Risk profile assessment

Fourteen questions that measure two different things separately: how much risk you are willing to take, and how much your situation can actually absorb. Most questionnaires measure only the first and call it your risk profile. Your result comes from both.

What it does

Eight questions score your tolerance — your appetite for uncertainty — and four score your capacity: how long until you need the money, what buffer you hold, how steady your income is and how many people depend on you. Two further questions record your experience without scoring it.

How to read the result

Capacity governs. Where your tolerance is higher than your capacity, the result follows capacity — because the market does not ask how willing you were when you suddenly need the money.
A gap is information, not a verdict. Capacity is the side that moves: a longer horizon, a bigger emergency fund and fewer fixed commitments all raise it, and they move faster than temperament does.
Retake it when your circumstances change. A new job, a new dependant or a shorter horizon moves capacity, and capacity is what sets the ceiling.

This assessment is for learning, not investment advice. Nothing you enter is saved.