Questions:

1. When the market dips significantly, what’s your first reaction?
   • A. I stay calm and wait for the market to recover.
   • B. I feel anxious and consider moving to safer investments.
   • C. I see it as an opportunity and consider buying more.
   • D. I get nervous and want to sell to avoid further losses.
2. How do you approach financial goals?
   • A. I set clear, long-term goals and stick to a plan.
   • B. I have a general idea but make adjustments often.
   • C. I prefer to take things one step at a time and avoid strict plans.
   • D. I am driven by immediate gains and often shift goals as I see new opportunities.
3. If you find out about a ‘hot stock’ everyone’s talking about, what do you do?
   • A. I analyze it objectively before deciding if it fits my portfolio.
   • B. I might buy a small amount for fun but stick to my main plan.
   • C. I jump on it quickly—I don’t want to miss out.
   • D. I feel excited but cautious, preferring to watch how it performs first.
4. How diversified is your investment portfolio?
   • A. I diversify across asset classes, regions, and sectors.
   • B. I’m mostly invested in what feels safe, like bonds or cash.
   • C. I focus on a few high-risk, high-reward options.
   • D. I keep my investments in one or two areas I understand well.
5. How comfortable are you with risk?
   • A. I understand risks and only take those I believe are worthwhile.
   • B. I’m cautious and prefer to avoid risky investments.
   • C. I am very comfortable and often seek high-risk opportunities.
   • D. I’m selective with risk and prefer steady, reliable returns.

Scoring:

• Mostly A’s: The Disciplined Investor
• Mostly B’s: The Conservative Saver
• Mostly C’s: The High-Risk Taker
• Mostly D’s: The Cautious Opportunist

Personalities & Advice

1. The Disciplined Investor
   
   Description: You have a structured approach and stay calm during market ups and downs. You focus on long-term goals and rarely let emotions guide your decisions.
   
   Advice: Keep doing what you’re doing! Your discipline is your strength. Stay diversified and continue to evaluate your portfolio regularly to make sure it aligns with your goals.

    

    

2. The Conservative Saver
   
   Description: You prioritize safety and may avoid riskier investments. You tend to stick with low-risk
   options, which sometimes leads to missing out on higher returns.
   
   Advice: Consider balancing your portfolio by adding a small percentage of equities or other growth assets. This can help your investments grow over time while keeping your risk level comfortable.

    

3. The High-Risk Taker Description: You enjoy the thrill of high-risk investments and are quick to act on opportunities. However, this can lead to impulsive decisions or a lack of diversification.
   
   Advice: Try to build a core portfolio of more stable investments to offset the risk. Set limits on how much you’re willing to lose on high-risk investments and avoid making decisions based on FOMO.

    

4. The Cautious Opportunist
   
   Description: You’re selective with your investments and enjoy looking for growth opportunities, but you’re careful not to take on too much risk.

   
   Advice: This balanced approach can be effective but remember not to wait too long on potentially rewarding opportunities. Identify a few solid, long-term investments to anchor your portfolio, then use a smaller portion for selective opportunities.