July 2026, Edition 3
Investment success depends not only on market knowledge but also on understanding your financial behaviour, emotional tolerance for uncertainty, and investment objectives. This self-assessment helps identify the investment approach most aligned with your risk appetite.
Instructions: Select the option that best reflects your typical behaviour or preference. Record the corresponding score for each answer.
Total Score | Investor Profile | Characteristics |
<20 | Conservative Investor | Prioritises capital preservation, stable income and low volatility. Prefers Treasury Bills, government bonds, money market funds and high-quality fixed-income securities. |
| Moderately Conservative Investor | Seeks modest growth while limiting downside risk. Comfortable with a mix of fixed income and selected equities. |
>25 | Balanced Investor | Pursues a balance between growth and stability. Willing to accept moderate market fluctuations for better long-term returns. |
>35 | Growth Investor | Focuses on long-term capital appreciation and tolerates significant market volatility. Portfolio is typically equity-heavy. |
>42 | Aggressive Investor | Seeks maximum returns, understands market cycles and accepts substantial risk, heavy on equities and AI. |
Your risk profile should guide, not dictate, your investment decisions. Factors such as your age, financial obligations, income stability, liquidity needs, and investment horizon are equally important. Markets fluctuate, and risk tolerance can evolve over time as personal circumstances change.
A well-diversified portfolio aligned with your financial goals and behavioural tendencies is generally more sustainable than pursuing the highest possible returns. Investors should periodically reassess their risk profile, particularly after significant life events or changes in financial circumstances.
Note: This questionnaire is intended as an educational self-assessment tool and should not be considered personalized financial advice. Before making investment decisions, consider consulting a licensed financial adviser and evaluating your complete financial situation.
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