Risk Tolerance Assessment
Behavior-based scoring across time horizon, drawdown reaction, debt stress, emergency reserves, and real-world capacity.
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Section 1 — Time Horizon & Behavior
Q1Weight 8
Age band
Used only as one factor, not a recommendation on its own.
Q2Weight 14
Primary investment horizon
When will you likely need most of this money?
Q3Weight 16
If your portfolio fell 20% in 6 months
Behavior in drawdowns often reveals actual risk tolerance better than theory.
Section 2 — Financial Capacity & Stability
Q4Weight 10
Income stability
Stable cash flow generally supports higher risk capacity.
Q5Weight 10
Emergency fund coverage
Cash reserves reduce the chance you must sell investments at the wrong time.
Q6Weight 9
High-interest debt burden
Think credit cards, personal loans, or heavy EMI stress.
Q7Weight 7
Financial dependents
More dependents can reduce real-world risk capacity.
Q8Weight 9
Need for liquidity
How likely are you to need quick access to this invested money?
Section 3 — Experience & Return Preference
Q9Weight 8
Experience with market volatility
Past exposure can influence comfort during uncertainty.
Q10Weight 9
Which tradeoff feels most right?
This helps separate return-seeking from drawdown aversion.
10 questions remaining