Investor Zone
Risk Profiler
Twelve questions, three minutes: your investor profile and a suggested equity, debt and other-asset split to start the conversation from.
What you will get
- One of five risk profiles, from Conservative to Very Aggressive
- A suggested equity, debt and other-asset split to start from
- The kind of fall to expect in a bad year, in plain numbers
- A personalised PDF, and a one-click handover to the Asset Allocation calculator
Twelve questions, about three minutes. Nothing is stored unless you choose to send it to us at the end.
Capacity, then temperament
Two different things get called risk appetite. One is capacity: how much loss your finances can absorb, which depends on your horizon, income stability, safety net and how soon you will need the money. The other is tolerance: how much loss you can live with, which depends on temperament and experience. A good profile weighs both, and never lets tolerance outrun capacity.
The questions here cover both sides. Purpose, share of net worth, provisions for major expenses, when the money is needed, income stability, future earnings and your household cushion measure capacity. Your return expectation, preferred asset mix, reaction to a fall and stated objective measure tolerance. Each answer scores two to ten points; that total is converted to a score out of 120, which places you in one of five profiles. Two guardrails cap the result where capacity is clearly limited.
The five profiles
| Profile | Risk | Score | Bad year |
|---|---|---|---|
| Conservative Portfolio | Low | 0 to 20 | In a bad year the portfolio might fall around 5% |
| Balanced Portfolio | Moderate Low | 21 to 40 | A poor year could mean a fall of about 10% |
| Moderate Aggressive Portfolio | Moderate | 41 to 60 | Expect a fall of 15% or so in a bad year, and years of 20%+ gains in good ones |
| Aggressive Portfolio | Moderate High | 61 to 100 | A bad year could take 20-25% off the portfolio |
| Very Aggressive Portfolio | High | 101 to 120 | A fall of 30% or more in a bad year is within the range |
The splits are deliberately round. Precision belongs to the plan, which starts from your goals; see the Asset Allocation, Retirement Buckets and Rebalancing calculators.
Frequently asked questions
Is the suggested split a recommendation?
It is a starting point. Risk profiling captures capacity and temperament; it does not know your goals, their dates or what you already hold. The actual allocation is set in a conversation, which is why the result offers one. Air Warrior Money is an AMFI-registered mutual fund distributor; the profiler does not recommend any scheme.
Why did my profile come out lower than my answers suggest?
Two guardrails override the score. Money needed within two years is capped at Balanced Portfolio, because a large fall in that window cannot be waited out. And without an emergency fund and life cover, the profile is capped at Moderate Aggressive Portfolio, because a market fall can force a sale at the worst time. Fix the underlying gap and retake it.
How is a serving officer's or pensioner's income treated?
As the most stable kind. An assured salary or pension raises capacity for risk: you can hold through a bad year without selling, and you do not depend on the portfolio for essentials. Many defence investors are more conservative in their portfolios than their circumstances justify.
Should I retake this?
Yearly, and after any big change: retirement or release, a new dependant, a large inheritance or terminal benefits, or a market fall that changed how you feel. The Rebalancing calculator shows what to move if the profile shifts.
What happens to my answers?
Nothing, unless you choose to send them with a callback request at the end. The profiler runs in your browser; there is no account and nothing is stored.
A profile is where the conversation starts.
Bring the result, and your goals, and we will turn it into an allocation and a plan.