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Risk Profiling

Understanding Your Investment Personality

Risk Profile Analysis

The second step towards your investment planning is to understand your risk profile as an investor. Different investment products carry different risks—some are considered safe, while others are riskier. An assessment of your risk profile helps you understand the risk you can take as an investor, and accordingly, your asset allocation can be decided.

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Risk Score
Risk Group 4 - Moderate Risk Profile

As an investor, you are looking for relatively higher returns over medium to long term with modest risk. This score indicates your risk group and your indicative risk-taking ability and investor category.

Expected Return Range: 8.9% - 10.3%

Understanding Risk Groups

Based on risk profile, investors can be grouped under 7 categories, ranging from Extremely Conservative to Extremely Aggressive. Here's where you stand:

1
Extremely Conservative
Capital preservation with minimal risk tolerance
Expected Return: 4% - 6%
2
Conservative
Low risk appetite with stable income focus
Expected Return: 5% - 7%
3
Moderately Conservative
Balanced approach with slight equity exposure
Expected Return: 6.5% - 8.5%
4
Moderate (Your Profile)
Balanced portfolio seeking growth with manageable risk
Expected Return: 8.9% - 10.3%
5
Moderately Aggressive
Higher equity allocation for enhanced growth
Expected Return: 10% - 12%
6
Aggressive
High risk tolerance for maximum growth potential
Expected Return: 11% - 14%
7
Extremely Aggressive
Maximum risk for potentially highest returns
Expected Return: 12% - 16%+

Your Ideal Asset Allocation

Based on your Moderate Risk Profile (Group 4), here is your recommended asset allocation strategy. This mix balances growth potential with risk management.

EQUITY
40-60%
DEBT & OTHERS
40-60%
Equity Allocation
Minimum: 40% | Maximum: 60%
Debt & Others
Minimum: 40% | Maximum: 60%

Important Note

The asset allocation decision is personal and there is no perfect model. The allocation that works best for you changes at different times of your life and therefore requires modification as your age, goals, and risk profile evolve.