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Portfolio Risk Alignment Analyzer Calculator
Take a 10-question risk questionnaire, then compare your current asset allocation to a recommended allocation for your profile and age. Surfaces over-/under-risked mismatches.
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How to use
- Answer the 10 risk questions to get a 0–40 score and one of four profiles.
- Enter your current allocation across the 8 asset-class sleeves.
- Review the alignment verdict, blended expected return + estimated downside, and the side-by-side allocation table.
Assumptions & disclaimer
These calculators are educational. They use simplified models and the inputs you provide. Results are estimates and not personalized financial, tax, investment, or legal advice. Tax law, market behavior, and personal circumstances change — verify any assumption before acting on it, and consider working with a qualified professional for decisions that matter.
- Capital-market assumptions reference public CMAs (Vanguard / BlackRock / J.P. Morgan); they are long-run averages, not point forecasts.
- Downside risk is the estimated peak-to-trough loss during a severe bear market, not annualized volatility.
- Age adjustments shift the equity / fixed split by ±5 to −15 percentage points depending on your age decade.