Six questions. No right answers. The result helps you pick an allocation that you'll actually stick with — because the best portfolio is the one you won't panic-sell.
Answer honestly — not how you think you should answer. It doesn't matter what anyone else would say. What matters is what you would actually do when markets drop 30% and the news is full of doom.
Question 01 of 06
How long before you need this money?
Less than 3 years — I might need it relatively soon
3–10 years — medium term, some flexibility
10–20 years — long term, I'm patient
20+ years — very long term, I won't need it for decades
Question 02 of 06
Your portfolio drops 25% in three months. What do you do?
Sell — I can't stomach seeing that much lost. I'd rather take the hit and stop the bleeding.
Do nothing but feel very uncomfortable. I'd be checking every day and struggling to sleep.
Hold and remind myself this is temporary. I've thought about this scenario and I have a plan.
Buy more if I can. Cheaper prices mean better long-term returns — this is exactly when to invest.
Question 03 of 06
Which best describes your income and financial situation?
Variable or unpredictable — I can't always guarantee a set amount each month
Stable but tight — I have commitments that leave little room for surprises
Stable with some surplus — I can handle an unexpected expense without stress
Strong and growing — investing is one part of a solid overall financial picture
Question 04 of 06
What's your main goal for this money?
Preserve what I have — I don't want to risk losing it, even if that means lower returns
Modest, steady growth — beat inflation without too many sleepless nights
Good growth over time — I accept some ups and downs in exchange for better long-term returns
Maximum long-term growth — I want the highest returns possible and fully accept the volatility
Question 05 of 06
Have you invested before?
No — this is my first time. I'm still getting comfortable with how markets work.
A little — I've dabbled but haven't been through a major market drop yet
Yes — I've held investments through a downturn and stayed the course
Yes — I've been through multiple market cycles and know how I react under pressure
Question 06 of 06
Imagine two funds. Which would you rather hold?
Fund A: Returns 4–5% per year, rarely drops more than 5% in any one year
Fund B: Returns 6–8% per year, occasionally drops 15–20% before recovering
Fund C: Returns 9–12% per year, sometimes drops 30–40% before recovering over several years
Your investor profile
Cautious
You prioritise stability over growth and that's completely valid. You'd rather sleep at night than chase maximum returns. A portfolio weighted towards bonds, cash, and lower-volatility assets suits you best.
Suggested equity allocation
30–50%
Suggested bond/stable allocation
50–70%
Typical max drawdown comfort
Up to 15%
Example starting point
40% equities, 60% bonds
This is a starting point, not a prescription. Your allocation should reflect your goal, timeline, and circumstances — not just this quiz. Use this result in Sheet 07 (Portfolio Planner).
Your investor profile
Balanced
You want growth but you're not a white-knuckle risk-taker. You accept that markets will drop occasionally and you can hold through it — as long as it doesn't go on too long. A blend of equities and bonds gives you growth with some cushioning.
Suggested equity allocation
60–75%
Suggested bond/stable allocation
25–40%
Typical max drawdown comfort
Up to 25%
Example starting point
70% equities, 30% bonds
This is a starting point, not a prescription. Your allocation should reflect your goal, timeline, and circumstances — not just this quiz. Use this result in Sheet 07 (Portfolio Planner).
Your investor profile
Growth
You're in it for the long term and you understand that volatility is the price of higher returns. You can hold through significant drops without panicking — and you know that time in the market is what matters. A predominantly equity portfolio makes sense for you.
Suggested equity allocation
80–100%
Suggested bond/stable allocation
0–20%
Typical max drawdown comfort
30–40%+
Example starting point
100% global equities
This is a starting point, not a prescription. Your allocation should reflect your goal, timeline, and circumstances — not just this quiz. Use this result in Sheet 07 (Portfolio Planner).
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