Risk Profiling

Above 60 45–60 30–45 Below 30

Very unstable Somewhat unstable Stable Very stable

None 1–3 months 3–6 months 6+ months

Very high High Moderate Low

<10% 10–20% 20–35% >35%

<3 years 3–5 years 5–10 years >10 years

<20% 20–40% 40–60% >60%

None Basic Moderate Advanced

Not familiar Slightly Familiar Very familiar

Exit fully Sell partially Hold Buy more

Panic sell Reduce exposure Stay invested Aggressively invest more

Exit Shift safer Stay invested Rebalance / invest more

Avoid risk Minimal risk Moderate risk High risk

Capital safety Income Balanced Growth

Fixed income Conservative mix Balanced Equity-heavy