Securing Hannav Ledger...
Securing Hannav Ledger...
Glossary
Risk profile assesses an investor's willingness and ability to bear investment losses based on age, income, goals, and temperament.
Risk profile tells whether you are conservative, moderate, or aggressive — so you pick investments that won't keep you awake at night.
Questionnaires score capacity (time horizon, income stability) and tolerance (reaction to 20% drop). SEBI riskometers on mutual funds show scheme risk separately from investor profile. Mismatch causes panic selling in bear markets.
Age 55 retiring in 5 years with ₹40 lakh corpus: moderate-conservative profile → 40% equity, 60% debt despite ability for more equity.
Risk profile is yours as investor. Riskometer is fund's inherent risk level. Match compatible fund risk to your profile.
Age supports higher equity capacity, but low income stability or anxiety about losses may still warrant moderate allocation.
Reassess every 2–3 years or at major life events — marriage, child, job change, near retirement.