Free Tool
What’s Your Risk Profile?
Answer a few quick questions and we’ll show you an asset allocation that fits your goals, timeline, and comfort with volatility.
Risk Assessment Questionnaire
How This Assessment Works
The Model
This questionnaire evaluates your risk tolerance across seven dimensions: time horizon, investment goals, reaction to losses, portfolio concentration, experience level, income needs, and self-assessed risk tolerance. Each answer is scored from 1 (most conservative) to 5 (most aggressive), and your average score determines your risk profile.
Scoring Method
- Each of the 7 questions has answers scored 1 through 5
- Your average score across all questions determines your profile
- 1.0 – 1.8: Conservative
- 1.9 – 2.5: Moderately Conservative
- 2.6 – 3.4: Moderate
- 3.5 – 4.2: Moderately Aggressive
- 4.3 – 5.0: Aggressive
Assumptions
- All seven factors are weighted equally, in practice, some may matter more to your specific situation
- The suggested allocations are general guidelines, not precise recommendations
- Risk tolerance is just one input, your full financial plan should also consider income, expenses, tax situation, and goals
- Risk tolerance can change over time with life events, market experience, and proximity to financial goals
Interpreting Your Results
- Your risk profile name (e.g., Moderate) reflects your overall comfort with investment risk
- The suggested allocation shows a general portfolio mix of stocks, bonds, short-term instruments, and alternatives
- Higher stock allocations offer more growth potential but come with greater short-term volatility
- The average score shown helps you understand where you fall within your profile range
Tips for Using This Tool
- Answer based on how you would actually behave, not how you think you should behave
- If you are unsure, consider how you felt during past market downturns
- Take the assessment again periodically, your risk tolerance may evolve over time
- Use this as a starting point for a deeper conversation with an advisor about your investment strategy
- A qualified advisor can assess additional factors like tax efficiency, estate planning, and liability management
All computation happens in your browser. No data leaves your device.
This tool is provided for educational and informational purposes only. It does not constitute personalized investment advice, a recommendation, or an offer to buy or sell any securities. Your actual risk tolerance and appropriate asset allocation may differ based on factors not captured in this questionnaire. Please consult with a qualified financial advisor before making investment decisions. Rubric Advisors, LLC accepts no liability for any loss or damage arising from the use of this tool. All responses are processed entirely in your browser and no data is transmitted or stored.
Brought to you by Rubric Advisors
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