Investment Psychometric Assessment

Answer honestly to receive a personalised financial-management plan — your risk profile, recommended asset allocation, suitable products, savings health and goal roadmap. Takes about 10 minutes.

About You

Basic details used to personalise your plan.

Full name *

Email (optional)

Age

Gender

Marital status

Number of dependents

City

Annual income (Rs.)

Monthly Cash Flow

Used to compute your savings rate, investable surplus and emergency-fund adequacy.

Monthly income (Rs.)

Monthly household expenses (Rs.)

Monthly EMI obligations (Rs.)

Monthly insurance premium (Rs.)

Existing monthly investments (Rs.)

Existing emergency fund (Rs.)

Financial Goals

Enter the target amount for the goals that apply. Leave the rest blank.

Goal	Target (Rs.)	Saved (Rs.)	Years	Priority
Buying House
Buying Car
Marriage
Children Education
Children Marriage
Retirement
Foreign Travel
Emergency Fund
Business
Others

Risk Appetite

Choose the option that best matches you. 30 questions — these determine your risk profile.

Q1.If your investment falls by 20% in a month, what will you do?

Sell immediately to avoid further loss Wait for recovery, do nothing Hold patiently, review after 6 months Invest more at lower price

Q2.How long can you comfortably stay invested without needing the money?

Less than 1 year 1-3 years 3-5 years 5-10 years More than 10 years

Q3.What average annual return do you expect from your investments?

6% (Capital Protection) 10% (Steady Growth) 15% (Above Average) 20% (High Growth) 25%+ (Aggressive Growth)

Q4.What concerns you the most about investing?

Loss of Capital Inflation eroding value Taxes on returns Missing better opportunities Short-term volatility

Q5.How would you describe your investment experience?

No experience Only Fixed Deposits/Savings Mutual Funds/SIP Direct Stocks Derivatives/F&O/Trading

Q6.If offered a choice, which would you prefer?

Guaranteed Rs.50,000 today 50% chance of Rs.1,00,000 or nothing 70% chance of Rs.1,50,000 or nothing 90% chance of Rs.2,00,000 or nothing

Q7.How do you react when the stock market falls sharply in a single day?

Panic and sell everything Feel anxious but wait and watch Stay calm, it's part of investing See it as a buying opportunity

Q8.What percentage of your total savings are you willing to put into equities?

Less than 10% 10-25% 25-50% 50-75% More than 75%

Q9.How important is liquidity (ability to withdraw quickly) to you?

Extremely important, need instant access Somewhat important Not very important Not important at all, can lock in for years

Q10.How stable is your current source of income?

Highly unstable/uncertain Somewhat stable Stable, salaried/regular Very stable with multiple income sources

Q11.Do you have dependents relying on your income?

Yes, many dependents, sole earner Yes, but shared responsibility Few dependents No dependents

Q12.How much of an emergency fund do you currently maintain?

None Less than 3 months expenses 3-6 months expenses More than 6 months expenses

Q13.Have you ever invested in the stock market before?

Never Yes, but exited due to losses Yes, and currently invested Yes, actively trade regularly

Q14.What would you do if your portfolio underperformed the market for 2 years?

Withdraw all investments Switch to safer options Continue with existing strategy Increase allocation to equities

Q15.How do you feel about taking a loan to invest (leverage)?

Never, too risky Only in rare, well-researched cases Comfortable if returns justify it Regularly use leverage for higher returns

Q16.Which best describes your attitude towards financial risk?

I avoid risk completely I take calculated, minimal risk I am comfortable with moderate risk I actively seek high risk for high reward

Q17.If your best friend made 40% returns on a risky stock, what would you do?

Ignore it, not my strategy Feel curious but do more research first Consider investing a small amount Invest immediately to not miss out

Q18.How often are you willing to review and rebalance your portfolio?

Never Once a year Quarterly Monthly or more frequently

Q19.What is your primary investment objective?

Capital protection Regular income Balanced growth and income Aggressive wealth creation

Q20.How would you react to a 2008-like market crash (50% fall)?

Exit the market completely Reduce equity exposure significantly Hold existing investments Buy more at discounted prices

Q21.What is your age bracket?

Above 60 years 46-60 years 31-45 years Below 30 years

Q22.How do you make investment decisions?

Rely completely on financial planner Research a little, then decide with advisor Research thoroughly and decide independently Decide instantly based on instinct/trends

Q23.What is your comfort level with international/global investments?

Not comfortable, prefer domestic only Open to small allocation Comfortable with meaningful allocation Prefer aggressive global diversification

Q24.How would you rate your tolerance for portfolio value fluctuation month to month?

Cannot tolerate any fluctuation Can tolerate small fluctuation (5-10%) Can tolerate moderate fluctuation (10-20%) Can tolerate large fluctuation (20%+)

Q25.What is your outstanding debt/EMI as a percentage of monthly income?

More than 50% 30-50% 10-30% Less than 10% or no debt

Q26.How do you view volatility in the stock market?

A threat to be avoided A necessary evil A normal part of long-term investing An opportunity to generate wealth

Q27.If your fixed deposit matured today, where would you reinvest?

