Client On Boarding

Welcome to UOB Kay Hian's

Client Onboarding Form

To start, please select the product type you wish to sign up with us.

This Investor Suitability Assessment Form will guide you in choosing the unlisted capital market products that suit your investment objectives, risk tolerance, financial profile and investment experience. The information you provide will form the basis of our recommendation. It is important to provide accurate and complete information to ensure that suitable unlisted capital market products are recommended to your investment needs and objectives.

New Account

Existing Account

Account No.

	Applicant / Company / Institution	Joint Applicant
Name: (as per NRIC / Passport)
NRIC / Passport / Co.Reg.No.:
Contact No.:
Date of Assessment:
Financial Adviser’s Name / Code:

SECTION I: FINANCIAL & RISK PROFILE
1. What is your main investment goal?
Income	Growth	Education Planning	Retirement Planning
Others, please specify
2.Investing comes with the possibility of losing some of the money you have invested. In an effort to achieve a higher return, than an investment such as a bank account, do you accept a degree of risk with your money?
Yes, I understand that investments can rise and fall in value and that I could lose some of my money.		No, I am not willing to see my money fall in value or lose any part of my investment
3. What impact would it have on your standard of living if you were to lose money on this investment?
It wouldn't have an impact on my standard of living and I wouldn't need to use any additional resources (for example, savings) as a result.		I have other resources I could fall back on
It would have an impact on my immediate standard of living.
4. When do you want to start spending the money you will save in this account?
Immediately or within the next three years
Within three to four years
Within five to six years
Within seven to 10 years
Not within the next 10 years
5. Once you start spending your money, how long do you expect to continue to withdraw funds from your investment portfolio?
I plan to withdraw all of my money at once		I will make withdrawals over two to five years
I will make withdrawals over six to 10 years		I will make withdrawals over 10 years or more
I don't intend to withdraw the money.
6. Once you start to spend the money in your investment portfolio, how much do you plan to withdraw?
I plan to withdraw all of my investments at once.
I plan to withdraw more than half of the value of my investments within 3 to 10 years.
I plan to withdraw between 4% and 8% of the value of my investments each year.
I plan to withdraw between 0% and 4% of the value of my investments each year.
I do not intend to take withdrawals.
7. Some investments offer the opportunity for a greater gain but with the risk of a greater potential loss. Look at the five scenarios represented in the chart below. Which one would you put your money in?
Scenario A
Scenario B
Scenario C
Scenario D
Scenario E
8. Imagine you have invested $100,000. Which of the five scenarios below would you want for your investment portfolio? *Note to FA: The scenario should be consistent to investor’s answer in Question 7 above.
Scenario A
Scenario B
Scenario C
Scenario D
Scenario E
9. Investing involves a trade-off between risk and returns. In the past, investments with higher returns have been associated with greater risk and chance of loss. Whereas cautious investments that have had a lower chance of loss also have achieved lower returns. Which of the following statements best describes your attitude to risk?
I am most concerned with risk. I am willing to accept lower returns in order to limit the risk of loss.
I am willing to accept some risk and chance of loss in an effort to achieve modest but somewhat higher returns.
I am willing to accept moderate risk in order to achieve higher returns. Reducing risk and increasing returns are equally important to me.
I want to achieve strong returns on my investments. I am willing to accept somewhat higher risk and chance of loss.
I am mainly concerned with getting the highest possible returns on my investments. I am willing to accept significant rises and falls in the value of my investments and a significant chance of loss.
10. Imagine your adviser has invested $100,000 of your money and it's fallen in value to $80,000. Assuming that this happens at an early stage of your intended investment period, how would you react to this $20,000 loss?
I would immediately change to investment options that are more stable.
I would wait at least six months before changing to investment options that are more stable.
I would wait at least one year before changing to investment options that are more stable.
I would not change my investment plan.
11. The value of investments varies from year to year. Suppose you invested $100,000. How much money would you need to lose before you wanted to move your money into a more stable investment?
$5,000 or less		$10,000
$15,000		$20,000
It is unlikely I will move my money even if my investment falls in value.
12. How does your concern about losing money manifest itself in relation to your investment?
I would sell my investments.
I would be worried but not uncomfortable enough to sell my investments immediately. If my investments suffered losses over several months, I would probably sell.
I would wait a full year before making changes to my investments—short-term losses in the value of my investments do not bother me.
I would not make changes—I understand that investments can have occasional negative yearly returns. However, I have a higher chance of reaching my investment goals if I stick with my investment over the long term.
13. Which of the following best describes your view on investing?
My investments don't have to grow, I just want my money to be safe
I can accept lower growth for greater certainty
I am more concerned about the possible losses than the possible gains.
I can accept possible losses for long-term investment growth.
To achieve high levels of growth, it is necessary to take risk.

