Comprehensive Risk Assessment
This questionnaire goes beyond standard risk tolerance assessments by evaluating both your financial capacity for risk and your behavioural response to market volatility. Answer honestly based on how you would actually react — not how you think you should react.
Section 1: Financial Capacity
Time Horizon
When will you need to access the majority of these invested funds?
- Within 3 years (Score: 1)
- 3-7 years (Score: 2)
- 7-15 years (Score: 3)
- 15-25 years (Score: 4)
- 25+ years (Score: 5)
Income Stability
How stable and predictable is your employment income?
- Highly variable (commission, contract, startup) (Score: 1)
- Somewhat variable (small business, seasonal) (Score: 2)
- Stable with some variability (salaried with bonus) (Score: 3)
- Very stable (tenured professional, government) (Score: 4)
- Multiple stable income sources (dual professional income) (Score: 5)
Section 2: Behavioural Willingness
Market Decline Response
Your portfolio drops 25% in 6 weeks (a $250,000 portfolio is now worth $187,500). What do you actually do?
- Sell everything immediately to prevent further losses (Score: 1)
- Sell some positions to reduce exposure (Score: 2)
- Do nothing — hold and wait for recovery (Score: 3)
- Rebalance — buy more of what declined (Score: 4)
- Aggressively add new money — this is a buying opportunity (Score: 5)
Interpreting Your Score
| Total Score | Risk Profile | Suggested Equity Allocation | Portfolio |
|---|---|---|---|
| 5-10 | Conservative | 20-40% | Conservative model |
| 11-15 | Moderate | 40-60% | Balanced model |
| 16-20 | Growth | 60-80% | Growth model |
| 21-25 | Aggressive | 80-100% | All-equity model |
This self-assessment provides a starting point. For a comprehensive evaluation that considers your complete financial picture — including corporate structure, insurance coverage, real estate, and family situation — schedule a consultation with our team.