10 questions. 2 minutes. Know whether you're Conservative, Moderate or Aggressive — with personalised asset allocation and mutual fund picks tailored for India.
Risk profiling is the most critical first step before any investment decision. Without knowing your true risk tolerance, you may end up in equity funds that trigger panic-selling during crashes — destroying wealth at exactly the wrong moment. Or stay too conservative, earning 7% when inflation is 6%, losing real purchasing power year after year.
Conservative investors prioritise capital safety — FD, PPF, debt funds, 7-8% returns for stability. Moderate investors accept some volatility (50-60% equity, 30-40% debt, 10% gold). Moderately Aggressive hold 70-75% equity. Aggressive investors (75-90% equity) have long horizons and see corrections as buying opportunities, not emergencies.
The true test is how you behave when your portfolio is down 30%, not how you answer a questionnaire. Novice investors consistently overestimate their tolerance. If the 2020 COVID crash made you lose sleep or sell, you are more conservative than you think. Answer our quiz honestly, especially the behavioural questions about market crashes.
Conservative investors: Liquid funds for short-term (Parag Parikh Liquid), PPF for 15-year tax-free returns at 7.1%, ICICI Pru Short Term Fund for 2-3 year horizon, and HDFC Balanced Advantage Fund for minimal equity exposure. Avoid direct equity, mid-cap, and small-cap funds entirely.
Yes — it should. Risk capacity decreases as you age, approach financial goals, or have more dependents. A 25-year-old with 35 years to retirement can hold 80% equity. The same person at 55 with 5 years to retirement should be at 40-50% maximum. Reassess every 3-5 years or after major life events (marriage, job change, new child).
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