INVESTMENT RISK PROFILE
Your investment risk profile is based on the above questionnaires as generated from Morningstar online portfolio planner after keyed-in by FA:
Time Horizon Scoring (Q4 - Q6)
Attitude Risk Scoring (Q7 - Q13)
Not Suitable Investment	- Investors falling into this category are unlikely to find that any investment portfolio is suitable for them because their most important objective is keeping their money safe, even over short periods. Investors in this category should have a further discussion with their adviser to make sure they understand why the risk analysis questionnaire has resulted in this outcome.
Cautious	- Worried about short-term losses or due to their circumstances may not be able to invest over longer-term time horizons. - Willing to accept a lower return to help achieve their primary goal of keeping their investment safe. - Willing to accept that to achieve a return higher than a very secure investment such as a bank account, their money will be invested in assets that can fall in value and so they could lose some of it.
Moderately Cautious	- Worried about short-term losses or due to their circumstances may not be able to invest over longer-term time horizons. - Uncomfortable taking risks with their investment but is willing to do so to help achieve higher returns than could be achieved in more secure investments such as a bank or building society account. - Can accept that their money will be invested in assets that can rise and fall in value and so their money is at risk and they could lose some of it.
Moderate	- Concerned by short-term losses but understands that some risk is needed in order to have the opportunity to achieve better returns. - Believes that the safety of their investment and achieving investment returns are similarly important. - Able to leave their money invested despite a fall in the value of their investment in order to try to recover their losses.
Moderately Adventurous	- Main aim is to increase the value of their investment. - Willing to accept the risk of losing their money in order to achieve this. - Willing to leave their money invested despite a large fall in the value of their investment in order to recover their losses and to achieve their long-term investment aims.
Adventurous	- Aims to achieve the highest possible returns over the long term. - Not concerned about possible short-term losses. - Most concerned with high returns and can accept both large and frequent losses to the value of their investment over time in exchange for the opportunity of a higher return over the long term.

INVESTOR’S FINANCIAL SITUATION & CURRENT PORTFOLIO
Investment Fund Types:
I / We do not wish to disclose any of the information below:
Yes		No
Financial Situation (Applicable to Individual):
Annual Income Range
Below RM 300,000		RM 300,001 – RM 5,00,000
RM 500,001 – RM 1,000,000		Above RM 1,000,000
Investor’s assets
Below RM 500,000		RM 500,001 – RM 1,000,000
RM 1,000,001 – RM 3,000,000		Above RM 3,000,000
Investor’s liabilities
Below RM 150,000		RM 150,001 – RM 350,000
RM 350,001 – RM 500,000		Above RM 500,000
Investor’s monthly financial commitments
Below RM 3,000		RM 3,001 – RM 5,000
RM 5,001 – RM 10,000		Above RM 10,000
Current Portfolio
My current investment portfolio
Equities/ Stocks	Money Market Fund	Equity Fund	Balanced Fund
Derivatives/ Futures	Bond Fund/ Sukuk	Real Estate (REITs) Fund	Equity Fund
Fixed Income Fund	Wholesale Fund	Fund-of Funds	Structured Product
Financial Situation (Applicable to Corporate):
Company’s assets
Below RM 1,000,000		RM 5,000,001 – RM 10,000,000
RM 1,000,000- RM 5,000,000		Above RM 10,000,000
Company’s liabilities
Below RM 1,000,000		RM 5,000,001 – RM 10,000,000
RM 1,000,000- RM 5,000,000		Above RM 10,000,000
Current Portfolio
Company current investment portfolio
Equities/ Stocks	Money Market Fund	Equity Fund	Balanced Fund
Derivatives/ Futures	Bond Fund/ Sukuk	Real Estate (REITs) Fund	Equity Fund
Fixed Income Fund	Wholesale Fund	Fund-of Funds	Structured Product

