Risk Tolerance Questionnaire (RTQ)

Tell us about your timeline, capacity, and comfort with risk

Answer all questions below. Your score will calculate instantly and we’ll suggest an asset‑mix range aligned to your profile.
1) When do you expect to begin withdrawing a significant portion of your investments?
Within 3 years 3–5 years 6–10 years More than 10 years
2) How long do you expect to keep the majority of your money invested?
Less than 3 years 3–5 years 6–10 years More than 10 years
3) What portion of your total net worth is represented by this portfolio?
More than 75% 50–75% 25–50% Less than 25%
4) If your investments dropped 20% in a market downturn, how would this impact your ability to meet financial obligations?
Severely impacted Somewhat impacted Minimal impact No impact at all
5) How would you describe your comfort with investment risk?
I want to preserve capital, even if returns are low. I prefer stability but can accept small fluctuations. I'm comfortable with moderate fluctuations for higher growth. I can tolerate significant volatility for long‑term gains.
6) In past market declines, what best describes your behaviour?
I sold immediately to avoid further losses. I felt uneasy but stayed invested. I saw it as a buying opportunity. I actively increased my investment to capture upside.
7) Which potential one‑year return range would you be most comfortable with?
–5% to +5% –10% to +10% –20% to +20% –30% to +30% or more
8) How would you rate your investment knowledge?
Limited Basic understanding Good knowledge of markets Advanced / professional
9) How familiar are you with stocks, bonds, ETFs, and diversification?
Not familiar Somewhat familiar Comfortable Very knowledgeable
10) What annual long‑term return do you expect from your portfolio?
2–4% 4–6% 6–8% 8%+
Total Score:

Disclaimer: This tool is for educational purposes only and does not constitute financial advice. Investment decisions should consider your full financial situation, tax considerations, and objectives. Talk to a qualified advisor before acting on these results.

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