1. When might you need this money?
Within 2 yearsShort horizon, little time to recover from market declines.
2–5 years
5–10 years
More than 10 years
2. How would you react if your investments fell 15% in a few months?
I would likely sell to avoid further losses.
I would feel very uncomfortable and reduce risk.
I would probably hold and reassess.
I could tolerate it if my long-term plan had not changed.
3. How stable is your emergency savings situation?
I do not currently have emergency savings.
I have less than 3 months of essential expenses.
I have around 3–6 months.
I have more than 6 months and good liquidity.
4. How predictable is your income?
Very unpredictable.
Somewhat unpredictable.
Mostly stable.
Very stable with good surplus cash flow.
5. Which statement best describes your investing experience?
I am completely new to investing.
I understand basic concepts.
I have invested before and understand market swings.
I am comfortable evaluating risk across different investments.
6. What matters most to you?
Avoiding losses, even if returns are lower.
Keeping risk relatively low while allowing some growth.
Balancing growth and volatility.
Maximizing long-term growth, accepting larger fluctuations.
7. If markets fell sharply, how important would it be to access this invested money?
Very important — I may need it.
Somewhat important.
Not very important.
Not important — this is long-term capital.
8. Which outcome would bother you more?
Losing part of my original capital.
Seeing significant short-term volatility.
Missing some long-term growth opportunities.
Being too conservative over a long period.
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