Personality Quiz - Uno Advisers

What is your financial personality?
Are you a maker, spender, giver or saver? Perhaps you are a little bit of everything?

Welcome to your What kind of "traveller" are you?

You’re home alone with a family member. Both of you do not want to cook. Which of the following statements best applies?

You order something nice even though it is more expensive.

You order from multiple vendors that attract you.

You let your family member order instead.

You evaluate the best value deal and utilise any discounts that are available.

If you have just invested in a stock, and tomorrow the price drops by 10%. You will:

Not like the situation, but not be particularly worried either. You accept that you made your decision to invest already.

Be very worried and contemplate withdrawing it.

Be very worried and start asking the opinions of those closest to you.

Have an objective view that it is just the normal fluctuation. You have already done your research.

If you have just invested in a stock, and tomorrow the price drops by 50%. You will:

Look at the big picture and move your money into another stock that you think will perform better (or keep it if you think this stock still has good growth potential).

Ignore it and hope it recovers.

Sell it and avoid investing in stocks for a while.

Wait for it to break even, and then sell. If I sell now, the losses become realised.

What is your main objective when investing?

Growing my net-worth, status, and self-satisfaction.

Improving my lifestyle and overall enjoyment of life.

Providing for the family, especially in emergencies.

Ensuring I don’t lose my money to inflation.

The stock market has crashed due to COVID-19. The people around you are worried about the market and are pulling their money from their investments. Some talk about holding cash for safety. You:

See it as an immediate opportunity to invest and make good returns.

Tend to be influenced by the people around you and will also be concerned. You hold off on investing.

Avoid investing because you want to ensure your family’s financial safety. You feel you can always invest when things are better.

Want to invest, but you remain very cautious. You monitor the markets closely to decide when to start investing.

Your laptop is giving you some trouble, and you are advised that it can probably only last another 6 months. You:

Look for a premium laptop that will last a long time. It’s better to pay more and have less hassle. You set some money aside beforehand to be ready to purchase when needed.

You purchase a new laptop at the next sale whilst also taking advantage of any instalment plan offered to finance it.

Stick with the current laptop as it still works. Whenever convenient you ask friends and family for their recommendations.

You start researching laptops; comparing cost versus benefits. You evaluate the amount of usage you’ll get out of the laptop and over the course of the next 6 months you will decide on which will be the best for you.

You do not have enough money at the end of the month and you do not have a credit card. You:

Find a temporary side gig to earn additional money.

Borrow from friends/family for the short term.

Apply for a temporary grant/mini-loan. You do not want to trouble your family.

Live frugally until your next paycheck. You do a thorough evaluation of how this issue occurred and take steps to avoid it in future.

You see an unrecognised expense of RM149.99 on your credit card. You are most likely to:

Call up the bank immediately to investigate.

Try to remember the expense but knowing yourself, you probably bought something during a sale.

Accept that it is probably a family member’s expense.

Dig through your detailed records until you can account for the expense.

The 11.11 sale has arrived. You are already going on a two-week trip to Korea next month. You:

Only buy the laptop that you had already planned to buy next year. You would need to buy it for work anyway, so why not buy it on discount now?

The 11.11 sale is a once-a-year opportunity. You’re going to make the most out of it.

You only buy home essentials and necessities.

You avoid the sale because you do not want to overspend. You’d rather spend the savings on your holiday.

You’re thinking about buying a new car. Which is your primary decision point?

The car must reflect my career status.

The car must be good enough that I’m happy to show my friends.

The car must be big enough to accommodate my family.

The car must be affordable as it is only to transport me from A to B.

You’re arranging the accommodation for you and your friends on your holiday trip. How do you decide?

I’m willing to spend more on a place that is more comfortable and conveniently located.

I don’t mind getting to the place first, and then only deciding where to stay. I’m there for the experience, so I don’t mind ‘lower-class’ venues if they are more authentic.

I’ll ask my friends and choose the place where the majority of my friends want to stay.

I’ll factor in our itinerary and budget, then do my research and pick a place that best fits our schedule.

You’re shopping for a new washing machine. You are the one who usually does the laundry. Which statement fits you best?

You go for a higher-end machine because it has more functions.

You go for the machine that your friends have been talking about.

You go for a cheaper machine as long as it gets the job done well enough.

