Investment Suitability

What Is Your Investor Profile?

9 questions to identify your risk tolerance and receive portfolio suggestions aligned with your profile — from conservative to aggressive.

Question 01

What is your age? (Time is a crucial factor in investing)

Up to 25 years old — I have a long time to recover from any potential losses. Between 26 and 40 years old — I still have a good time horizon for investing. Between 41 and 55 years old — I need to balance growth and capital preservation. Over 55 years old — Security and capital preservation are my top priorities.

Question 02

What is your primary financial goal with this investment?

Preserve capital and maintain a safe emergency reserve. Purchase a specific asset (car, home) within a few years. Secure a comfortable retirement over the long term. Significantly grow my wealth, even if it means taking on more risk.

Question 03

What is your level of experience with investing?

None — I am starting from scratch right now. Little — I have only used savings accounts or CDs from my bank. Moderate — I already invest in different products (bonds, mutual funds, some REITs). High — I actively invest and am familiar with complex instruments (stocks, derivatives).

Question 04

How long can you keep this money invested without needing to withdraw it?

Less than 1 year — I need liquidity in the short term. 1 to 3 years — Medium term, with some flexibility. 3 to 10 years — I have a solid investment horizon. More than 10 years — I am investing for the long term.

Question 05

If your investments experienced a sharp decline, what would you do?

Sell everything immediately to avoid further losses. Sell a portion to reduce portfolio risk. Do nothing — I understand markets fluctuate and will recover. Buy more, taking advantage of low prices to increase my position.

Question 06

What kind of return do you expect from your investments?

Any gain above inflation, with maximum capital safety. Slightly above benchmark rates, with low risk. Significant gains, even if there is risk of moderate losses. Very high returns, accepting the possibility of significant losses.

Question 07

Which statement best describes your relationship with your personal finances?

I spend what I need and save what's left, without much formal control. I use a spreadsheet or app and know where my money goes. I have a detailed financial plan with clear short- and long-term goals. Beyond planning, I study markets and actively optimize my returns.

Question 08

What percentage of your portfolio would you allocate to equities (stocks, ETFs)?

Up to 10% — I prefer to keep nearly everything in safe fixed income. 10% to 25% — Low risk exposure, with moderate diversification. 25% to 50% — Balanced portfolio between fixed income and equities. Over 50% — Aggressive portfolio focused on growth.

Question 09

Do you need your investments to have high liquidity (easy withdrawal)?

Yes — I need to be able to withdraw at any time (daily liquidity). Partially — Some liquidity needed, but I can lock in a portion for longer. Most can have low liquidity in exchange for better returns. Not at all — My focus is exclusively on the long term.

Result

Portfolio Suggestions:

This test is an educational tool and does not constitute investment advice. Consult a certified professional before making investment decisions.

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