Risk Assessment Tool
Answer eight quick questions to discover your investor risk profile. You will get a suggested asset allocation across equity, debt and gold, plus the types of mutual funds that suit you.
1.What is your age group?
2.How long can you stay invested without needing this money?
3.What is your main goal for this investment?
4.How stable is your monthly income?
5.If your investment fell 20% in a few months, you would:
6.How much investing experience do you have?
7.What share of your monthly income can you invest?
8.Do you have an emergency fund for unexpected expenses?
Answer all 8 questions to see your risk profile and suggested asset allocation.
How to use your risk profile
Your risk profile is the starting point of every sound investment plan. Once you know it, use the suggested asset allocation as a blueprint: decide how much of your money belongs in equity, debt and gold before you pick a single fund.
When choosing schemes, match them to your profile using the SEBI Riskometer printed on every mutual fund. A Conservative investor should lean towards funds marked Low to Moderate, while an Aggressive investor can consider funds marked High or Very High. This keeps the funds you own consistent with the risk you set out to take.
Markets move, so your actual allocation will drift over time. Review it once a year and rebalance back towards your target. Revisit this assessment every two to three years, or sooner if your income, age or responsibilities change meaningfully.