You go for the machine with the longest warranty and the highest review scores.

Which factor do concerns you the most when investing?

Overall Return – what do I get at the end of the day?

Liquidity – when can I use the money?

Reliability – can I trust this investment? Would my best friend/family member trust it also?

Capital Preservation – how safe is my money? Will I make losses?

In the supermarket, you walk past a booth selling meatballs and try a sample. You then:

Buy a few packets if you like it. Don’t buy if you don’t. Simple yes or no for you.

Try all the flavours, speak to the salesperson about the origin and manufacturing of the product, then buy a packet or two.

Buy some for your family.

Compare the cost versus other similar products. If it’s favourable, you buy one packet to try.

You’re planning your wedding. Which of the following appeals most to you?

A super lavish wedding where you can invite VIP guests.

A hip, trendy wedding where guests will be able to take the best photographs.

Whichever wedding type your fiancé prefers.

A small wedding with only your family and closest friends.

You get a promotion and now earn double your previous salary. You:

See it as an opportunity to expand your investments and grow your net-worth. You also increase your standard of living to reflect a high-income earner.

Reward yourself for all your hard work. It is important to celebrate the milestones in life.

Spend on your family to improve their quality of their life. You couldn’t have done it without their support.

Maintain your current expenses as far as possible for now because you don’t know how long this job will last in the current job market.

When it comes to personal financial management, what scares you the most?

Not achieving your earning/income potential.

Having insufficient funds to enjoy life in the future.

Being unable to provide a good life for your family.

Losing your hard-earned cash to mistakes in investing.

Which factors concern you the most when investing?

Overall Return – what do I get at the end of the day?

Liquidity – when can I use the money?

Reliability – can I trust this investment? Would my best friend/family member trust it also?

Capital Preservation – how safe is my money? Will I make losses?

If you have just invested in a stock, and tomorrow the price drops by 50%. You will:

Look at the big picture. You may move the money into another better performing stock or keep it if the original stock still has good growth potential.

Do not react and hope it recovers.

Sell it and hold off from investing in stocks for a while.

Wait for it to break even before selling it. You do not want the losses to become realised by selling it now.

The stock market has crashed due to COVID-19. People around you are worried about the market and are pulling their money from their investments. Some talk about holding cash for safety. You:

See it as an immediate opportunity to invest and make good returns.

Are similarly concerned as those around you and hold off on investing.

Avoid investing because you want to ensure your family’s financial safety. You believe you can invest when things are better.

Want to invest, but remain cautious. You monitor the markets closely to decide when to start investing.

Your spouse wants to buy a new set of dinner plates. You:

Make sure it’s a good quality set that will last years.

Get a cutlery set to go along with it, because you might as well get everything together.

Go ahead and buy it because it benefits the family after all.

Evaluate if your family has actual use for the new set of plates and whether it is worth the price being paid

You’re thinking about buying a new car. Which is your primary decision point?

The car should reflect your career status.

The car should be of similar standards as your peers’ cars.

The car must be big enough to accommodate your family.

The car must be affordable as it is only to transport you from A to B.

You’re shopping for a new washing machine. You are the one who usually does the laundry in your household. Which statement fits you best?

You go for a higher-end machine because it has more functions.

You go for the machine that you’ve seen promoted across social media.

You go for a cheaper machine as long as it gets the job done well enough.

You go for the machine with the longest warranty and the highest review scores.

You’re planning your wedding. Which of the following best fits you?

A lavish wedding; fitting of your VIP guests.

A unique ‘instaworthy’ wedding.

Whichever wedding type your fiancé prefers.

A small wedding with only your family and closest friends.

One of your best friend’s weddings is coming soon and he/she wants to have a pre-wedding party in Bali. Which of the following statements best describes your approach to handling the costs:

Whatever it takes. This is a once-in-a-lifetime event for my friend.

We’re supposed to have fun. I’m not going to let some budgeting get in the way.

I will sacrifice some of my personal expenditure and entertainment this month so I can afford it.

I’m very mindful of the costs involved, and will plan out how I can safely afford the expenses.

A situation occurs where you do not have enough money at the end of the month and you do not have a credit card. You:

Find a temporary side gig to earn some additional money.

Borrow from friends/family, just for a short while.

Apply for a temporary grant/mini-loan. You do not want to trouble your family.

