An 18-question institutional-grade assessment covering financial capacity, behavioral tendencies, and investment knowledge — producing a personalised risk profile and portfolio allocation.
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Question 01 / 18 · Financial Capacity
What is your current age?
Age determines your investment horizon and capacity to recover from losses.
Please enter a valid age between 18 and 100.
Question 02–03 / 18 · Financial Capacity
What are your total savings and how much are you willing to invest?
A larger uninvested cushion means you can afford to take more risk with your invested capital.
Total liquid savings
$
Amount willing to invest
$
Please complete both fields. Investment cannot exceed savings.
Question 04 / 18 · Financial Capacity
What is your approximate monthly net income?
Higher income means a greater ability to replenish capital if investments underperform.
Question 05 / 18 · Financial Capacity
What percentage of your monthly income goes toward debt repayments?
High debt obligations reduce your true capacity to absorb investment losses.
Question 06 / 18 · Financial Capacity
How many financial dependents do you have?
Dependents increase the consequences of financial loss and reduce flexibility.
Question 07 / 18 · Financial Capacity
How stable is your income?
Stable income means you can hold investments through downturns without being forced to sell.
Question 08 / 18 · Financial Capacity
Have you secured at least 6 months of living expenses as an emergency fund?
Without a buffer, a market downturn may force you to sell investments at the worst time.
Question 09 / 18 · Investment Preference
What is the primary goal of this investment?
Your goal determines the appropriate return profile and risk level.
Question 10 / 18 · Investment Preference
How long do you intend to remain invested?
A longer horizon is the single strongest indicator of risk capacity — time allows recovery from volatility.
Question 11 / 18 · Investment Preference
How likely are you to need access to this money within the next 2 years?
Liquidity needs force premature selling, often at a loss during downturns.
Question 12 / 18 · Behavioral
What is the maximum portfolio loss you could tolerate before losing sleep?
Be honest — most investors overstate their tolerance before experiencing real losses.
Question 13 / 18 · Behavioral
Your portfolio drops 25% in three months. What do you do?
Answer based on what you would actually do — not what you think you should do. This is the most predictive question in the assessment.
⚠️ Your answer here appears inconsistent with your stated loss tolerance. This is noted — we will apply the more conservative reading to protect your interests.
Question 14 / 18 · Behavioral
Which investment scenario best matches your expectations?
Question 15 / 18 · Behavioral
How did you respond during the last major market downturn you experienced?
Past behavior under stress is the strongest predictor of future behavior.
Question 16 / 18 · Investment Knowledge
How would you describe your understanding of financial markets?
Question 17 / 18 · Investment Knowledge
When interest rates rise, what typically happens to existing bond prices?
This is an objective question with a correct answer.
Question 18 / 18 · Investment Knowledge
Which best describes portfolio diversification?
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out of 10
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⚠️ Consistency note: Your stated loss tolerance and behavioral response to a 25% drawdown were contradictory. In line with best practice, we have applied the more conservative reading to protect your interests. We recommend discussing this with a qualified financial advisor.
Capacity vs. Appetite
Risk Capacity
—
What you can financially afford to lose
Risk Appetite
—
What you are emotionally comfortable losing
Your final profile is based on the lower of these two scores — following institutional best practice.
Score Breakdown
Suggested Portfolio Allocation
Geographic Diversification
This assessment is for informational and educational purposes only. It does not constitute financial advice, a solicitation, or a recommendation to buy or sell any security. All investments carry risk including the possible loss of principal. Past performance is not indicative of future results. Please consult a qualified financial advisor before making any investment decisions.