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Questionnaire
Choose the answer closest to your normal behavior.
1. How would you react if your portfolio fell 10% in one month? *
Weight 22. Which outcome matters most to you? *
Weight 23. What level of yearly portfolio fluctuation feels acceptable? *
Weight 24. How long can you leave this money invested before needing it? *
Weight 35. How dependent are you on this invested money for near-term expenses? *
Weight 36. Which investment mix sounds most comfortable? *
Weight 27. If markets fell 20%, when would you expect to need the money? *
Weight 38. How stable is your household income? *
Weight 29. How many months of essential expenses are covered by emergency savings? *
Weight 210. How would you describe your investment experience? *
Weight 111. Which statement best reflects your view of investment losses? *
Weight 312. What is the largest temporary decline you believe you could tolerate without changing strategy? *
Weight 313. How likely are you to make withdrawals during a market downturn? *
Weight 314. How comfortable are you choosing an uncertain higher return over a guaranteed lower return? *
Weight 215. If your portfolio underperformed for two years, what would you most likely do? *
Weight 2Add a custom question
Educational allocation illustration
These examples are broad learning aids, not personalized recommendations.
| Risk profile | Cash | Bonds | Equities | International | Alternatives |
|---|---|---|---|---|---|
| Very Conservative | 25% | 60% | 10% | 5% | 0% |
| Conservative | 15% | 50% | 25% | 8% | 2% |
| Moderate | 8% | 35% | 40% | 12% | 5% |
| Growth | 5% | 20% | 55% | 15% | 5% |
| Aggressive | 2% | 8% | 65% | 18% | 7% |
Understanding Risk Tolerance
Risk tolerance describes how comfortable you are with investment uncertainty and temporary losses. It reflects your emotional response when markets rise or fall. A useful questionnaire also looks beyond feelings. It considers whether your finances can support the risks you prefer. Someone may enjoy aggressive investing but still need near-term cash. That creates a difference between willingness and capacity.
Risk Tolerance Versus Risk Capacity
Risk capacity is your financial ability to absorb losses without disrupting important goals. Income stability, emergency savings, debt, liquidity needs, and expected withdrawals all affect capacity. Time horizon matters too. Investors with many years before a goal may have more time to recover from declines. Shorter horizons usually reduce the amount of volatility a portfolio can reasonably withstand.
How Questionnaire Scores Work
This tool converts selected answers into weighted scores. Higher values generally indicate greater comfort with volatility or stronger financial capacity. Separate sub-scores show willingness, capacity, time horizon, and financial stability. The overall percentage is then mapped to a broad profile. The profile helps explain patterns in your answers rather than prescribing a specific investment.
Why Results Should Be Reviewed
Risk preferences can change after major life events, market experiences, income changes, retirement, or new financial obligations. Retaking a questionnaire periodically can reveal those changes. Results should be considered alongside your complete financial picture. Tax circumstances, investment knowledge, legal constraints, goals, and portfolio needs may require professional evaluation. Educational allocation examples can support learning, but they should never be treated as individualized recommendations.
Using Results Responsibly
A questionnaire works best as one input within a broader planning process. Compare your result with your goals, required return, available savings, and ability to handle unexpected expenses. Avoid treating a score as permission to take more risk than your financial situation supports. If willingness and capacity differ sharply, the more cautious constraint may deserve greater attention. A qualified financial professional can help interpret conflicts and evaluate whether an investment strategy fits your complete circumstances.
Typical Risk Profile Interpretation
| Score | Profile | General description |
|---|---|---|
| 0–20 | Very Conservative | Capital preservation focused |
| 21–40 | Conservative | Limited tolerance for losses |
| 41–60 | Moderate | Balanced risk and growth |
| 61–80 | Growth | Comfortable with meaningful volatility |
| 81–100 | Aggressive | High tolerance for investment risk |
Frequently Asked Questions
What is investment risk tolerance?
It is your personal comfort level with uncertainty, volatility, and temporary investment losses.
How is my risk score calculated?
Each visible question receives points. Optional weights emphasize questions related to time horizon and financial capacity.
What is risk capacity?
Risk capacity is your financial ability to withstand losses while still meeting important obligations and goals.
Can risk tolerance change over time?
Yes. Age, experience, income, goals, family responsibilities, and market events can change your preferences.
Does a high score mean I should buy risky investments?
No. A high score only describes questionnaire responses. Investment decisions require broader financial analysis.
How often should I retake the questionnaire?
Consider reviewing it yearly or after a major change in goals, income, obligations, or investment experience.
Is this questionnaire financial advice?
No. It is an educational assessment and should not replace individualized advice from a qualified professional.