What mix of growth and defensive assets fits you?
The same fact-find a planner runs before recommending an allocation. Five questions produce a risk capacity score and a suggested growth/defensive split to start the conversation with yourself.
Interactive risk profile quiz
Five questions on horizon, reactions, income stability, goals, and experience — the same fact-find a planner runs before suggesting an asset mix.
When will you need the money?
The longer the horizon, the more volatility a portfolio can absorb.
Answer the five questions
Your risk capacity score and a suggested growth/defensive split appear here the moment you finish.
Guided five-question flow — no finance jargon
Risk capacity score on a 15-segment scale
Suggested growth/defensive split for your band
Risk capacity vs risk tolerance
Tolerance is how a loss feels; capacity is how much loss your situation can absorb. A 25-year-old with a decade-long horizon and stable income has high capacity even if markets feel scary. The questions score both — horizon and income stability measure capacity, the crash-reaction and experience questions measure tolerance.
What the suggested mix means
Each band maps to a typical allocation — conservative ~25% growth, balanced ~50%, growth ~70%, high growth ~90%. Growth assets are shares and property; defensive are cash and bonds. These are starting points for thinking, not a product recommendation.
Where the mix actually lives
For most Australians the biggest risk decision is already inside super — your fund's investment option is the largest allocation you control. A profile score is most useful when applied there first, then to any investing outside it.
Frequently asked questions
- Is this financial advice?
- No. It is a general educational estimate — a licensed adviser considers your full circumstances, tax position, and goals before recommending an allocation.
- My score surprised me — can it be wrong?
- Quizzes compress a lot into five questions. If the answer that drove your score is "sell everything", consider whether that is fear of the unknown or a true constraint — the difference changes the right allocation.
- How often should I retake it?
- Yearly, or after a life change — new dependants, income shifts, or a horizon milestone. Profiles drift as circumstances change even when temperament does not.
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