Personal finance
Investment Risk Score
Risk tolerance is how you feel. Risk capacity is what your cash buffer and time horizon allow. This scores both.
Risk profile — Growth
67/100
- Stocks
- 75%
- Bonds
- 20%
- Cash
- 5%
- Expected long-run return
- 6.4% / yr
- Typical yearly swing
- ±13%
- Plausible bad year
- -31%
No single factor is holding you back. Your capacity and your temperament are roughly aligned.
Reading the score honestly
The score weights time horizon and your reaction to a crash most heavily, because those two decide whether you are still invested at the bottom. Everything else is secondary.
Look at the plausible bad year before the expected return. If a portfolio falling by that amount would force you to sell — to cover rent, a deposit or a job gap — the allocation is too aggressive no matter what the score says.
These are rule-of-thumb figures from long-run asset class history, not a forecast and not financial advice. Use them to frame a conversation, and check anything consequential with a regulated adviser who can see your full position.