Work out risk tolerance score instantly with clear inputs, formula shown and shareable results.
Risk tolerance combines capacity — age, horizon and income stability — with willingness, measured by the loss you could hold through without selling. The equity allocation is scaled from the total score, since the ability to stay invested matters more than the theoretical optimum.
Score
Score = age component + horizon + loss tolerance + income stability, each out of 25
Figures are estimates for planning only. Market returns are not guaranteed, and rates, limits and tax rules change. This is not financial or tax advice — speak to a qualified adviser before acting.
Volatility averages out over long periods, and a long horizon means you are never forced to sell at a bad time.
No. It is a starting point for discussion, not a recommendation for your circumstances.