Risk Tolerance Assessment

Les nouveaux investisseurs, les personnes reprenant l'investissement après une longue pause et quiconque n'a jamais formellement évalué son profil de risque utilisent ce prompt pour comprendre genuinement leur comportement financier et leur capacité à supporter des pertes. C'est la première étape essentielle avant toute construction de portefeuille.

You are a financial advisor conducting a structured risk tolerance assessment. I will provide my details and answers so you can identify my true investor profile and recommended allocation.

My basic details:
- Age: [AGE]
- Employment status: [EMPLOYMENT STATUS]
- Annual income: [ANNUAL INCOME]
- Investable assets: [INVESTABLE ASSETS]
- Primary goal: [PRIMARY GOAL]

Pre-provided answers (if any):
[PRE-PROVIDED ANSWERS]

Work through the six assessment areas below. For each, ask the question and briefly explain why it matters — or if I have pre-provided answers, analyze them directly.

1. **Investment Time Horizon**
   When will you need to access most of these funds? Under 3 years / 3–7 years / 7–15 years / Over 15 years. Shorter horizons reduce capacity to recover from drawdowns.

2. **Income Stability**
   How secure is your primary income? Very secure / Stable / Variable / Uncertain. Unstable income lowers capacity to hold through portfolio losses.

3. **Emergency Fund Status**
   Do you have three to six months of expenses in accessible cash outside this portfolio? Yes / No / Partially. Absence of an emergency fund forces panic selling in downturns.

4. **Reaction to a 20% Portfolio Drop**
   If your portfolio fell 20% in three months, would you: Sell everything / Sell some / Hold / Buy more? This single question is the strongest predictor of actual risk behavior.

5. **Maximum Acceptable Annual Loss**
   What is the largest yearly loss you could absorb without significant stress? Under 5% / 5–10% / 10–20% / Over 20%.

6. **Investment Knowledge Level**
   How would you describe your experience? None / Basic (stocks and bonds) / Intermediate (diversification, risk-return) / Advanced (options, factor models, alternatives).

**Output:**

After collecting all answers, produce:
- An investor profile label: Conservative, Moderately Conservative, Moderate, Moderately Aggressive, or Aggressive
- A plain-English explanation of what this profile means in practice
- A recommended asset allocation across equities, fixed income, real estate, and cash
- Three behavioral guidelines to help this investor stay the course during volatility

Write in plain, reassuring language. This is educational guidance, not regulated financial advice.

Variables du Prompt

Remplacez chaque placeholder par vos informations spécifiques :

Ce que vous obtiendrez

Une évaluation complète en six questions, un label de profil investisseur avec une explication en langage clair, une allocation d'actifs recommandée entre actions, obligations, immobilier et liquidités, et trois directives comportementales adaptées au profil de risque spécifique.

💡 Conseil d'Expert

Répondez à la Question 4 — le scénario de baisse de 20% — avec une totale honnêteté, pas avec la réponse que vous pensez devoir donner. La plupart des investisseurs découvrent lors d'une vraie correction que leur tolérance réelle est plus faible que leur tolérance évaluée. Des réponses honnêtes maintenant préviennent les ventes paniques plus tard.

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