INVESTOR’S KNOWLEDGE ASSESSMENT
1.Please indicate your Knowledge and Experience of the Products below:
	No Knowledge & No Experience	With Knowledge But No Experience	With Knowledge & With Less than 1 Year Experience	With Knowledge & With 1-5 Years Experience	With Knowledge & With More Than 5 Years Experience
Equities/ Stocks
Derivatives/ Futures
Fixed Income Fund
Money Market Fund
BondFund
Wholesale Fund
Fund Of Funds
Equity Fund
Real Estate (REITs) Fund
Balance Fund
Equity Fund
Structured Product
2.Specific Product Features – This test investor’s knowledge and understanding on specific product(s) being invested in: [please tick √]:
Unit Trust/ Islamic Unit Trust
i.Are you fully aware of the fees and charges involved when investing in Unit Trust/Islamic Unit Trust?		Yes		No
ii.Are you aware that Unit Trust/Islamic Unit Trust is not insured/ covered by Perbadanan Insurans Deposit Malaysia (PIDM)?		Yes		No
iii.Do you understand that the risk and return of a Unit Trust/Islamic Unit Trust investment are dependent on the type of fund? (eg. Fixed Income Fund, Equity Fund, Balance Fund, Income Fund)		Yes		No
Unit Trust/ Islamic Unit Trust
iv.Are you aware that Unit Trust/Islamic Unit Trust returns come from NAV appreciation or income distribution or both NAV appreciation and income distribution?		Yes		No
Retail Bond/ Sukuk
i. Are you aware that you are assuming the credit risk of the issuer?		Yes		No
ii. Are you aware that Retail Bond/Sukuk is not insured/ covered by Perbadanan Insurans Deposit Malaysia (PIDM)?		Yes		No
iii. Do you know that your payouts are in fixed coupon at a predetermined frequency unless otherwise specified?		Yes		No
iv. Do you understand that in the event of credit default, you may lose up to 100% of your principal amount?		Yes		No
Structured Product/ Islamic Structured Products (Principal Protected Structured Product Only)
i.Do you know you have to hold a Structured Product/Islamic Structured Product until maturity?		Yes		No
ii.Are you aware that Structured Product/Islamic Structured Product is not insured/ covered by Perbadanan Insurans Deposit Malaysia (PIDM)?		Yes		No
iii. Do you understand that the return of this product is not guaranteed and subject to the performance of the underlying (e.g. FX, interest/profit rate, stocks)?		Yes		No
iv. Are you aware that redemption prior to maturity will be based on Mark to Market (MTM) value published by the issuer? An / early redemption may result in partial loss of capital.		Yes		No
Structured Product (Equity Linked Investment - Autocall / Bull / High Yield)
i. Is Autocall / Bull / High Yield Equity Linked Investment non-principal protected?		Yes		No
ii. Are you aware that ELIN is not insured by Perbadanan Insurans Deposit Malaysia (PIDM)?		Yes		No
iii. Are you aware that there is an unwinding mark to market cost for early withdrawal prior to maturity date?		Yes		No
iv. Do you know that your payout for maturity proceeds in ELI either in cash or stock?		Yes		No
Structured Product - Credit Linked Investment (CLI)
i. Are you aware that you are assuming the credit risk of the issuer and Reference Entity specific debt instrument’s credit risk?		Yes		No
ii. Are you aware that CLI is not insured by Perbadanan Insurans Deposit Malaysia (PIDM)?		Yes		No
iii. Do you understand that in the event of credit default, you may lose up to 100% of your principal amount?		Yes		No
iv. Are you aware that there is an unwinding mark to market cost for early withdrawal prior to maturity date?		Yes		No
Structured Product - Dual Currency Linked Investment (DCI)/ Islamic Dual Currency Investment (IDCI)
i. Is Dual Currency Linked Investment (DCI)/Islamic Dual Currency Investment (IDCI) a non – principal protected currency linked Structured Investment?		Yes		No
ii. Are you aware that DCI/IDCI is not insured/ covered by Perbadanan Insurans Deposit Malaysia (PIDM)?		Yes		No
iii. Are you aware that there is a cost incurred for early withdrawal prior to DCI/IDCI maturity date? In the event that the customer uplifts the investment prior to maturity, the customer hereby agrees to provide rebate (ibra’) based on an amount which is determined in accordance to the valuation provided by the bank.		Yes		No
iv. Do you know that your payout for maturity proceeds in DCI/IDCI is either in Base Currency or Alternate Currency?		Yes		No
v. Do you understand that there is a risk that your investment would not be converted to your desired Alternate Currency? /		Yes		No
Note: If investor’s response for item 2 is “No”, Wealth Advisor is required to explain and brief the investor for product features and to document down the explanation into remark column below:
Remark :

SECTION II: FUND RECOMMENDATION (TO BE COMPLETED BY FINANCIAL ADVISER)
Investment Fund Types:		Balance Equity Fixed Income Money Market Others
1.	2.	3.	4.
Basis of Recommendation:
Suitable to the investor’s risk portfolio and investment objective
Complements investor’s portfolio of products to meet his / her financial goal
Others (please specify; mandatory if client choose to opt out SAF)
CUTA/IUTA Representative Name:
CUTA/IUTA Representative Code:
Date
SECTION III: DECLARATION BY INVESTOR
1. I / We confirm that the information disclosed is true, complete and accurate.
2. I / We agree and acknowledge receipt of the fund(s) offered by the Company representative and understood the features and risks of the categories of fund(s) that is / are suitable for me.
3. I / We acknowledge receipt a copy of Product Highlight Sheet and relevant Disclosure Document which has been given to me.
If applicable:
I / We decline to provide certain information required for Investor Suitability Assessment Form and that this may adversely affect my suitability assessment.
I / We disagree with the above profiling. I / We fully understand the investment risk involved and have decided to purchase another unlisted capital market product that is not recommended by the Company representative.New fund (please state):
There is no material change in the previous assessment performed and this is only an execution transaction.
I / We as an accredited investor / a high net worth entity wish to opt out from being subjected to the investor suitability assessment.
Principal Applicant/ Authorised Signatory : Company/ Authorised Signatory : Institution
Name: Date:
Joint Applicant/ Authorised Signatory : Company /Authorised Signatory : Institution
Name: Date:

FOR OFFICE USE
Received By / Date: Processed By / Date: Verified / Date:

Important Note:
For verification of identity, please deposit RM1 using your Bank Account as stated in the Banking Section. The RM1 will be credited to your account once it is approved.

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UOB Kay Hian Securities (M) Sdn Bhd