Risk is financial and emotional.
Your Risk Index looks at two simple things: how much market risk your finances can carry, and how much market risk you are likely to stay comfortable with.
Capacity and comfort are different.
Risk capacity is about your financial position — time horizon, emergency reserve, income stability and obligations.
Risk behaviour is about how you are likely to react when markets fall.
A short diagnostic.
Capacity, comfort and the final profile.
The overall Risk Index deliberately leans toward the lower of capacity and behaviour, because the portfolio should not exceed what your finances or your behaviour can realistically support.
Can you carry the risk you feel comfortable taking?
The diagonal represents broad alignment. The farther your point sits from it, the more important the mismatch becomes.
Your profile.
Educational risk-profiling tool only. A final portfolio decision should also consider goals, current holdings, taxation, liquidity and product suitability.