Investment Risk Calculator

Understanding your investment risk profile is crucial for building a portfolio that aligns with your financial goals, time horizon, and comfort level. Our risk calculator evaluates multiple factors to determine your optimal asset allocation.

The calculator considers your age, income, investment experience, risk tolerance, and financial goals to recommend a personalized investment strategy.

Risk Profile Categories:

• Conservative: 30% equity, 50% debt, 10% gold, 10% cash
• Moderate: 50% equity, 35% debt, 10% gold, 5% cash
• Aggressive: 70% equity, 20% debt, 5% gold, 5% cash
• Very Aggressive: 80% equity, 15% debt, 3% gold, 2% cash

Risk Assessment Factors:

• Age: Younger investors can take more risk
• Investment Horizon: Longer periods allow for higher risk
• Risk Tolerance: Personal comfort with volatility
• Investment Experience: Knowledge and expertise level
• Financial Goals: Growth vs income vs preservation
• Emergency Fund: Financial safety net availability

Asset Class Characteristics:

• Equity: High risk, high return potential (12-15% long-term)
• Debt: Low risk, stable returns (6-8% annually)
• Gold: Inflation hedge, moderate volatility (8-10% long-term)
• Cash: Lowest risk, lowest return (3-4% annually)

Risk Management Tips:

• Diversification: Don't put all eggs in one basket
• Regular Review: Rebalance portfolio annually
• Stay Disciplined: Don't panic during market volatility
• Gradual Changes: Adjust risk as you age
• Emergency Fund First: Build safety net before investing

Features:

• Comprehensive risk profile assessment
• Personalized asset allocation recommendations
• Expected return and volatility estimates
• Visual portfolio allocation charts
• Risk factor identification and guidance