Risk Analyser - Geojit
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Risk Analyser

A risk profile is an assessment of an individual’s willingness to take risk. Essentially, a measure of how much risk a person will accept in lieu of directly proportional profits. With the increase in the number of financial instruments over the years, it has become an imperative first step in investing.

Your risk profile is determined by objective factors (age , income level, number of dependents, security of your job) and subjective factors (risk behaviour intrinsic to each individual's psychology).

For example, men in their 20s are more likely to invest in equity than in fixed deposits.

The Risk Analyser takes you through a series of scientifically designed multiple choice questions to understand your risk taking capacity and behaviour to arrive at an assessment of your risk profile. Please take a few minutes to answer these questions in order to determine your risk profile.

  1. Your age is :
    •  Under 30
    •  30 - 40
    •  41 - 50
    •  51 - 60
    •  60 or over
  2. Your current annual take-home income is :
    •  Under(Rs )100,000
    •  between (Rs )100,000 and Re.200,000
    •   between (Rs )200,000 and Re.500,000
    •   between (Rs )500,000 and Re.10,00,000
    •  over (Rs )10,00,000
  3. The number of years you have until retirement is :
    •  3 years or less
    •  3 to 5 years
    •  5 to 10 years
    •  10 to 15 years
    •  15 years or more
  4. Your present job or business is :
    •  Is not dependable
    •  Is relatively secure
    •  Is secure
    •  doesn't matter as you already have enough wealth
    •  doesn't matter as you can easily find an equally good new job/career
  5. What is your expectation of how your future earnings would be :
    •  It would far outpace inflation
    •  It would be somewhat ahead of inflation
    •  It would keep pace with inflation
    •   It may not be able to keep pace with inflation
  6. How would you describe yourself as a risk-taker?
    •  Careless
    •  Willing to take risks for higher returns
    •  Can take calculated risks
    •  Low risk taking capability
    •  Extremely averse to risk
  7. How good is your knowledge of finance?
    •  I'm an expert in the field of finance
    •  I'm proficient in finance
    •  I don't know much about finance but I keep myself updated about the developments through newspapers, journals, TV, etc.
    •  Limited to knowing things like how the stock market or certain select script is / are moving
    •  I'm totally zero as far as knowledge of finance is concerned
  8. If you lose your job or stop working today, how long do you think your savings can support you
    •  Less than 3 months
    •  3 - 6 months
    •   6 months to 1 year
    •  1 - 3 years
    •  More than 3 years
  9. If you had (Rs )50,000 to invest, which of the following choices would you make ?
    •  Put the money in Bank Fixed Deposit and Bonds
    •  Invest the money in Mutual Funds
    •  Invest the money in Shares
    •  Invest in a combination of the above with higher proportion of Bank FDs and Bonds
    •   Invest in a combination of the above with higher proportion of Mutual Funds and shares
  10. You have a market tip on the price appreciation of a certain scrip, you :
    •  Immediately invest in the scrip
    •  Invest if you feel that the source of the tip is an experienced / expert market player
    •   Do some enquiry and analysis and then decide
    •  Want to invest but are generally unable to take a decision in such cases
    •  You don't rely on such tips or totally ignore it
  11. You are on a TV game show and you win (Rs )10,000. You have a choice to keep the money or risk it to win a higher amount. You :
    •  Are happy with the (Rs )10,000 that you've earned
    •  Risk the (Rs )10,000 on a 50% chance of winning (Rs )30,000
    •  Risk the (Rs )10,000 on a 25% chance of winning (Rs )75,000
    •  Risk the (Rs )10,000 on a 10% chance of winning (Rs )1,00,000
  12. Which one of the following best describes your feeling immediately after making an investment, you :
    •  Are not bothered - it's just another investment for you
    •  Are satisfied and content with the decision
    •  Are not very sure whether you made the right decision
    •  Are worried
    •  Generally regret your decision
  13. The stock market has dropped 25% and a share that you own also dropped 25%, but the market expects the share to go up again. What would you do?
    •  Sell all the shares
    •  Sell some of them
    •   Buy more of them
    •  Keep all of them as you expect the price to reach the earlier level
    •  Keep all of them as you are afraid of booking a loss
  14. You have a substantial sum of money to spare for about 6 months after which you need this sum to repay a loan, this sum is currently not invested anywhere. You would:
    •  Keep the money in your Bank Fixed Deposit or Open ended Debt Mutual Funds
    •  Invest the money in Open ended Equity Oriented Mutual Fund
    •  Invest the money in Equity Shares
    •  Loan the money at market rates to businessmen
    •  Invest the money in a combination of above
  15. You are financially responsible for (exclude dependants who can be supported by your spouse's income)
    •  only yourself.
    •   1 person besides yourself
    •  2 to 3 persons besides yourself
    •   4 to 5 persons besides yourself
    •   More than 5 persons besides yourself
  •  

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