Risk Tolerance Quiz
Answer five quick questions about your time horizon, reaction to a drop, and goals to find a typical stock/bond/cash allocation range for your investor profile.
The five investor profiles
Every profile maps to a typical allocation range, not a single number — the point is to give you a reasonable starting range to reason about, not false precision from five multiple-choice questions.
| Profile | Stocks | Bonds | Cash |
|---|---|---|---|
| Conservative | 20–35% | 55–70% | 10–15% |
| Moderate | 40–55% | 35–50% | 5–10% |
| Balanced | 60–70% | 25–35% | 0–5% |
| Growth | 75–90% | 10–20% | 0–5% |
| Aggressive Growth | 90–100% | 0–10% | 0% |
How it works
Five questions cover your time horizon, how you would actually react to a real 20% drop, income stability and emergency savings, investing experience, and your primary goal for the money. Each answer is worth points; the total maps to one of five profiles above. Nothing is saved or sent anywhere — the quiz and the scoring both run entirely in your browser.
This is a starting point for self-reflection, not personalized investment advice, and the ranges above are typical, not prescriptive. Your actual allocation should account for your complete financial picture — consult a licensed advisor for a plan built around your specific situation.
Keep going
Once you have a range in mind, see how it behaves over your own timeline with the Monte Carlo simulator, or work out how much you need to save toward a goal with the financial goal calculator.
Common questions
What is risk tolerance?
Risk tolerance is how much volatility and potential loss you can handle, both financially and emotionally, in pursuit of higher long-run returns. It combines your time horizon, financial stability, and temperament — someone with 30 years until retirement and a stable income can typically absorb more short-term risk than someone withdrawing money next year.
Is this quiz giving me investment advice?
No. It maps your answers to a typical allocation RANGE that investors with a similar profile often use as a starting point — it is a self-reflection tool, not a personalized recommendation. Your actual allocation should account for your complete financial picture, and a licensed advisor can help with that.
Why a range instead of one exact allocation?
Two people with the same quiz score can have very different specifics — one might already have a pension, another might not. A range keeps the tool honest about what five questions can and cannot tell you, rather than presenting false precision.
How is my score calculated?
Each answer is worth points reflecting a higher or lower risk capacity; the total across all five questions maps to one of five profiles, from Conservative to Aggressive Growth. Nothing you enter is saved or sent anywhere — the whole quiz runs in your browser.