Investment Planning is core of reaching your Goals

1. Evaluate Your Risk Profile

Your risk profile dictates how your portfolio behaves during market swings. It consists of three distinct, overlapping pillars:

• Risk Capacity : Your objective financial ability to take losses.
• Risk Tolerance : Your emotional comfort level with market volatility.
• Risk Required : The return needed to achieve specific goals.

2. Identify Your Risk Category

Investors generally fall into one of four primary risk categories. Review the descriptions below to see which baseline best matches your financial situation and psychology:

Conservative

• Primary Goal : Capital preservation over growth.
• Time Horizon : Short term (< than 3 years), medium term (3 to 7 years) and long term (7 years and 15 years) and very long term (15 years and above)
• Psychology : High anxiety during market drops.
• Target Returns : Low, stable, inflation-matching yields.

Moderate

• Primary Goal : Balancing growth with income.
• Time Horizon : Short term (< than 3 years), medium term (3 to 7 years) and long term (7 years and 15 years) and very long term (15 years and above)
• Psychology : Willing to accept minor fluctuations.
• Target Returns : Steady, market-average long-term growth.

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Growth

• Primary Goal : Significant capital appreciation over time.
• Time Horizon : Short term (< than 3 years), medium term (3 to 7 years) and long term (7 years and 15 years) and very long term (15 years and above)
• Psychology : Comfortable with frequent market swings.
• Target Returns : Above-average returns via equity exposure.

Aggressive

• Primary Goal : Maximum possible long-term wealth accumulation.
• Time Horizon : Short term (< than 3 years), medium term (3 to 7 years) and long term (7 years and 15 years) and very long term (15 years and above)
• Psychology : Unfazed by steep, sudden market crashes.
• Target Returns : High alpha, accepting high loss risks.