Free risk tolerance assessment — separate emotional tolerance from financial capacity, experience, horizon and loss reaction, and generate a risk-profile AI report. Two honest answers matter: what you can stomach and what you can afford.
Quick answer
A roughly 10-minute, five-dimension questionnaire that scores how much volatility you can stomach separately from how much loss you can actually afford, then returns a plain-language risk-band PDF — indicative input for an adviser conversation, not a suitability ruling.
Disclaimer: this page and its AI report are for self-reflection and process reference only. They do not constitute medical, psychological, financial, legal or safety advice. Consult a qualified professional when needed.
Methodology: items are a structural adaptation of widely used frameworks, not an official version; scoring is indicative, not diagnostic.
The Risk Tolerance Assessment treats risk tolerance as two different things wearing one name. It scores emotional tolerance (reaction to volatility, sleep-at-night factor), financial capacity (income stability, buffer, dependants, time horizon), investment experience and loss-response scenarios on 1–5 anchors, then reports tolerance and capacity as separate dimensions instead of one misleading number. The AI PDF report places the client in the risk-band language advisers use, with the tension between the two sides made explicit.
| Template | Risk Tolerance Assessment |
|---|---|
| Category | Finance & Insurance |
| Format | Scored 1–5 risk assessment with an AI report |
| Time to complete | About 10 minutes per response |
| What you get | A risk profile separating emotional tolerance from financial capacity |
| Best for | Advisers · Clients · Platforms |
| Cost | Free to copy and customize on FormLM |
Preview the risk assessment and the AI risk-profile report it returns.
Everything you need to run this template.
From copy to deliverable in four steps.
Copy the form and its scoring, report and branding settings into your FormLM workspace — free.
Adjust fields, options and dimensions to match advisers and insurance professionals.
Send the link or QR; every response is captured automatically.
Open the personalized AI PDF report and share it with stakeholders.
Pick your role — see how it fits your workflow.
Advisers size portfolios against capacity, not courage.
Clients see where their comfort and their finances disagree.
Platforms profile risk at onboarding with evidence.
What makes this template work as a professional deliverable.
A preview of real questions — the full version adds scoring and a personalized report per respondent.
