Niveshmart logo Niveshmart AMFI Registered MFD

Home / Risk Profiler

Free · 3 minutes · 12 questions

What kind of investor are you actually?

Answer honestly and you'll get your investor profile, an indicative asset allocation, and a projection built from your own numbers.

Step 1 of 12 Your answers stay private

This questionnaire produces an indicative risk profile for discussion. It is not investment advice, not a recommendation of any scheme, and not a substitute for a conversation about your full financial position.

🔒
● All 12 answers saved — not yet unlocked

Your investor profile is ready

We just need a name and number to release it — and so we know where to send the goal workings afterwards.

Takes 20 seconds. No payment, no spam, and we won't add you to any mailing list.

—

Your investor profile

Want to know exactly how this was calculated? Read the full scoring methodology — weightings, overrides and limitations, all published.

Indicative asset allocation

A starting point for the conversation, based on your horizon and how you said you'd behave in a fall.

Category-level allocation only. Specific schemes depend on your full position and are discussed individually — never recommended on a webpage.

Illustration only
—

if you invest — a month for —, at an assumed — a year. Time, not timing, does most of the work here.

Assumed rates, not projections. The rate shown reflects a long-run equity-oriented portfolio and is used only to illustrate the effect of time — it is not a forecast, not a promise, and not specific to any scheme. Mutual fund investments are subject to market risks; actual outcomes will differ, and can be lower.

What happens next

Your profile is with us. We'll work through the goal arithmetic and come back within one working day to fix a time — you'll speak to someone who has already read your answers.

WhatsApp us now
How to read this. A risk profile is a starting point, not a verdict. It deliberately weights how you'd behave in a market fall far more heavily than what you know about markets — because behaviour, not knowledge, determines outcomes. Your real allocation should also account for existing holdings, insurance cover, emergency fund and liabilities, which is exactly what the call is for.

Why we ask about behaviour more than knowledge

Nearly every risk questionnaire in the industry asks how much you know about markets. It's the wrong question. Plenty of well-informed investors sold everything in March 2020; plenty of people who couldn't define a mid-cap fund simply kept their SIP running and did well. The gap between what a fund returned and what its investors actually earned is almost entirely explained by entering and exiting at the wrong moments.

So the heaviest-weighted question in this profiler is the drawdown one — what you'd genuinely do if your ₹10 lakh became ₹8 lakh. Answer it honestly rather than bravely. An allocation you can hold through a bad year beats a theoretically optimal one you'll abandon.