Risk-Reward Profiler — WealthPsychology

01

When I hear the word "risk" in a financial context, my first reaction is:

A Excitement — risk means opportunity B Caution — I need more information C Anxiety — I think about what could go wrong D Avoidance — I prefer certainty

02

If your investments dropped 20% in value over three months, what would you most likely do?

A Buy more — this is a buying opportunity B Do nothing and wait for recovery C Sell some to reduce exposure D Sell everything and move to cash

03

How much of your portfolio should be in higher-risk assets to achieve your financial goals?

A More than 75% B 50% to 75% C 25% to 50% D Less than 25%

04

When an investment you hold goes up 30% rapidly, you:

A Feel great — you are tempted to add more B Feel good — you review your plan but stay the course C Feel nervous — you are thinking about taking profits D Feel relieved — you plan to sell soon

05

Your investment time horizon is:

A More than 20 years B 10 to 20 years C 5 to 10 years D Less than 5 years

06

How would you describe your investing experience?

A Experienced — I have actively managed investments for 10+ years B Moderate — I have some experience with stocks and funds C Limited — I mostly use savings accounts or retirement funds D None — this is new territory for me

07

You have $50,000 to invest. Which option appeals to you most?

A 100% equities — maximize growth potential B 70% equities / 30% bonds — growth with some stability C 50% equities / 50% bonds — balanced approach D 30% equities / 70% bonds — capital preservation first

08

When the media reports alarming economic news (recession fears, geopolitical risk), you feel:

A Interested — market dislocations create opportunity B Calm — short-term noise rarely changes my plan C Worried — I track my portfolio more closely D Fearful — I consider moving to safer assets

09

What is the maximum one-year loss you could tolerate without permanently changing your investment approach?

A More than 40% B 25% to 40% C 10% to 25% D Less than 10%

10

How do you typically feel after a 10% one-day market drop?

A Energized — significant drops are rare buying opportunities B Steady — I have seen this before and know markets recover C Unsettled — I check my portfolio frequently for several days D Distressed — I have difficulty focusing on other things

11

In an ideal world, your investment portfolio would prioritize:

A Maximum long-term growth — I can handle volatility B Growth with moderate volatility C Balanced returns with capital protection D Income and capital preservation above all

12

How do financial losses affect you emotionally compared to equivalent financial gains?

A Gains and losses feel roughly equivalent B Losses sting a bit more than gains feel good C Losses feel significantly worse than equivalent gains feel good D Losses are devastating — I replay them for a long time

13

When making investment decisions, you primarily rely on:

A Your own research and analysis B A mix of research and advisor input C Your financial advisor's recommendations D You avoid making investment decisions actively

14

How concerned are you about running out of money in retirement?

A Not at all — I have a solid plan B Somewhat — it motivates my saving habits C Quite — it causes regular worry D Very — it's one of my biggest fears