This 10-question assessment takes approximately 3–4 minutes. We measure two distinct dimensions — your emotional preference for risk and your financial capacity to absorb it — producing individualized scores on a 1–100 scale for each.
Before we begin
Please provide your name and email address. A summary of your results will be emailed to you and your advisor at AFT Planning.
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Risk Preference — How you feel about risk
1
If your portfolio dropped 20% in a single quarter, what would you most likely do?
Sell immediately to prevent further losses
Shift to more conservative holdings
Stay the course and do nothing
Rebalance into the decline modestly
Buy more aggressively — it's an opportunity
2
Which best describes how you think about investment returns versus volatility?
I prioritize protecting what I have over growing it
I'll accept modest volatility for some growth
I want a balance — growth matters but so does stability
I lean toward growth and accept meaningful swings
Maximum long-run growth — short-term volatility doesn't concern me
3
How did you feel during a significant market downturn (e.g., 2008 or 2020)?
Extremely anxious — I lost sleep and wanted out
Worried, but I stayed put
Uncomfortable but didn't change my strategy
Calm — I trusted the long-term plan
Opportunistic — I added to positions during the decline
4
Which investment option do you find most appealing?
Balanced stock/bond fund — moderate risk and return
Diversified equity fund — long-term growth focus
Growth stocks or alternatives — high upside, high variance
5
Consider this choice: a guaranteed gain of $40,000, or a 60% chance of gaining $80,000 (40% chance of gaining nothing). Which do you choose?
Definitely take the guaranteed $40,000
Probably take the guaranteed amount — I dislike uncertainty
It's a close call — I'd need to think carefully
Probably take the 60% chance — the expected value is higher
Definitely take the 60% chance — I think in terms of expected value
Risk Capacity — What your situation can absorb
6
When do you expect to begin drawing on these investments?
Within 1–2 years
3–5 years
6–10 years
11–20 years
More than 20 years
7
How stable and sufficient is your income relative to your current expenses?
Income barely covers expenses — no cushion
Tight — a job loss would be an immediate crisis
Stable, but limited surplus after expenses
Comfortable — consistent savings month to month
Strong and diversified income — minimal income risk
8
How much of your total liquid net worth does this portfolio represent?
More than 90% — this is essentially everything I have
60–90% — most of my liquid assets
30–60% — a meaningful but not sole position
10–30% — one part of a larger financial picture
Less than 10% — a small slice of total assets
9
Do you carry significant debt obligations (excluding mortgage) relative to your income?
Yes — significant debt (student loans, credit cards, business debt)
Some debt that I'm actively paying down
Minor debt — manageable and not a concern
Very little — essentially debt-free outside of mortgage
No meaningful debt obligations
10
Do you have near-term financial obligations or dependents requiring reliable, accessible assets?
Yes — significant obligations (college tuition, eldercare, large upcoming expense)
Some — dependents or moderate near-term needs
Minor — small obligations, generally flexible timeline
No dependents, but I like to maintain a liquidity buffer
None — fully independent, no near-term demands on capital
Please answer all 10 questions before submitting.
Your responses are transmitted securely over HTTPS. Results will be emailed to you and your AFT Planning advisor.
Calculating your results and sending email summaries…
Assessment Complete
Your Risk Profile
A copy of these results has been emailed to you and your advisor at AFT Planning.
Risk Preference
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out of 100
Risk Capacity
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out of 100
Preference vs. Capacity
Your Investor Profile
What your preference score means
What your capacity score means
Suggested allocation range
Important disclosure: This assessment is for educational and planning discussion purposes only and does not constitute investment advice or a recommendation to buy or sell any security. Your AFT Planning advisor will review these results with you and incorporate them into a comprehensive investment policy statement tailored to your specific circumstances, goals, time horizon, and tax situation. Investing involves risk, including the possible loss of principal.