Another Fixed Deposit Debt Mutual Fund Balanced/Hybrid Fund Equity Mutual Fund or Stocks

Q28.How much investment knowledge do you have about products beyond FD/savings?

None Basic awareness Good understanding Expert level, track markets regularly

Q29.What is your reaction to hearing negative news about the economy?

Immediately move to cash/gold Reduce risky exposure Stay invested, ignore short-term noise Look for opportunities created by panic

Q30.Overall, which statement best matches your investment philosophy?

Protect what I have, avoid any loss Grow steadily with minimal risk Balance growth with reasonable risk Maximise growth, accept high risk for high reward

Behaviour

How you actually behave with investments. 25 questions.

Q1.How often do you check your investment portfolio?

Daily Weekly Monthly Quarterly Never

Q2.Do you panic and sell during market crashes?

Always Often Sometimes Rarely Never

Q3.Do you make investment decisions based on social media trends/tips?

Always Often Sometimes Rarely Never

Q4.Do you follow financial news and act on it immediately without analysis?

Always Often Sometimes Rarely Never

Q5.Do you sell your winning investments too early out of fear of losing gains?

Always Often Sometimes Rarely Never

Q6.Do you keep averaging (adding more to) a losing investment hoping it recovers?

Always Often Sometimes Rarely Never

Q7.Do you diversify your investments across asset classes?

Never Rarely Sometimes Often Always

Q8.Do you chase high-return investments without assessing the risk involved?

Always Often Sometimes Rarely Never

Q9.Do you set a clear financial goal before making an investment?

Never Rarely Sometimes Often Always

Q10.Do you compare and research before selecting a mutual fund/stock?

Never Rarely Sometimes Often Always

Q11.Do you continue your SIP/investment during a market downturn?

Never, I stop immediately Rarely continue Sometimes continue Often continue Always continue, even increase

Q12.Do you get influenced by friends/family investment choices rather than your own plan?

Always Often Sometimes Rarely Never

Q13.Do you review your asset allocation periodically?

Never Rarely Sometimes Often Always

Q14.Do you invest in products you don't fully understand?

Always Often Sometimes Rarely Never

Q15.Do you have a written or clearly defined financial plan?

No plan at all Vague idea only Partial plan Fairly clear plan Detailed written plan

Q16.Do you withdraw investments prematurely for non-essential expenses?

Always Often Sometimes Rarely Never

Q17.Do you track the expense ratio/costs of the funds you invest in?

Never Rarely Sometimes Often Always

Q18.Do you let emotions (fear/greed) drive your buy and sell decisions?

Always Often Sometimes Rarely Never

Q19.Do you maintain investment discipline regardless of market conditions?

Never Rarely Sometimes Often Always

Q20.Do you try to time the market (buy low, sell high on predictions)?

Always Often Sometimes Rarely Never

Q21.Do you consult a financial advisor before making major investment decisions?

Never Rarely Sometimes Often Always

Q22.Do you compare your portfolio performance to a relevant benchmark?

Never Rarely Sometimes Often Always

Q23.Do you take on more risk after a recent investment success (overconfidence)?

Always Often Sometimes Rarely Never

Q24.Do you avoid taking any action even when your portfolio clearly needs rebalancing?

Always Often Sometimes Rarely Never

Q25.Do you save/invest a fixed portion of your income every month without fail?

Never Rarely Sometimes Often Always

Personality

Pick the response closest to your instinct. 20 questions.

Q1.When you receive a bonus, what is your first instinct?

Save it all in a bank deposit Spend it on something I want Invest it systematically across assets Put it all into a high-risk trending stock/crypto

Q2.How do you feel about spending on non-essential items?

I avoid it, prefer to save I enjoy spending freely on myself I budget carefully and spend within limits I spend impulsively when I see something exciting

Q3.A friend suggests a 'hot tip' stock that could double in a month. Your response?

I would never touch it, too risky I get excited and want to jump right in I would research it thoroughly before deciding I invest a small amount just for the thrill

Q4.How do you make big financial decisions?

Based on gut feeling and emotions Based on data, analysis and logic I ask others and follow their lead I avoid making the decision as long as possible

Q5.What best describes your monthly budgeting habit?

I track every rupee meticulously I have a rough idea but don't track closely I don't budget at all I budget but often overspend impulsively

Q6.How do you react to seeing your portfolio value drop?

I feel intense fear and want to exit I feel nothing, numbers don't affect me I analyse the reasons calmly I see it as a chance to buy more, greed kicks in

Q7.What motivates your investment choices the most?

Safety and capital protection Potential for maximum returns, regardless of risk A balance of growth and safety Whatever feels right at the moment

Q8.How do you handle unexpected windfalls (lottery, inheritance)?

Save/invest it conservatively Spend a large portion immediately Create a structured plan for it Put it all into the most exciting opportunity available

Q9.Which statement resonates with you the most?

I never want to lose money, even a little More money is always better, I want maximum gains Slow and steady wins the race I decide based on how I feel that day

Q10.How do you feel discussing money and investments?

Anxious and stressed Excited and thrilled Comfortable and confident Indifferent, I let others handle it

Q11.When markets are booming, what do you do?

