What's My Real Risk Tolerance? Run Me Through an Assessment

The risk-tolerance tick-box on a platform tells you nothing useful. This asks you questions one at a time, capacity to absorb losses, how you actually react when a portfolio drops, your horizon, income stability, liquidity needs, then after at least six questions sorts you into conservative, balanced or adventurous with the reasoning. For investors who want an honest profile before picking a portfolio.

I want to understand my genuine investment risk tolerance before I choose a portfolio. Ask me a series of questions, one at a time, to assess my: financial capacity to absorb losses, emotional reaction to portfolio drops, investment time horizon, income stability, and any liquidity needs. After each answer, ask the next question. Once you have asked at least 6 questions, summarise my risk profile as conservative, cautious, balanced, growth, or aggressive, explain what that means in practical terms (e.g. typical equity/bond split), and flag any contradictions in my answers I should think about.