi Mobile App, you will be asked to answer 9 questions listed below. You will be provided with multiple choices to choose from, and you can select any one answer and proceed to the next question. Below is a guide to help you understand the questions better.

Risk Profiling questions on Citi Mobile App / Citibank Online	Type of Question	Your Action
1. What is your total liquid net worth?	Type numerical value	Enter the amount of money that is available with you and you can access quickly
2. What is your employment status?	Multiple Choice Question (MCQ)	Choose between various employment options
3. What is the age of the eldest holder in this account?	Pre-populated	This is pre-populated basis information available with Citi. No choice available.
4. How long would you consider investing to achieve your financial goals?	MCQ	Choose your investment time horizon
5. Percentage of your liquid net worth you'd like to invest in this account?	MCQ	Choose the % of money you want to invest from the total money you have today.
6. Complete this sentence: I am relying on ______ of the money I've invested in this account, including any earnings, to cover my spending this year.	MCQ	Choose how much % of your investment you will need this year.
7. Which of the following statements best describes your investment objectives for the account(s) in this relationship?	MCQ	Select an option that describes your expectations on returns from investments. There are 7 options between ‘Capital Preservation’ to ‘Market Speculation’
8. Which of the following statements best describes the amount of risk fluctuation you will tolerate in the value of your investments?	MCQ	Select an option that describes the risk you are willing to take. There are 6 options between ‘Safety Oriented’ to ‘Most Aggressive’.
9. Describe your investment knowledge and experience.	MCQ	Choose your level of knowledge regarding investments.

How to create your risk profile on the Citi Mobile App?
You can complete risk profiling in two ways depending on whether you have an investment services account or not.

1. If you don’t have an investment services account with Citi, you will be asked to complete risk profiling during the account opening process on Citi Mobile App. Below is the illustration to guide you through the steps:
- Login to your Citi Mobile App and click on ‘Easy investing’
- Open your investment services account with Citi and click on ‘Risk Profiling Questionnaire’ after your account is opened.
- Click on ‘Next’ to begin answering a set of 9 questions on your financial information, risk capacity and risk attitude.
- Based on your answers, your risk profile rating is generated. If you agree with the rating, click on ‘Confirm’. If not, you can click on ‘Redo’ to answer the questions again.
2. If you have an investment services account already, you can create your risk profile by visiting the ‘Track & Manage’ tab. Below is the illustration to guide you through the steps:
- Login to your Citi Mobile App and click on ‘Easy investing’
- Click on ‘Track & Manage’
- Click on ‘My PCK and Risk Profile’
- Click on ‘Edit your Risk Profile’
- Click on ‘Next’ to begin answering a set of 9 questions on your financial information, risk capacity and risk attitude.
- Based on your answers, your risk profile rating is generated. If you agree with the rating, click on ‘Confirm’. If not, you can click on ‘Redo’ to answer the questions again.

What’s next and how can I start investing via Citi?

Investments Disclaimer: Citibank, N.A. provides investment services as an AMFI-registered Mutual Fund Distributor of third party investment products (shortly referred to as 'investment products'). Citibank, N.A. does NOT provide investment advisory services in any manner or form. To read the complete disclaimer, please click here.