What is Risk Profiling in Investing?

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What is Risk Profiling?

The term risk has different meaning to different people. Many calls it uncertainty, many calls it an opportunity. Many people assume it as a chance of loss. In simple terms risk means a possibility of having 2 outcomes of an activity or action out of which one can be favorable and other can be unfavorable. So where there is chance of loss, it also has equal chance of gain too. Risk profiling is the evaluation process to find out individual’s willingness to take risk. This process defines the risk tolerance level of the investor after taking into account the understanding and acceptability of risk in different situations of life. Though the risk profiling is mainly meant to make investment decisions but it is derived from reactions to different life situations. For example your acceptance of job which offers salary as 50% fixed and 50% variable or habit of driving your vehicle above the speed limit surely impacts your risk tolerance in investments. Risk tolerance score comes out after taking into account not only the psychological factors but also your investment horizon and Investment objective.

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