How would you describe your experience with financial investing?
This helps us calibrate the depth of your investment profile. There are no wrong answers.
A
No experience
I have little or no knowledge of financial markets or investment products.
B
Basic knowledge
I understand basic concepts — savings accounts, funds — but have limited hands-on experience.
C
Intermediate knowledge
I invest regularly and understand asset classes, diversification, and fund structures.
D
Expert
I have in-depth knowledge of investment strategies, portfolio construction, and market mechanics.
Question 02 / 08
What is your primary investment goal?
Understanding what you want your money to do shapes everything — from asset class selection to risk tolerance.
A
Capital preservation
Protect what I have. Minimal risk, even if returns are modest.
B
Stable income
Generate regular returns through interest and dividends, with moderate growth.
C
Balanced growth
A mix of income and capital appreciation — steady growth without extreme swings.
D
Long-term wealth accumulation
Maximise growth over the long run. I accept higher volatility for higher expected returns.
Question 03 / 08
How long do you plan to keep your money invested?
Investment duration is one of the strongest predictors of appropriate risk level. Experts in our research invested on average for 9.5 years.
A
Less than 3 years
I may need these funds in the near term.
B
3 to 7 years
Medium-term horizon — some flexibility, but not fully long-term.
C
7 to 15 years
Long-term perspective. Short-term volatility does not concern me significantly.
D
More than 15 years
Very long-term. Retirement, inheritance, or generational wealth.
Question 04 / 08
What is your tolerance for loss in a bad market year — like 2008 or 2022?
In 2008, global equity markets fell approximately 40–50%. In 2022, they fell ~18%. This question measures your emotional and financial ability to withstand such events without abandoning your strategy.
A
0–5% loss maximum
Any significant loss would cause me serious concern. Capital safety is paramount.
B
Up to 10% loss
I can accept a small loss, but would become uncomfortable beyond this threshold.
C
Up to 25% loss
I understand markets are cyclical. A significant temporary drop would not cause me to exit.
D
More than 25% loss
I have a long horizon and strong conviction. Short-term losses are part of the plan.
Question 05 / 08
What proportion of your total savings are you planning to invest?
This indicates your overall financial exposure and liquidity buffer. Investment experts in our research had on average 59% of their disposable income invested.
A
Less than 25%
A small portion — I want to keep most funds accessible and liquid.
B
25% to 50%
A meaningful allocation while maintaining a substantial cash buffer.
C
50% to 75%
I am comfortable having the majority of my savings working in the market.
D
More than 75%
I maintain only a minimal cash buffer. Most of my wealth is invested for the long term.
Question 06 / 08
What annual return do you realistically expect from your investments?
Experts in our research expected on average 7.2% per annum. Long-term equity averages are around 7%. Expecting significantly more typically implies excessive risk.
A
1–3% per year
Modest, stable returns. Capital preservation is more important than growth.
B
3–5% per year
Steady, realistic growth above inflation — achievable with a balanced ETF portfolio.
C
5–8% per year
Aligned with long-term equity market averages. Achievable with significant equity allocation.
D
More than 8% per year
Ambitious targets require high equity concentration and acceptance of significant volatility.
Question 07 / 08
Your portfolio drops 20% in three months. What do you do?
This reveals your behavioural response under real market pressure — one of the most important factors in investment outcomes. Experts invest without emotion.
A
Sell everything immediately
Protecting remaining capital is my priority. I cannot tolerate further losses.
B
Reduce equity exposure
I shift to a more defensive position and wait for the market to stabilise.
C
Hold and wait
I stay the course. I believe in the long-term and don't make panic decisions.
D
Buy more
A drop is an opportunity. I rebalance and invest additional funds at lower prices.
Question 08 / 08
Which investment approach best reflects your philosophy?
Research across 550 investors confirms: low-cost passive investing consistently outperforms active management for the vast majority of investors over the long term.
A
I prefer active fund managers
I believe skilled managers can consistently outperform the market.
B
I mix active and passive
I use both approaches depending on asset class and market conditions.
C
I prefer low-cost ETFs
I prioritise cost efficiency and broad diversification through index funds.
D
I pick individual stocks
I select companies myself based on my own research and conviction.
Almost there
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Your information is used solely to prepare your personalised investment proposal and to contact you. Sincera Asset Management does not share your data with third parties and does not send unsolicited marketing. By submitting, you consent to being contacted by the Sincera team regarding your investment profile.
This risk profile is indicative and non-binding. It is based on your answers to eight questions and does not constitute financial advice. Past performance is not a guarantee of future returns. Sincera Asset Management recommends consulting a qualified adviser before making investment decisions. Source: Fillinger, C. (2017). Exploring the Notions of Investment Expertise and Strategies. PhD, University of Gloucestershire.