Ten questions, two minutes — a risk score out of 100, matched to one of six live Capital Wealth model books.

Everyone thinks they can handle a 20% drawdown until they’re living inside one. The quiz below asks how you’d actually behave — in a crash, in a rate scare, watching a friend’s concentrated bet pay off — and turns those answers into a score, a band, and a book. It’s the first draft of a conversation, not a verdict.

By Sean Anees Saifi · Capital Wealth · Result allocations pull from the daily model data when available

Risk tolerance is what you’ll actually do in a bad month.

The quiz measures three different things and blends them on purpose. Appetite is temperament — how a 20% drop feels at 2 a.m. Capacity is arithmetic — how much loss your plan can absorb and still fund the goal. Horizon is the referee: money needed inside three years has no business in the growth bands, however brave its owner feels.

Answer for the person you are in a bad market, not the person you are today, in a calm one, taking a quiz. If you and a spouse score differently — most couples do — that gap is worth a conversation before the market forces one. And a number this important shouldn’t be measured once: risk tolerance drifts with age, balance, and memory, which is why we re-run it at reviews. In the POLARIS method this is step 2 work — part of organizing who you are before anything gets recommended. What it costs to guess wrong lives on Sequence of Returns.

The Takeaway

Your score is a starting point — the band it names is where the conversation begins, not where it ends. Capacity, horizon, and the decade you’re in can all overrule temperament, in either direction. Bring the result to a review and we’ll test it against the rest of your picture.

Where this fits Bubble Map: Cash Flow· POLARIS: Steps 2–3 · Organize & Discover, Leverage Our Experience

POLARIS · Step 1 · Personal Approach

A window seat above the clouds — Capital Wealth · What kind of investor you are

A score is a sentence. A plan is the paragraph around it.

Fifteen minutes, one conversation — bring your score and the band it landed you in, and we’ll tell you honestly whether it matches your capacity and your dates, or whether temperament is writing checks the timeline can’t cash.

Begin step one — book the review → Or browse the model books →

The quiz is an educational self-assessment, not a suitability determination; scores and band matches are illustrative starting points only. Allocations shown are the matched model book’s current or typical mix, not a projection of returns. All investments involve risk. Consult a licensed financial advisor before making investment decisions. Disclosures · Privacy

Ten questions, two minutes — a risk score out of 100, matched to one of six live Capital Wealth model books.

Risk tolerance is what you’ll actually do in a bad month.

What’s Your Risk Profile?

A score is a sentence. A plan is the paragraph around it.