Free Tool
What’s Your Risk Profile?
Answer a few quick questions and we’ll show a hypothetical asset allocation based on your answers.
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 income, expenses, tax situation, and goals also matter
- 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. All responses are processed entirely in your browser and no data is transmitted or stored.
Brought to you by Rubric Advisors
Related guides
Accredited Investor Status: Who Qualifies and What It Means
An accredited investor meets SEC income, net worth, or license tests that allow buying certain private, unregistered securities.
Alternative Investment Due Diligence: What to Check Before Committing
Due diligence on a private fund reviews the manager, fees, liquidity terms, operations, legal documents, and tax effects before any capital is committed.
Alternative Investments: A Plain-English Primer
Alternative investments are assets beyond public stocks, bonds, and cash, such as private equity, private credit, and real estate, with less liquidity.
Angel Investing in Startups: Risks, Access, Terms, and Sizing
Angel investing means buying stakes in early-stage private companies; most return little or nothing, cash is locked up for years, and access is limited.
More Free Tools
Want help applying this? Talk to an AdvisorNot sure where to start?