We don't collect your data. The questionnaire runs entirely in your browser: your answers aren't sent anywhere, and we never see or store them. Your browser keeps them on this device only, so that next time you can compare with your previous result.
The questionnaire looks at three things:
Can afford — how much money you can lose without it hurting your life and plans.
Willing — how big a fall you can sit through calmly, without selling in a panic.
Need — how much risk you have to take to reach your goal in time.
At the end you'll see what share of your money it makes sense to keep in stocks, how much you could lose in the worst period, and what is holding you back.
Can afford: how much risk your money can take
Questions about your money. The weakest answer sets the limit: for example, if you need the money in 3 years, you can't take much risk, even if everything else is fine. All amounts are in US dollars, so the questionnaire works the same in every country.
In US dollars, roughly. If nothing yet, enter 0. The amounts are only used for the calculation and aren't sent anywhere.
$
In US dollars. If you're not ready yet, enter 0.
$
For example, for a home, your children's education or retirement. If you have several goals, pick the nearest big one.
years
In US dollars, roughly: food, housing, transport, phone and loan payments. We need it to work out your rainy-day fund.
$
Willing: how big a fall you can sit through
Imagine part of your money is in stocks. What share would you keep in stocks even through the worst period, without selling anything?
Move the slider and see how much of your money would be left.
In stocks: 50%the rest in dollars in an account
$6,850
This is the real history of the US market in 2006–2025. It has been worse: in 1929–1932 stocks fell 84%.
Which is closer to you?
Tap a circle. The outermost circle means you fully agree with the answer on that side; circles closer to the middle mean "more or less".
Need: how much risk your goal requires
Tell us how much money you need by your deadline. The questionnaire will work out what yearly return your investments need to get there in time.
$
We've filled in the amount from the first step. Change it if not all of it is for this goal.
$
We've filled in the amount from the first step. Change it if not all of it is for this goal.
$
For comparison we use cash in US dollars (short-term US Treasury bills): over 2006–2025 it earned about 1.6% a year.
Knowledge
Four short questions. This isn't an intelligence test and doesn't affect the result — at the end you'll see which topics are worth brushing up on.
A bit more about you
What share of your savings is in stocks right now?
If nothing is in stocks, leave 0%. Count crypto as stocks: it falls even harder.