Professional Risk Assessment
Discover Your Risk Profile in 2 Minutes
Answer a few simple questions to understand your risk appetite and get personalized mutual fund recommendations suited for your goals. As per SEBI guidelines, risk profiling is mandatory for investment advice.
Understanding Risk
Why Risk Profiling Matters
Understanding your risk profile is the foundation of sound investment planning
Risk Appetite
Your risk appetite reflects your willingness to accept investment volatility and potential losses in pursuit of higher returns. It's influenced by your personality, past experiences, and emotional comfort with market fluctuations.
Risk Capacity
Your risk capacity is your financial ability to take risks, determined by factors like income stability, investment horizon, existing assets, liabilities, and financial obligations. It's an objective measure of what you can afford to risk.
Time Horizon
Your investment time horizon - how long you can stay invested - significantly impacts your risk profile. Longer horizons allow you to ride out market volatility and benefit from equity investments, while short-term goals require more conservative approaches.
Investment Goals
Different goals require different risk strategies. Retirement planning may allow for higher risk due to long horizons, while children's education or home purchase goals may require more conservative approaches depending on timelines and importance.
SEBI Mandatory Requirement
As per SEBI (Securities and Exchange Board of India) guidelines, risk profiling is mandatory for all investment advisory services. This ensures that investment recommendations are aligned with your risk tolerance and financial situation, protecting you from unsuitable investments and promoting transparency.
AMFI Registered
Authorized Mutual Fund Distributor registered with AMFI
IRDA Registered
Licensed Insurance Consultant registered with IRDA
10+ Years Experience
Extensive experience in wealth management and financial planning
Ahmedabad Based
Serving clients across Gujarat and pan-India with local expertise
NJ Wealth Partner
Authorized business partner of NJ Wealth, a leading wealth management firm
Important Disclaimer
This risk profiler is for educational purposes only. Actual recommendations will be provided after detailed discussion and KYC compliance.
Mutual fund investments are subject to market risks. Please read all scheme related documents carefully before investing. Past performance does not guarantee future returns.
The mutual fund examples and expected returns mentioned are for illustration purposes only based on historical performance. Actual returns may vary. Investment decisions should be based on your own risk assessment and consultation with registered financial experts.
HRP Wealth is a registered Mutual Fund Distributor (AMFI) and Insurance Consultant (IRDA). We are not registered with SEBI as an Investment Adviser (RIA). All recommendations are provided in compliance with applicable regulations governing our roles.
Frequently Asked Questions
Common Questions
Find answers to frequently asked questions about risk profiling and assessment
A risk profile is an assessment of your willingness and ability to take financial risks. It helps determine the most suitable investment strategy for you based on factors like your age, income, investment experience, financial goals, time horizon, and comfort level with market volatility. Understanding your risk profile is essential for making informed investment decisions.
As per SEBI (Securities and Exchange Board of India) guidelines, risk profiling is mandatory for all investment-related services that involve personalised investment advice. This ensures that investment recommendations are aligned with the investor's risk tolerance and financial situation, protecting investors from unsuitable investments and promoting transparency in the overall process.
The risk assessment questionnaire takes approximately 2-3 minutes to complete. It consists of 10 simple questions covering your investment experience, financial situation, goals, and risk tolerance. You can answer at your own pace, and the results are displayed immediately upon completion.
Yes, your risk profile can change over time due to various factors such as age, income changes, life events (marriage, children, retirement), or changes in your financial goals. We recommend reviewing your risk profile annually or whenever you experience significant life changes to ensure your investment strategy remains aligned with your current situation.
Risk capacity refers to your ability to take financial risks based on your financial situation, including income, assets, liabilities, and time horizon. Risk appetite refers to your willingness or comfort level with taking risks. Sometimes these may differ - for example, you may have the capacity for higher risk but prefer a conservative approach. Our assessment considers both factors.
The risk profile score is calculated based on your answers to various questions covering investment experience, age, income, investment goals, time horizon, market reaction, and other financial factors. Each answer carries a specific weight, and the total score determines your risk profile category: Very Conservative, Conservative, Moderate, Moderately Aggressive, or Aggressive.
The risk assessment provides category-level recommendations (like Large Cap funds, Balanced funds, etc.) with illustrative examples. However, specific scheme recommendations are provided only after detailed consultation, KYC compliance, and thorough analysis of your complete financial situation. This ensures recommendations are truly personalized and suitable for you.
Yes, the online risk assessment is completely free. You can take it multiple times if your circumstances change. After completing the assessment, you'll receive a detailed risk profile report that you can download as a PDF. We also offer a free consultation with our registered experts to discuss your results in detail.
Ready to Plan Your Investments?
Book a free consultation with our AMFI & IRDA registered expert to discuss your risk profile and get personalized investment recommendations
