Powered by the InvestVerdict Methodology Engine — 13 scoring modules, 40+ weighted dimensions — distilled into smart questions that build your personalised asset allocation.
7 core engines Wealth DNA profile Full asset allocation No fund names ever
Educational tool only. No fund, AMC, ticker, scheme, or stock is named or recommended. Asset allocation guidance may constitute "investment advice" under SEBI regulations — consult a registered Investment Adviser before acting on this output.
Stage 1 of 4
Let's start with you.
A few personal details shape your financial capacity and Wealth DNA — how much risk you can afford and what kind of investor you truly are.
Basic profile
Responsibilities & time
1
Investment experience
🌱Never / just starting📚1–2 years📈3–5 years💼5–10 years🏆10+ years
What drives your money decisions?
Select your top priority
🛡️Safety & stability above all🚀Long-term wealth growth🕊️Financial freedom / independence🏛️Build a legacy for family⚡Spot & capture opportunities
Stage 2 of 4
Your financial picture.
This section feeds the Financial Capacity, Liquidity Health, and Risk Requirement engines. Be honest — we build on reality, not aspiration.
Income
Monthly expenses — itemised
Enter what you spend each month. We separate fixed, semi-fixed and discretionary to find savings.
Current investing & EMI runway
Current investments — by instrument
Today's value of what you already hold. Each grows at its own rate in the plan — leave blank if none.
Protection
Stage 3 of 4
What are you building towards?
Your goals shape the Risk Requirement, Retirement Readiness, and Goal Criticality engines. The clearer you are here, the sharper your plan.
Primary goal
💰Long-term wealth creation🌅Retirement corpus🏠Buy a home🎓Child's education🛡️Build emergency fund first📋Tax optimisation💸Passive income
Your specific goals optional — add up to 3 for goal-by-goal funding
If you have concrete goals (house, child's education, car…), add them. We'll split your budget across them in priority order. Leave blank to plan one combined corpus.
Goal criticality
Stage 4 of 4
How you think about risk.
This is the most important section. Your Risk Tolerance and Behavioural Profile determine whether your portfolio will stay intact through market storms.
Loss & volatility response
😱Sell everything immediately😟Reduce my SIP / investment😐Stay the course — do nothing😊Invest more — opportunity!
😓Very uncomfortable😕Somewhat uncomfortable😐Acceptable😌Comfortable😎Actively prefer it
Decision making
🐑Follow the crowd and sell📞Call my advisor nervously📊Research and stay rational🧠See it as a buying signal
🚪Exit to simpler, "safer" options📝Learn and adjust my strategy🔄Treat it as a normal part of investing💪Double down with more conviction
Behavioural biases
These questions measure your behavioural control — a key input to the Behaviour Composite engine. Answer honestly, not how you wish you behaved.
Values & deeper motivations
🔒Money = security and peace of mind🌍Money = freedom to choose🏛️Money = responsibility to family🏆Money = keeping score / achieving goals
Each axis is an independently-scored engine (0–100). The shape is your financial fingerprint.
Core Asset Allocation
Equity Sub-Allocation (of total equity portion)
Wealth DNA Profile
Retirement Readiness
Goal & Corpus Projection
Step-Up SIP & the Bridge to Financial Independence
Your Monthly Investment Plan — Rupee Breakdown
Tax Efficiency — Keep More of Your Returns
How to Pick Good Funds & Stocks — Screening Filters
Portfolio Risk — What to Expect
Scenario Analysis — Stress-Testing Your Plan
Protection & Emergency Cover
Behavioural Guardrails — Your Crash Playbook
Your Action Plan
Your Playbook — Rebalancing, Annual Review & Glossary
Adjust
Assumptions Behind Every Number In This Report
Full Calculation Trace — All 13 Engines
Educational simulation only. This output names no fund, AMC, ticker, scheme, or stock. Asset allocation guidance may constitute "investment advice" under SEBI IA Regulations 2013. Consult a SEBI-registered Investment Adviser before acting on this output. Past allocation performance does not guarantee future results. All scores are derived from your self-reported inputs.
InvestVerdict Methodology Engine v2.1 · NISM 5A/5B/XA/XB + PMS-groundedNo fund names · No stock tips · No black box
