What Information Is Collected in a KYC Form and Why It Matters for Your Portfolio

Your investment plan is only as good as the information it is built upon. That is why the Know Your Client (KYC) form is such an important part of your financial journey. It is not about collecting data for the sake of it—it is about ensuring that your portfolio reflects your personal financial life, your comfort with risk, and the goals you are working toward.

At Optimize, we use the information you provide in your KYC form as the foundation for your portfolio design and financial planning. By keeping this information accurate and up to date, we can ensure that your portfolio remains relevant, aligned, and supportive of your evolving life.

What Information Is Collected?

1. Personal Information
This includes your age, marital status, family details, and occupation.
These details provide important context for your investment plan, including how long you may be investing, potential family considerations, and any life transitions that might impact your goals or cash flow needs.

2. Financial Situation
This covers your income, expenses, existing assets, liabilities, and cash flow.
Understanding your financial picture helps ensure your portfolio is designed appropriately for your capacity to take risk, your liquidity needs, and your broader financial commitments.

3. Investment Objectives and Goals
We ask about your financial goals—whether that is retirement, wealth transfer, income generation, or other milestones.
This allows us to build a portfolio strategy that supports your specific priorities and aligns with your desired outcomes over time.

4. Risk Comfort and Investment Knowledge
Your comfort with risk and your investing experience help us assess how you are likely to react to market fluctuations.
This ensures we select an investment approach that fits both your financial needs and your emotional comfort zone, helping you stay invested through different market cycles.

5. Time Horizon and Liquidity Needs
We gather details about when you will need access to your investments, ensuring that your portfolio provides the right balance of growth potential and accessibility.
Shorter time horizons may require more focus on stability and income, while longer horizons allow for greater exposure to growth-oriented investments.

6. Constraints, Preferences, and Unique Considerations
We also ask about any specific investment preferences, ethical considerations, or restrictions that should be respected in your portfolio.
This helps us ensure your portfolio reflects not just your financial goals, but also your personal values and preferences.

Why This Information Matters for Your Portfolio

Every element of your KYC form helps us tailor your portfolio to your life, not just the markets. It ensures that:

• Your portfolio reflects your goals, not generic benchmarks.

• Your investments are aligned with your risk comfort, helping you stay disciplined during volatility.

• Your plan adapts as your life changes, keeping your portfolio always connected to your current circumstances.

Keeping Your KYC Current—Why It Needs to Evolve with You

Life is dynamic, and your KYC should be too. Major life events, such as retirement, career transitions, inheritance, or changes in your family situation, are moments to update your KYC so your portfolio can adjust accordingly.

At Optimize, we review your KYC regularly during portfolio reviews and planning conversations. But we also encourage you to let us know when your life changes, so your portfolio continues to serve your goals and needs with accuracy and care.