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Risk-capacity questionnaire
Eight questions that map your time horizon, liquidity buffer and loss tolerance to a general allocation band — not a recommendation.
No account, no tracking of your inputs: this tool is plain JavaScript and every number stays on your device.
About this tool
Is this financial advice?
No. It is an educational framework that shows how horizon, cash buffer and loss tolerance interact. It does not know your full situation, tax position or liabilities, and it does not recommend any product.
Why does the cash buffer matter so much?
Because forced selling turns a temporary drawdown into a permanent loss. Capacity for risk is mostly about whether you can leave the money alone through a bad year, not about how brave you feel.