HomeLearn & InvestToolsRisk Analyzer Custom TitleRisk Analyzer Page Content Content Editor What is your risk appetite? Select any one risk Conservative Moderate Aggressive Help me evaluate continue Showing Question 1 What is your Investment Horizon? How long can you keep your money invested in the market before needing access to it? Up to two years Two and three years Three and five years Five years and Ten years Ten years and more 2 The age group you belong to: Less than 25 years 25 – 35years 36 - 50 years 51 years above 3 How well do you understand investing in the markets? I am a novice. I don't understand the markets at all. I have basic understanding of investing. I understand the risks and basic investment concepts like diversification. I have an amateur interest in investing. I have invested earlier on my own. I understand how markets fluctuate and the pros and cons of different investment classes. I am an experienced investor. I have invested in different markets and understand different investment strategies. I have my own investment philosophy. 4 My current and future income sources (example: salary, business income, etc.) are: Very unstable Unstable Somewhat stable Stable Very Stable 5 From the following 5 possible investment scenario, please select the option which defines your investment objective? I cannot consider any Loss I can consider Loss of 4% if the possible Gains are of 10% I can consider Loss of 8% if the possible Gains are of 22% I can consider Loss of 25% if the possible gains are of 50% I can consider Loss of 14% if the possible Gains are of 30% 6 If your investment outlook is long-term (more than five years), how long will you hold on to a poorly performing portfolio before cashing in? Immediately if there is an erosion of my capital I'd hold for 3 months I'd hold for 6 months I'd hold for one year I'd hold for up to two years 7 Volatile investments usually provide higher returns and tax efficiency. What is your desired balance? Preferably guaranteed returns, before tax efficiency Stable, reliable returns, minimal tax efficiency Some variability in returns, some tax efficiency Moderate variability in returns, reasonable tax efficiency Unstable, but potentially higher returns, maximizing tax efficiency 8 If a few months after investing, the value of your investments declines by 20%, what would you do? Cut losses immediately and liquidate all investments. Capital preservation is paramount. Cut your losses and transfer investments to safer asset classes. You would be worried, but would give your investments a little more time. You are ok with volatility and accept decline in portfolio value as a part of investing. You would keep your investments as they are. You would add to your investments to bring the average buying price lower. You are confident about your investments and are not perturbed by notional losses. 9 Which of these scenarios best describes your "Risk Range"? What level of losses and profits would you be comfortable with? select choice worst year best year A Investment A 1 % 15 % B Investment B -5 % 20 % C Investment C -10 % 25 % D Investment D -14 % 30 % E Investment E -18 % 35 % 1 2 Error continue Conservative Your risk profile is Conservative. You are an investor who has expectations of low to moderate kind of returns with lower levels of risk in order to preserve your capital. As a conservative investor, you might expect your portfolio to be allocated approximately 15% in growth assets, with the remainder in defensive assets and an allocation to gold. You are an investor who would like to invest in both income and growth assets. You will be comfortable with calculated risks to achieve good returns, however, you require an investment strategy that adequately deals with the effects of inflation and tax. As a moderate investor, you might expect your portfolio to be allocated approximately 45% in growth assets, with the remainder in defensive assets and an allocation to gold. You are an investor who is comfortable with a high volatility and high level of risk in order to achieve relatively higher returns over long term. Your objective is to accumulate assets over long term by primarily investing in growth assets. As an aggressive investor, you might expect your portfolio to be allocated up to 75% in growth assets and an allocation to gold. Retake Questionnaire Go Back continue Equity Asset Class Fixed Income Asset Class Gold Asset Class For a conservative investor like you, you may allocate your portfolio in such a way that majority i.e 75% is in Fixed Income (debt) while 15% in equity and a standard allocation of 10% in gold For a moderate investor like you, You may allocate your portfolio in a balanced way to debt and equity such as you have 45% in Fixed Income and another 45% in Equity and a standard allocation of 10% in gold For an aggressive investor like you, you may allocate your portfolio in such a way that majority i.e 75% is in Equity while 15% in Fixed Income (Debt) and a standard allocation of 10% in gold Now that you know the broader asset allocation across asset classes , you may consider the below indicative asset allocations across our various schemes. Equity Asset Class Fixed Income Asset Class? Gold Asset Class Please note that the above Asset Allocation is indicative. Please Click here to invest as per your choice. Note: Readers are advised to seek independent professional advice and arrive at an informed investment decision before making any investments
