Calculator Risk Profile

Risk Tolerance 1 / 10

What is your primary goal for this investment?

Preserve my capital — I cannot afford any loss Generate steady income with minimal risk Balanced growth with moderate risk Grow my wealth significantly over time Maximise long-term returns — I accept high volatility

Risk Capacity 2 / 10

How long do you plan to stay invested before you need this money?

Less than 1 year 1 – 3 years 3 – 5 years 5 – 10 years More than 10 years

Risk Tolerance 3 / 10

Imagine your portfolio drops 20% in one month. What would you do?

Sell everything immediately to stop further loss Sell some holdings to reduce exposure Hold and wait for recovery Hold and consider buying more at lower prices Confidently buy more — this is an opportunity

Risk Capacity 4 / 10

How stable is your current income?

Very unstable — irregular or likely to stop soon Somewhat unstable — variable or uncertain Moderate — steady but could change Stable — salaried or predictable business income Very stable — multiple income sources or high job security

Risk Tolerance 5 / 10

Which investment outcome would you prefer?

No chance of loss — even if returns are very low Low risk of small loss — modest returns Moderate chance of moderate loss — decent returns Higher chance of significant loss — higher returns High chance of large loss — but potential for exceptional returns

Risk Capacity 6 / 10

Do you have an emergency fund covering at least 6 months of expenses?

No emergency fund at all I have 1 – 2 months covered I have 3 – 5 months covered Yes, 6 months covered Yes, more than 6 months covered

Risk Tolerance 7 / 10

How would you describe your past investing experience?

No experience — I have never invested before Minimal — only bank FDs or savings accounts Some — a few mutual funds or bonds Moderate — stocks and mutual funds for several years Extensive — actively traded equities, derivatives, or alternatives

Risk Capacity 8 / 10

What percentage of your total savings are you planning to invest?

More than 75% — almost all my savings 50 – 75% 25 – 50% 10 – 25% Less than 10% — a small portion

Risk Tolerance 9 / 10

Markets have been falling for 6 months. Your portfolio is down 30%. You feel:

Extremely anxious — I regret investing Worried — I think about it often Uncomfortable but patient — I trust it will recover Calm — this is a normal part of investing Excited — I am looking for more opportunities to buy

Risk Capacity 10 / 10

Do you have any significant financial obligations in the next 3 years? (e.g. home purchase, education, wedding)

Yes — large obligations likely requiring most of my savings Yes — significant but manageable obligations Maybe — some planned expenses but not certain Minor — small planned expenses only No — no significant near-term financial obligations

Investor Risk Profile