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Discover Your Risk Number
Consider real tradeoffs involving potential gains, losses, and market movement.
Portfolio risk analysis
Know How Much Risk You Have—and Why It Matters
Discover whether your comfort with market movement, your current investments, and your financial goals are working together.
The questionnaire is brief, and completing it does not obligate you to make investment changes.
A clearer way to talk about risk
Risk Is Personal. Your Portfolio Should Reflect That.
Labels such as “conservative,” “moderate,” and “aggressive” can mean different things to different people. A Risk Number gives us a more useful starting point for comparing your comfort, your holdings, and the job your money needs to do.
2
Analyze Your Investments
Compare your personal risk preferences with the risk already inside your portfolio.
3
Connect Risk With Your Plan
Evaluate whether your investments support your time horizon, income needs, and financial goals.
See the difference risk can make
What Might a Difficult Market Mean in Actual Dollars?
A Risk Number becomes more useful when it is connected to the investments you own. Historical stress testing can illustrate how portfolios with different risk levels may have responded during challenging markets.
Illustrative comparison: Risk 63 versus Risk 72
In this hypothetical example, the proposed portfolio shows about $57,500 less modeled loss during a repeat of a 2008-style bear market. The purpose is not to predict the next decline—it is to make the tradeoffs easier to see and discuss.
- Compare personal risk tolerance with portfolio risk
- Translate percentage declines into estimated dollars
- Explore whether the current strategy fits the investor
Look beyond a single score
Understand More About the Portfolio You Own
Risk is only one part of portfolio analysis. A broader review can help organize information about historical ranges, returns, drawdowns, income characteristics, expenses, and overall portfolio quality.
The goal is not to chase a grade or a recent return. It is to identify what deserves a closer look and whether the portfolio is appropriate for the plan.
- Historical range and drawdown
- Portfolio GPA and investment characteristics
- Dividend yield and expense ratio
- Trailing performance for added context
Move beyond a score
Connect Investment Risk With Retirement Income
The most important question is not simply whether a portfolio earned a certain return. It is whether the savings and investment strategy can support the income, flexibility, and future the household is planning for.
Retirement mapping can help explore how withdrawals, inflation, market declines, and the timing of retirement may affect the plan—and whether the risk being taken is reasonable for the job the portfolio needs to do.
- Model retirement withdrawals and savings
- Apply historical stress scenarios
- Compare portfolio risk with retirement probability
- Discuss adjustments before decisions become urgent
Ready to take a closer look?
Your Risk Number Is a Starting Point
Complete the questionnaire and gain a clearer way to discuss your investments, expectations, and financial goals. From there, we can decide whether a deeper portfolio and retirement-income review would be useful.
Illustrations shown are for a hypothetical household and are provided for educational purposes only. Historical stress tests are not predictions of future market conditions. Risk Numbers, Portfolio GPA scores, projections, probability estimates, and income illustrations are analytical tools, not guarantees of future results or recommendations to buy or sell any investment. Actual results will vary based on individual circumstances, assumptions, investment holdings, fees, taxes, and market performance.