What problem does the quiz solve?
"What is your risk appetite?" is usually asked as one question, and people answer it with how they feel that week. Two different things hide inside it. Capacity is whether your finances can take a fall without forcing you to sell. Tolerance is whether you would hold through one. Someone can have plenty of one and little of the other.
The risk profile quiz scores both and lets the weaker one lead. It needs no account, nothing is saved, and the scoring runs in your browser.
The ten questions
Each answer scores 0 to 10, and each question carries a weight; the weights add to 100.
| # | Question | Measures | Weight |
|---|---|---|---|
| 1 | How old are you? | capacity | 10 |
| 2 | When will you need most of this money? | capacity | 18 |
| 3 | What is it mainly for? | tolerance | 8 |
| 4 | How steady is your income? | capacity | 10 |
| 5 | Your ₹10 lakh falls to ₹7 lakh in six months. You… | tolerance | 18 |
| 6 | Have you invested in equity before? | tolerance | 8 |
| 7 | How much of your monthly income can you invest? | capacity | 8 |
| 8 | Do you have 6 months of expenses set aside? | capacity | 8 |
| 9 | Who depends on your income? | capacity | 6 |
| 10 | How much of your income goes to EMIs? | capacity | 6 |
The horizon and the ₹10 lakh question carry the most weight. Capacity is scored out of 100 on its seven questions and tolerance out of 100 on its three. The headline score is the weighted total of all ten, capped at the capacity score. The page puts the reason plainly: wanting risk does not create the ability to carry it.
How do I take it?
- Open /risk-profile and pick one option per question. The side panel counts "N of 10 answered" until you finish.
- Read Your profile: the label, then the score with capacity and tolerance beside it.
- Read the Suggested split chart and the riskometer band to shop in.
- Optionally press Build the basket →, which carries four answers into the basket planner.
Five profiles
| Profile | Score | Equity / debt / gold | Riskometer band |
|---|---|---|---|
| Conservative | 0–29 | 20 / 70 / 10 | Low to Moderate |
| Moderately conservative | 30–47 | 40 / 50 / 10 | Moderate to Moderately High |
| Moderate | 48–64 | 60 / 30 / 10 | Moderately High to High |
| Moderately aggressive | 65–79 | 75 / 20 / 5 | High to Very High |
| Aggressive | 80+ | 90 / 5 / 5 | Very High |
The band refers to SEBI's riskometer, the six-level label every scheme carries. The riskometer guide explains how a scheme's level is set.
Worked example: three answer sets
These are hypothetical answer sets, scored with the quiz's own function.
Investor A, 34. Needs the money in 5–10 years, saving for retirement a long way off. Steady income, one earner. Would stop the SIP and wait if ₹10 lakh fell to ₹7 lakh. Has invested a little in the last couple of years, saves 10–25% of income and has 2–3 months set aside. Supports children and parents, with EMIs under 25% of income.
- Capacity 62, tolerance 44, total 55.6, so the score is 56: Moderate, 60/30/10.
Investor B has A's finances exactly, but would invest more while it's cheap, has held equity through at least one big fall, and is growing wealth with no fixed date.
- Tolerance jumps to 100 and the raw total to 74.6, which would be Moderately aggressive. Capacity is still 62, so the score is capped at 62: still Moderate. The page adds a line saying the answers about risk read higher than the finances support, so the profile follows capacity.
Investor C, 55. Needs the money in 3–5 years, with irregular income and nothing set aside. Saves under 10% and pays 25–50% of income in EMIs. Has the same bold answers to the three tolerance questions as B.
- Tolerance 100, capacity 25. The score is 25: Conservative, 20/70/10.
A and B end in the same place for different reasons. A is held back by temperament, B by finances. C shows how far the cap can pull: the raw total was 50, enough for Moderate, and the profile still lands at Conservative.
What the Build the basket link carries
The link passes four things to the basket planner: an age (35 for the 30–40 answer), a horizon in years (7 for 5–10 years), the appetite, and whether six months of expenses are set aside. For Investor A that is age=35&yrs=7&risk=moderate&ef=0. The planner then asks for income, expenses and existing investments. Its basket of named funds appears only to signed-in users; the quiz itself stays open to everyone.
What the quiz does not do
- It names no funds. The split is at the level of asset class.
- It does not know your full situation. Insurance, loans beyond the EMI share, and other assets are outside it.
- It is not a suitability assessment. WealthTicker is not a SEBI-registered adviser, and the page calls the result a starting point.
Retake it after a large change, such as a new dependant, a home loan or variable pay, because capacity moves even when temperament does not. Asset allocation by age gives another starting split, and five questions to ask before buying a fund picks up where the profile stops. For the tolerance side, the psychology of a market crash is worth reading before the ₹10 lakh question is real.
Frequently asked questions
What is the difference between risk capacity and risk tolerance?
Capacity is whether your finances can absorb a fall: horizon, age, income, savings, emergency fund, dependants and EMIs. Tolerance is whether you would sit through one. In WealthTicker's quiz, seven questions worth 66 of 100 points measure capacity and three worth 34 measure tolerance.
Why did the risk profile quiz give me a lower profile than I expected?
The score can never exceed your capacity score. In one example, an investor who would invest more during a fall scored 75 overall, which is Moderately aggressive, but their capacity was 62, so the profile stayed Moderate. The page says so when this cap applies.
What asset allocation goes with each risk profile?
Conservative 20/70/10 equity/debt/gold, Moderately conservative 40/50/10, Moderate 60/30/10, Moderately aggressive 75/20/5 and Aggressive 90/5/5. These are category-level starting points; the quiz names no funds.
This is commentary on published data, not investment advice. WealthTicker is not a SEBI-registered adviser or distributor. Figures are WealthTicker’s own calculations from public data — AMFI’s fund NAVs and disclosures, NSE’s index and FII/DII files, and the fund houses’ monthly portfolios (how we calculate). They are as of the dates stated and can be revised by their source.
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