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Riskalyze is one of the industry’s premier risk tolerance profilers. While you need a full financial plan to truly determine your allocation model, Riskalyze is a great start. Click below to get your risk number, and see if your current portfolio actually matches up or not!

What's Your Risk Number?

It’s difficult to invest wisely without understanding what’s required to reach your financial goals

We may say we want X% return, or the next hot IPO. We may boast of owning the hot new fund, or buying emerging market debt at the bottom. These investing strategies may accomplish your goals, or leave you penniless.

In reality, we all just want to reach our financial goals so we can enjoy life. Retire when you want, retire the way you want, spend as much as your finances will allow while trying to make sure you never run out of money.

There are three components to understanding what’s required to reach your financial goals:

Risk Required

How much risk you need to take in order to achieve the investment returns which allow you to meet your financial goals?

Risk Capacity

How much risk can you afford to take in the process? Will a major financial downturn completely derail your financial plan?

Risk Tolerance

How much risk you are emotionally able to handle? Can you embrace extreme ups-and-downs in the market? Or are you emotionally capable of only small swings?

Your risk tolerance is the only one which is emotional in nature. It gauges how much volatility you’re comfortable with.

What risk tolerance you’re comfortable with will tell us if you have more money than you can spend. If you’re like the rest of us however, your risk capacity and risk required aren’t just important, they’re far more critical than your risk tolerance.

Retirement planning must be based on all three factors to some extent. One or two alone can easily leave your financial success to chance.

Are you a conservative investor? Are you a conservative investor? - Graphic
Or an aggressive investor? Are you an agressive investor? - Graphic

You’re going to love how Riskalyze empowers you to
become a fearless investor.

Does Your Risk Tolerance Actually Meet Your Financial Needs?

That’s the real question. Your risk score is merely a guideline. If your actual portfolio doesn’t match it, you’re going to experience unwanted volatility or lackluster returns. Either way, it won’t match your financial plan and goals.

Risk tolerance is an investor's general ability to withstand risk inherent in investing. This risk tolerance questionnaire is designed to determine your risk tolerance and is judged based on factors such as: time horizon, 1ong-term goals and expectations, and short-term risk attitudes. The adviser uses their own experience and subjective evaluation of your answers to help determine your risk tolerance.

 There is no guarantee that the risk assessment questionnaire will accurately assess your tolerance to risk. In addition, although the advisor may have directly or indirectly used the results of this questionnaire to determine a suggested asset allocation, there is no guarantee that the asset mix appropriately reflects your ability to withstand investment risk.

Asset Allocation does not guarantee a profit or protect against a loss in a declining market.  It is a method used to help manage investment risk.