Live extremely frugally for the remaining few days until your next paycheque. You do a thorough evaluation of how this issue occurred and take steps to avoid it in future.

You see an expense of RM149.99 on your credit card that you do not recognise. You are most likely to:

Call up the bank immediately to investigate.

Try to remember, but knowing yourself, you probably bought something during a sale.

Try to remember, but knowing yourself, you probably bought something during a sale. c. Accept

Dig through your detailed records until you find out. You cannot rest until you solve this problem.

Your laptop is giving you some trouble, and you are advised that it can probably only last another 6 months. You:

Look for a premium laptop ‘that will last’. It’s better to pay more and have less hassle. You set the money aside beforehand, ready to purchase when you need to.

You take this opportunity to purchase a new laptop at the next sale. You’ll likely use an instalment plan to buy it.

Stick with the current laptop, as it still works. However, whenever convenient you ask your friends and family for recommendations.

You start researching the laptops available, taking note to compare costs and value gained. You evaluate the amount of usage you’ll get out of the laptop and over the course of the next 6 months, decide on which will be the best for you.

When it comes to budgeting, you:

Generally do not budget. You know your expense thresholds and will find ways to generate more money if there is a shortfall.

Find that your expenses often exceed your budget.

Have no problem budgeting as your expenses are usually very reasonable.

Are very disciplined in sticking to your carefully crafted budgets. You amend and revise your budget as needed.

You have three months’ worth of salary in your bank account. You:

Look for investment opportunities.

Lock it away to not be tempted to spend it - although you do sometimes end up spending it.

Continue keeping it in the bank as an emergency fund.

Work on building six months’ worth of emergency funds. Three months may not be enough if an actual emergency does arise.

When it comes to budgeting, you:

Generally do not budget, but you know your personal expense thresholds. You look to earn and generate more money when you find a shortfall.

Have found it very difficult to stick to any budget so far. There’s just not enough money.

Have little-to-no problem with simple budgets, but you find that you do not spend too much anyway.

Are very disciplined sticking to your carefully crafted budgets. You make amendments and improvements as time goes by.

Which statement best describes your approach to tracking your expenses:

Prefer to track the big picture as opposed to the individual detailed expenses. You generally only want to know much income vs expense.

Do not like to track. Even when you do, you miss things out and it is not accurate.

Do only occasional tracking, but you generally have no issues with overspending so you don’t need to be so detailed.

Have a spreadsheet of your expense breakdowns, especially your cash inflows and outflows. You generally know where your money is going.

If I did not have to manage or worry about money, I would:

Still invest it to maximise the potential.

Focus on enjoying life.

Focus on providing my family with the best.

Still take an interest in where the money goes. Just because I don’t have to worry about money, doesn’t mean it should be sub-optimal.

You find that you have RM80 spare cash at the end of the month. You:

Channel that into your investment fund. Make that money work!

Buy yourself something nice during the month’s online sale. You deserve it for being so disciplined with spending this month.

Put it towards buying your family a meal – perhaps even donate it to charity or religious causes. It’s always good to give back.

Keep it in the bank first. You never know when a rainy day or a good investment opportunity may come.

Your parents are financially independent and can take care of themselves. They do not expect you to give them any ‘parental allowance’. You:

Capitalise on this privilege. You use the additional cash-flow to build a business. You will reward your parents later on once the business grows.

Take your parents out for nice meals and experiences instead of giving them cash.

Insist on giving them an allowance as it is your duty.

Store away the money that you would have given them, just in case there comes a rainy day where you need to help them out.

You have a free cash-flow of RM1,000 at the end of the month. Which would you do first:

Allocate most of that towards investments.

Feel relaxed and spend a portion of it on yourself as a reward.

Buy something nice for your family.

Keep it safe. If invested, you invest only a portion of it in something capital guaranteed or low risk.

The money I earn is:

To empower me to have extraordinary things in life. If I want something, I’ll find a way to make the money to get it.

Meant to let me live life to the fullest.

Meant to provide the best for the loved ones around me. I feel fulfilled when giving and being generous.

A resource that needs to be managed efficiently.

You’re doing very well in your career/business. At an expensive reunion dinner with your best friends, one of them decides to pay the bill. You:

Fight to pay the bill because you know you’re doing better, and you want it to be fair.

