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Moneycontrol.com >> Planing Desk >> Risk Analyser
Risk Analyser Tool
 
Risk Profiling combines two key areas -
1) Estimating financial risk-taking capacity and
2) Understanding the (psychological) risk tolerance level of an individual.

We have compiled 20 questions that will help you evaluate yourself on both these parameters. Also , based on your risk profile, we will recommend an asset allocation structure best suited for you.

The RiskAnalyser should take you about 10 minutes to complete.

  MouseOver on the for more information
  1. Your age is:
    Under 30
    30-40
    41-50
    51-60
    60 or over
  2. You have saved a long while to buy a car. A week before you buy the car, you lose your job. You.
    postpone your purchase.
    buy a new car but do not buy the expensive car you have saved for.
    go ahead with your purchase plan and buy the expensive new car.
    buy the car and go on a one week vacation to celebrate the new purchase.
  3.  Your current annual take-home income is:
    under Rs100,000.
    between Rs100,000 and Rs200,000.
    between Rs200,000 and Rs400,000.
    over Rs400,000.
  4.  You are financially responsible for (exclude dependants who can be supported by your spouse's income)
    only yourself.
    1 other person in your household besides yourself
    between 2 and 3 other persons besides youself
    between 4 and 5 other persons besides youself
    more than 5 other persons besides yourself
  5.  Your current job/career/business:
    Is not dependable.
     Is secure.
    doesn't matter because you expect a large inheritance/have enough
    wealth already.
    doesn't matter because you expect to change your career path soon.
   6.  After you have made an investment, your feeling on the decision is:
    excited.
    satisfied.
    doubtful.
    sorry.
   7.  You are offered a job by a company with a bright future. Which compensation option would you choose?
    A 3-year job guarantee.
    An upfront bonus of Rs1,00,000.
    A 10% pay increase on your salary of Rs4,00,000.
    employee stock options with a current value of Rs1,00,000 and prospects
    for further appreciation.
  8.  What is your practice on saving money
    I don't believe in saving.
    I'd like to save, but my expenses and other financial commitments do not
    permit me to.
    I try to save whenever and wherever possible.
    I save 15 percent or more of my take-home salary without exception.
   9.  You invest Rs1,00,000 in a share that goes down by 8% the next day. You.
     average your cost by investing another Rs1,00,000 at a lower price.
     do not bother because you had done enough research on the company.
    book your loss and invest in fixed deposits or bonds.
    hold on till the share comes back to your cost price and sell it.
  10.  Which of the following statements would best describe your level of knowledge as an investor
    I don't understand investment terminology at all.
    I am a proficient investor who's able to explain concepts such as EVA,
    beta and hedging.
    I know how to identify and invest in mutual funds and secondary
    market debentures.
     I understand investment principles and trade shares in the secondary.
    market.
    I am not very familiar with investment options and financial planning.
  11.  How would you `honestly' describe yourself as a risk-taker?
    reckless.
    willing to take evaluated risks.
     careful.
    low risk taking capability.
    extremely averse to risk.
  12.  Which would best describe your awareness about finance?
    I read most of the business and investment magazines and watch
    business updates on television daily.
    I read a financial newspaper daily and regularly read at least one
    specialized business magazine.
    I read the finance section of the daily newspaper everyday.
     I often look up the market prices of my shares in the newspaper.
     I never read the finance section of the newspaper.
   13.  In how many years from now will you have saved up for all your future financial commitments and needs?
    less than 3 years
    3 to 6 years.
    6 to 10 years.
     more than 10 years.
  14.  What is your approach to making a financial decision?
    take a random decision.
    lose sleep over the issue
    seek friendly advice.
    take an educated guess.
    analyse the various options.
  15.  When you suffer a financial loss, what are your feelings?
     I think it has happened because it was my destiny.
     I blame myself.
    I take it as a personal failure.
    I view it as a hurdle that one needs to cross.
    I almost never suffer losses, because I stick to investments that do not
    depreciate in principal value.
  16.  Your company has an attractive Voluntary Retirement Scheme(VRS) open only to 10% of employees on a first-come-first-serve basis. You:
    enrol for the scheme as early as possible.
     enrol for it only if you had been looking for alternate opportunities
    and could take one of them
    do not take up the VRS, but start looking for other work as the company's
    future does not seem bright.
    do not take the VRS because you intend to spend the rest of your working
    life in this company.
   17.  You have invested in shares that you expect will become 5-baggers in 2-3 years. These share prices drop 30% soon after you buy them. You:
    sell.
    average your cost by buying more.
    wait and watch.
    see your cash flow at the end of the year and buy more if the prices
    of these shares are still low.
  18.  Excluding your house, your savings inclusive of employment benefits, add up to:
     nothing.
     less than six months' take home pay.
     between 6-15 months' take home pay.
     between 15-36 months' take home pay.
     more than 36 months' take home pay
   19.  What is the status of your accomodation? Those who own a house, choose from last two options only.
      I stay with my parents/ spouse.
      I live in company accomodation.
      I live in an apartment that I have rented.
     I own a house but am saving to buy a better house.
     I own as good a house that I would ever want to.
   20.  How would you describe your overall income status?
     Just about manage to make ends meet; no monthly savings.
     My PF and other employment benefits are my only source of savings.
     I put aside atleast 10% of my take-home salary every month in savings.
     I save more than 30% of my take-home salary every month.
     My income from my wealth more than adequately provides for my cost of
  living.
 

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