How It Works

The math behind your risk profile

Five questions turn your timeline, comfort with loss, and goals into a transparent score. Here's exactly how that score becomes a Conservative, Moderate, or Growth profile.

01 / The rule

Five answers, one transparent score.

Pick one answer in each dimension. Each answer is worth between zero and three points.

The scoring formula
total = horizon + drawdown + income + experience + goal

The current implementation uses the declared 0–3 answer score for each dimension. There are no hidden or unequal multipliers, so the five values can total 0–15.

02 / The inputs

Each dimension contributes 0–3 points.

These are the same five questions used during onboarding, in the same order and with the same answer values.

Investment time horizon

How long can this money stay invested?

Weight 1×

  • Less than 5 years0 points
  • 5 to 10 years1 point
  • 10 to 20 years2 points
  • More than 20 years3 points

Max tolerated drop in a bad year

What temporary loss could you stay invested through?

Weight 1×

  • About 5%0 points
  • About 15%1 point
  • About 30%2 points
  • 50% or more3 points

Income stability

How predictable is the income supporting your plan?

Weight 1×

  • Variable / unpredictable0 points
  • Somewhat stable1 point
  • Stable2 points
  • Very stable3 points

Investing experience

How familiar are you with investing?

Weight 1×

  • Brand new0 points
  • Some experience (1–3 years)1 point
  • Experienced (3+ years)2 points
  • Expert / professional3 points

Primary goal

What outcome matters most for this money?

Weight 1×

  • Preserve capital0 points
  • Steady income1 point
  • Steady growth2 points
  • Maximize growth3 points
03 / The calculation

Add the five values. Nothing else.

The server adds the selected answer scores, then checks the total against the three inclusive profile bands.

One value from each dimension

Once you select one answer for each question, the five declared values are added together.

total = horizon + drawdown + income + experience + goal

0–15possible total score

Worked example

5 to 10 years (1) + About 30% (2) + Stable (2) + Some experience (1) + Steady growth (2) = 8

8 lands in the Moderate band (6–10).

04 / The result

Where the total lands decides the profile.

The bands are inclusive, so every possible total from 0 through 15 maps to one profile.

0–5

Conservative

Totals from 0–5 map to this profile.

6–10

Moderate

Totals from 6–10 map to this profile.

11–15

Growth

Totals from 11–15 map to this profile.

05 / The target mix

Each profile has a clear starting allocation.

Your profile determines the target mix WealthPilot uses as the reference point for your portfolio.

Conservative

Capital preservation

  • Stocks60%
  • Bonds30%
  • Alternatives10%

Moderate

Balanced — growth tilt

  • Stocks50%
  • Bonds35%
  • Alternatives15%

Growth

Long-term growth

  • Stocks40%
  • Bonds40%
  • Alternatives20%
Next step

See the profile your answers point to.

Take the five-question questionnaire to see a personalized result built from the same scoring method.

Take the questionnaire →