Investor Profiling Tool

Investor Risk Profile Assessment

Evaluate your risk tolerance, investment time horizon, and financial preparedness across 15 structured questions to discover your optimal asset allocation mix.

Risk Assessment

Find Your Ideal Asset Allocation

Before picking individual mutual funds, understanding your risk capacity and time horizon is essential to building a portfolio you can stick with across market cycles.

• Takes approximately 4 to 5 minutes to complete
• Evaluates risk appetite, liquidity buffers, and financial security
• Generates an instant, custom Equity-Debt-Gold allocation roadmap
Question 1 of 15
What is your primary investment objective?
Capital protection with minimal volatility (Safety first)
Regular monthly cash flow and stable interest income
Balanced growth with moderate downside protection
Long-term wealth creation and maximum capital appreciation
Question 2 of 15
What is your planned investment time horizon?
Short term (Less than 3 years)
Medium term (3 to 7 years)
Long term (7 to 15 years)
Very long term / Retirement horizon (15+ years)
Question 3 of 15
Do you have a dedicated emergency fund set aside?
No dedicated emergency fund yet
Currently building my emergency savings
Yes, 3 to 6 months of monthly living expenses in liquid funds/FDs
Yes, 6+ months of expenses fully secured in safe liquid accounts
Question 4 of 15
If your investment portfolio dropped by 20% during a market correction, what would you do?
Sell everything immediately to prevent further losses
Feel very anxious and consider shifting into safe debt/FDs
Stay patient and wait for the market to recover without selling
View lower valuations as an opportunity and invest additional capital
Question 5 of 15
What is your current debt situation?
High debt burden (credit card dues, high-interest personal loans)
Moderate debt (active home loan or car loan with regular EMIs)
Low debt (small EMIs taking up less than 15% of monthly income)
Completely debt-free with zero active loans
Question 6 of 15
What percentage of your monthly income can you comfortably save and invest?
Under 10% of monthly income
10% to 20% of monthly income
20% to 30% of monthly income
Over 30% of monthly income
Question 7 of 15
Select your current age bracket:
Under 30 years (Early career & long wealth-building horizon)
30 to 45 years (Peak earning & family building phase)
45 to 60 years (Pre-retirement accumulation & consolidation)
60+ years (Post-retirement & regular income phase)
Question 8 of 15
What is your current insurance coverage status?
No active life or health insurance policies
Basic corporate health insurance provided by my employer only
Personal health cover plus basic life insurance / endowment plans
Comprehensive family health cover + pure term life insurance (10x+ annual income)
Question 9 of 15
How would you describe your past investing experience?
Beginner (First-time investor in mutual funds or market assets)
Conservative (Familiar primarily with bank FDs, PPF, and post office schemes)
Intermediate (Active mutual fund SIPs and some stock market exposure)
Experienced (Active across mutual funds, direct equities, debt, and asset allocation)
Question 10 of 15
Which best describes your overall household financial stability?
Tight (Living paycheck to paycheck with minimal surplus)
Stable (Income covers expenses with a modest monthly savings rate)
Comfortable (Predictable income with strong recurring savings capacity)
High Surplus (Established asset base and significant cash flow)
Question 11 of 15
How predictable is your primary source of income?
Variable / Freelance / Commission-dependent income
Contractual or business income subject to market cycles
Stable salaried employment in an established company
Highly secure (Tenured government service, established family business, or pension)
Question 12 of 15
How many dependents rely on your income?
Zero (Financially independent / Single)
1 to 2 dependents (Spouse or child)
3 to 4 dependents (Spouse, children, dependent parents)
5+ dependents across a multi-generational household
Question 13 of 15
How important is immediate access to your invested money?
Critical (May need access within 24 to 48 hours for emergencies)
Moderate (Might need partial access within 1 to 2 years)
Low (Can comfortably lock in funds for 3 to 5 years)
Not important (Capital is dedicated purely to 7+ year compounding goals)
Question 14 of 15
How comfortable are you with mutual fund concepts and capital gains taxes?
Basic (Prefer complete expert guidance from an advisor)
Fair (Understand standard FDs, PPF, and tax slabs)
Good (Familiar with equity vs debt mutual funds, SIPs, and LTCG tax)
Advanced (Understand asset allocation, tax-loss harvesting, and DTAA rules)
Question 15 of 15
Which expected return scenario aligns best with your expectations?
6%–7% fixed return with zero portfolio volatility
8%–10% return aiming to beat inflation with minor fluctuations
12%–14% expected long-term return while accepting standard market dips
15%+ maximum compounding focus with high equity exposure