Find Your Investor Profile
8 quick questions to discover your risk appetite and get a personalized asset allocation recommendation.
What is your investment horizon?
Less than 1 year
1–3 years
3–7 years
7+ years
Questions & Answers
What are the 4 investor risk profiles?
The 4 investor profiles are: (1) Conservative — prioritizes capital preservation, suited for FD/PPF/debt; (2) Moderate — balanced growth with stability, 40% equity / 50% debt; (3) Aggressive — growth-focused, 70% equity / 20% debt; (4) Very Aggressive — maximum growth, 80% equity / 10% debt. Your profile depends on your risk tolerance, investment horizon, income stability, and financial goals.
Why does SEBI require risk profiling before mutual fund investment?
SEBI mandates risk profiling because not every investor should invest in every type of fund. High-risk equity funds can drop 30-40% in a year — a conservative investor might panic-sell at the worst time. Risk profiling ensures your investment choices match your actual capacity to tolerate losses, time horizon, and financial goals.
How often should I retake the risk profile assessment?
Retake the assessment whenever there is a significant life event: job change, marriage, having children, getting closer to retirement, or receiving a windfall. Your risk tolerance naturally decreases as you age and as your financial responsibilities increase. An annual review of your profile is good practice.