cip – Standard Chartered Taiwan (en)

Authentic CIP is matter – It helps you find investments that best suit you

CIP Authenticity

CIP should be performed by yourself. Relationship Manager, family members or friends shall not help you do CIP. Please don’t hand your phone or devices or share your password to others to complete your CIP, and don’t let others influence your CIP.

Data Refresh Regularly

It is important to refresh your CIP if any update is required at anytime or at least review once a year before making any investment decisions.

Profile Classification

It will classify you in one of the six Risk Profiles, ranging from " 1 " to "6", where rating "1" is the lowest and rating "6" is the highest.

CIP guides you to make suitable investment choices for you

The CIP plays a crucial role in helping you have a better understanding of your risk appetite and it will guide you to make the most suitable investment choices to building your wealth.

Investment Profile Classification

INVESTMENT PROFILE CLASSIFICATION
Risk Averse 1	Your sole objective is to preserve your capital and achieve returns based on prevailing deposit rates. You are not willing to invest in any products where your capital is at risk at any point in time.
Conservative 2	You seek to achieve above deposit rate returns and protect your capital against inflation. You are willing to accept very low level of investment risk over the medium term.
Moderate 3	You seek to achieve a low to moderate level of capital growth on your investments and you are willing to accept low to moderate level of investment risk over the medium to long term.
Moderately Aggressive 4	You seek to achieve a moderate to high level of capital growth on your investments and you are willing to accept moderate to high level of investment risk over the short, medium and long term.
Aggressive 5	You seek to achieve high capital growth on your investments and you are willing to accept very high level of investment risk over the short, medium and long term.
Very Aggressive 6	You seek to achieve exceptional capital growth on your investments and you are willing to accept extreme level of investment risk over the short, medium and long term.

Client Investment Profile (CIP)

CIP Result
Product risk level (product type)	Risk Averse 1	Conservative 2	Moderate 3	Moderately Aggressive 4	Aggressive 5	Very Aggressive 6
Risk Averse (e.g. Time Deposit, Life Insurance)	●	●	●	●	●	●
Conservative (e.g. part of Bond Funds)		●	●	●	●	●
Moderate (e.g. part of Balanced Funds)			●	●	●	●
Moderately Aggressive (e.g. part of Equity Funds)				●	●	●
Aggressive (e.g. part of Offshore Equities, part of Perpetual Securities)					●	●
Very Aggressive (e.g. part of Structured Notes)						●
What does the CIP rating mean? The CIP rating result will classify you in one of the six Risk Profiles, ranging from "1" to "6", where rating "1" is the lowest and rating "6" is the highest. CIP rating "1" meaning you can purchase products with low-return pooprtunities accompanied bt relatively low risk, such as Time Deposit, Lift Insurance; CIP rating "5" or "6" meaning you can take up products with high-return opportunities accompanied by relatively high risks, such as Bond, Equity, Structured Notes The higher the CIP rating result, the higher the product risk rating and investment risk.