Stay cautious, don't change my strategy Invest aggressively to maximise gains Rebalance according to my plan Get swept up in the excitement and overinvest

Q12.How do you approach credit cards/EMIs?

Avoid using them at all Use them freely for lifestyle purchases Use them strategically and pay in full Use them impulsively and often carry balances

Q13.What is your view on retirement planning?

I obsess over having enough, always worried I'll figure it out when the time comes I have a structured plan I follow I invest in whatever seems trendy at the time

Q14.How do you choose where to invest your money?

Only in guaranteed/safe instruments Wherever gives the highest possible return After weighing risk and return carefully Based on tips from friends or social media

Q15.If your portfolio doubled in a year, how would you react?

I'd still worry it might crash I'd want to put in even more money for bigger gains I'd rebalance and book some profits as planned I'd get overconfident and take much bigger risks

Q16.How do you typically react to financial advice from experts?

I trust it completely without question I ignore it and follow my own instinct I evaluate it against my own research I follow whichever advice sounds most exciting

Q17.What role does money play in your life decisions?

Security is everything, I avoid all risk Money is meant to be enjoyed now Money is a tool to be grown wisely Money decisions depend entirely on my mood

Q18.How would you describe your shopping habits?

I rarely buy anything unless necessary I enjoy shopping and buy often I plan purchases and stick to a budget I buy on impulse when something catches my eye

Q19.How do you feel about taking financial risks in general?

Risk terrifies me, I avoid it always I love taking risks for bigger rewards I take calculated, well-researched risks I take risks impulsively without much thought

Q20.Which best sums up your overall approach to money?

Protect and preserve what I have Enjoy it while I can Grow it steadily and logically Chase the next big opportunity

Emotional

Imagine each scenario and choose your most likely reaction. 10 questions.

Q1.The stock market crashes 35% within a few weeks.

I sell everything immediately in panic I get very anxious and reduce exposure heavily I feel uneasy but mostly hold on I stay calm and stick to my plan I see it as a buying opportunity

Q2.Your close friend made huge profits on a stock you didn't buy.

I feel regret and immediately buy the same stock I feel envious and reconsider my whole strategy I feel a little FOMO but do my own research first I feel happy for them and stay unaffected I evaluate it objectively and act only if it fits my plan

Q3.A stock you own doubles in value within a month.

I put in a lot more money immediately, fearing I'll miss out I get overconfident and take bigger risks elsewhere I feel excited but don't change my plan I calmly book partial profits as per strategy I review fundamentals before deciding anything

Q4.Your mutual fund investment is down 15% from your purchase price.

I redeem immediately to stop further loss I feel very worried and stop further SIPs I feel concerned but continue monitoring I stay invested, this is normal volatility I consider investing more at the lower price

Q5.Media is flooded with panic headlines about an economic slowdown.

I move all my money to cash/gold immediately I significantly cut my equity exposure I reduce exposure slightly as a precaution I ignore the noise and stay invested I look for undervalued opportunities created by the panic

Q6.Experts are predicting a recession in the next 6 months.

I stop all investments and hold cash only I get anxious and rebalance heavily towards debt I make a small tactical shift towards safety I continue my regular investment plan as is I see it as an opportunity to invest more strategically

Q7.Geopolitical tensions/war escalate, causing market uncertainty.

I panic-sell all risky assets I pause all new investments out of fear I stay cautious but don't change my portfolio I stay invested and monitor developments calmly I look for opportunities in the volatility

Q8.The central bank suddenly raises interest rates sharply.

I panic and exit debt/equity funds immediately I feel anxious and reduce my exposure I make minor adjustments to my portfolio I assess the impact calmly before acting I strategically rebalance based on the new environment

Q9.Inflation rises well above expectations for several months.

I feel helpless and stop investing altogether I get worried and move to 'safe' cash holdings I make small adjustments to inflation-hedged assets I review my plan calmly and adjust allocations I proactively increase allocation to inflation-beating assets

Q10.You unexpectedly lose your job or a major income source.

I panic and liquidate all investments immediately I feel very stressed and stop all SIPs/investments I pause new investments but keep existing ones I rely on my emergency fund and stay invested I calmly reassess my financial plan and adjust systematically

Investment Knowledge

Self-rate your understanding. This adds context to your plan.

How would you rate your overall investment knowledge?

Beginner Basic Intermediate Advanced

Rate your understanding of each product (1 = none, 5 = expert):

Stocks (Direct Equity) 1 2 3 4 5

Mutual Funds 1 2 3 4 5

ETF 1 2 3 4 5

Gold 1 2 3 4 5

Bonds 1 2 3 4 5

Insurance 1 2 3 4 5

Options 1 2 3 4 5

Futures 1 2 3 4 5

Cryptocurrency 1 2 3 4 5

Real Estate 1 2 3 4 5

Retirement Planning

Optional — leave defaults if unsure. Used to estimate your retirement corpus.

Current age

Desired retirement age

Life expectancy (age)

Current monthly household expense (Rs.)

Expected inflation (%)

Post-retirement return (%)

Current retirement savings (EPF/NPS/other, Rs.)