Fight to pay the bill because you don’t want to be seen as doing worse than that friend.

Mildly protest, but accept his decision since you’d rather not make a fuss.

Protest out of politeness, but accept the decision because it’s his/her choice anyway.

You have RM50,000 sitting in your bank savings account. You:

Don’t want it being idle, and aggressively look towards generating more income either from investments or by building a business.

Spend RM10,000 and want to ensure the balance goes towards maintaining your standard of living.

See if you need to help out with anything in the family, and keep the rest for investment opportunities if they arise. You think about investing in something your close friend has invested in.

Invest a portion of it into a well-researched fund to test it out. You hold the balance in a low risk investment or fixed deposit just in case.

The money I earn is:

To empower my life, to enable me to have extraordinary things. If I want something, I’ll find a way to make the money to get it.

Meant to let me live life, and enjoy it as much as possible. You only live once.

To provide the best for the loved ones around me. Giving and generosity make me feel good.

A resource to be managed.

At the end of the year, you get a bonus of RM10,000. You:

Invest RM5,000 and put the rest towards your year-end holiday.

Pay off some outstanding purchases from this year’s expenses, and then see what you can do with the balance.

Buy a gift for your closest family members, to show your appreciation for all their support.

Save it all first and start planning next year’s expenditure. If you have surplus, then only will you look at buying yourself something nice.

You get a promotion and now earn RM16,000 monthly, double your previous salary. You:

See it as an opportunity to expand your investments and grow your net-worth. Of course, you also increase your standard of living to reflect a high-income earner.

Reward yourself for all your hard work. You deserve it.

Reward your family to show your appreciation for all the support they’ve given you.

Maintain your old expenses (or close to it) as far as possible for the time being, because you don’t know how long this job will last in the current job market.

When it comes to personal financial management, what scares you the most?

Not achieving my earning/income potential.

Having insufficient funds to enjoy life in the future.

Being unable to provide a good life for my family.

Losing my hard-earned cash to mistakes in investing.

The stock market is soaring. The people around you are very optimistic and happy, encouraging you to invest. You:

Invest straight away because you do not want to miss out on returns. You invest a significant sum.

Invest straight away because you do not want to be seen as the person who missed out on investing. You invest a sum that you can afford so that you can say you took part in the optimism.

Ask your closest friend/family member on their recommendation for investment, and follow his/her advice.

Are cautious and conduct your research first. You want to invest, but more importantly you don’t want to make a mistake.

At a gathering, your three best friends tell you about an investment that they have invested in. You have not heard about it before. You then:

Ask for some information, but most importantly you want to know what is your overall bottom-line return at the end of the day.

Join them immediately. You don’t want to be the odd one out, and it can’t be that bad if all three of them are doing it.

Join them immediately. You trust them. If they trust the investment, that’s good enough for you. They wouldn’t do anything to harm you.

Ask for as much information as possible. Thoroughly research the investment at home, checking its legitimacy, regulation and overall reliability. You will not make a decision until you are satisfied that you have sufficient information.

When deciding whether to invest in any particular investment, which of the following is your priority?

Bottom-line returns. How much do I make at the end of the day?

When can I utilise the returns?

Would my trusted friend/family member would also invest in this? I will want to ask them first.

I do not want to make a mistake, and so I will make sure I have enough information to evaluate first.

When deciding how much to invest, which of the following applies best to me?

I will invest a large, significant sum, because I want to see large returns.

I will invest here and there whenever I can, depending on how things go during the month.

I will invest a sum close to the amount recommended by my friend/family (I will usually ask for their opinion first).

I will invest a small sum first to test out the investment. I do not want to make a mistake.

When it comes to the ‘risk’ aspect of investing:

I like the thrill of high risk, high reward. I want to make significant returns. If I’m investing, I’m going to be aggressive.

I like to see fast movements in my investments, and so I lean towards higher risk and more ‘exciting’ instruments.

I would not like to gamble with my family’s livelihood, and so I would rather take things slow and steady.

I do not like to lose progress on what I have built, and I prefer capital guaranteed instruments. At most, I will engage in very calculated-risk investments (I will make sure to research it first).

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What is your financial personality? Are you a maker, spender, giver or saver? Perhaps you are a little bit of everything?

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What is your financial personality?
Are you a maker, spender, giver or saver? Perhaps you are a little bit of everything?