Risk Profile

How much risk can you take — and how much are you willing to?

Twelve questions, about three minutes. The result shows capacity and willingness separately, because they are often different, and neither alone is the full picture.

Important: This is an educational tool, not investment advice. It does not recommend a scheme, an allocation, or a return. Use the result as a starting point for a conversation, not a conclusion.

Risk questionnaire

All 12 questions, on one page

3 min

01 Which age band are you in?

Under 30 30–40 41–50 51–60 Above 60

02 How long can this money stay invested before you are likely to need it?

Under 3 years 3–5 years 5–10 years 10+ years

03 How many people depend on your income?

None 1–2 3 or more

04 How would you describe your income?

Highly stable (salaried, government, tenured) Moderately stable (established business or profession) Variable or uncertain

05 Do you have an emergency fund set aside, separate from this investment?

6 months of expenses or more 3–6 months of expenses Less than 3 months No emergency fund yet

06 Do you expect a large expense from this money in the next 2 years?

No large expense expected Possibly, not confirmed Yes, a specific large expense is expected

07 What is your experience with market-linked investments?

Experienced across more than one market cycle Some experience with equity or mutual funds Only fixed deposits or savings so far No investment experience yet

08 Your portfolio falls 10% in a month. What do you do?

Invest more while prices are lower Hold and stay invested Sell part of it to reduce risk Sell all of it

09 A correction deepens to 20%. What do you do?

Invest more while prices are lower Hold and stay invested Sell part of it to reduce risk Sell all of it

10 It falls further, to 30%. What do you do?

Invest more while prices are lower Hold and stay invested Sell part of it to reduce risk Sell all of it

11 How much of a fall in a single year would feel acceptable to you, in exchange for higher long-term return potential?

I would rather not see a fall at all Up to about 5% Up to about 15% A larger fall does not concern me if the horizon is long

12 If this goal ran short, how flexible could you be on amount or date?

Fully flexible on both amount and date Somewhat flexible Fixed date and amount, cannot flex