What kind of investor are you?
Four questions about your money, your timeline and your nerve. The answer is a risk profile and the SEBI fund categories that suit it — with the monthly split worked out in rupees.
What a risk profile assessment does
A risk profile assessment scores four things — how long until you need the money, what you would do if it fell 10%, how stable and how large your monthly surplus is, and what you want the money to do — and maps the result to an allocation across SEBI mutual fund categories. Time horizon carries the most weight because it is the only one of the four that is a fact rather than an opinion.
Questions people ask
Is this investment advice?
No. It is a suitability assessment. GrowIQ Capital is an AMFI registered mutual fund distributor (ARN-352082), not a SEBI registered investment adviser, so it can tell you which SEBI scheme categories fit your answers but cannot recommend a specific scheme to you personally. Every output on this page is a category, never a fund name.
Why does it refuse to put anything in equity for a goal under a year?
Because a 30% fall six months before you need the money is not a dip, it is the outcome. Equity has no time to recover inside a year, so the equity share is held at 0% however aggressively the other questions are answered. Gold is held at 0% for the same reason — it has fallen more than 20% inside a year more than once.
I said I would buy more in a crash. Why is my profile not aggressive?
A profile cannot sit more than one step above what your income and your stated reaction each support on their own. Appetite for risk is real, but it does not pay a bill in a bad month, and a portfolio sized to appetite rather than capacity is one that gets sold at the wrong moment. The raw score is shown alongside the applied profile so you can see exactly where it was held back and why.
Why does it want an emergency fund before an equity SIP?
Without one, an unexpected bill is paid by selling investments at whatever price the market offers that week. Part of your monthly saving is routed to a liquid fund until you hold three to six months of outgoings — six where income is variable, which is the case the rule exists for.
Why does it commit only part of my monthly saving if I run a business?
A fixed monthly debit sized to an average month bounces in a lean one. The bank charges for the failed mandate, the SIP registration lapses, and the plan is over. So half the surplus is committed to the auto-debit and the rest is invested when it actually arrives. A smaller SIP that survives ten years beats a larger one that dies in month four.
Does it save my answers?
Only if you ask it to. The assessment runs entirely in your browser and nothing leaves it until you sign in and press Save. If you do, we store the answers — including the income and savings figures you entered — alongside the profile they produced, because a record of what you were shown and when is the whole point of a suitability assessment. Re-taking it adds a new record rather than replacing the old one, and deleting your account deletes all of them.
Can the saved record be edited afterwards?
No, and that is deliberate. A record that can be rewritten later proves nothing about what was actually shown at the time. Each saved assessment also carries the version of the rules that produced it, so an old one is always read against the rules that were live when it was taken rather than against today's.