Financial Calculator

Investment Risk Tolerance Calculator

When it comes to investing, every person has a different propensity for risk. Our investment risk calculator can help guide your portfolio composition based on your risk tolerance profile.


What is your risk tolerance?

When it comes to investing for your future, every person has a different propensity for risk. We can help assess you individual risk profile based on the risks you are willing to accept.

Risk Tolerance

Step of 5

  • Background
  • Future
  • Volitility
  • Stocks & Bonds
  • Scenarios

Tell us more about you.

How old are you?

What are you saving for?

Expectation for the future.

When do you expect to use the investments you are now accumulating?

Over the next several years, you expect your annual income to:

Attitude toward volitility

Due to a general market correction, one of your investments loses 14% of its value a short time after you buy it. What do you do?

Which of these investing plans would you choose for your investment dollars?

Looking at stocks and bonds.

Assuming you are investing in a stock, which one do you choose?

Assuming you are investing in only one bond, which bond do you choose?

Here are some scenarios

You expect inflation to return and you’ve been advised to buy “hard” assets, which have historically beat inflation. You hold only long-term bonds. What do you do?

You have just reached the $10,000 plateau on a TV game show. Now you must choose between quitting with the $10,000 in hand or risking it all in one of three alternative scenarios. Which do you choose?

This tool is intended to assist you in gathering important information about yourself, such as your financial goals, objectives and time horizons, and to help you make a more informed decision regarding your specific situation. Your responses are not intended to represent a comprehensive basis for evaluating suitability (or, if applicable, conducting underwriting) on any specific insurance, annuity, or investment product. In the event that you decide to purchase any product, you will be required to complete a separate policy application/contract and/or Investor Profile, which will serve as the basis for the Company’s conduct suitability and/or an underwriting analysis with regard to the specific product that you wish to purchase. 

In the event of any discrepancy between the information that you provide in completing this questionnaire/fact finder and that which you furnish in completing an Investor Profile and/or product application/contract, the information contained in the Company product application/contract and/or Investor Profile will govern and will serve as the basis for the Company’s assessing the appropriateness for you of the product to which such document(s) pertain.

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Why it’s important to know your risk level.

Investing can be volatile. Many financial instruments come with a risk of loss. A good rule of thumb is that greater returns come with greater volatility.  You should have a realistic understanding of your ability and willingness to endure large swings in your portfolio, because if not, you might panic sell and lock in your losses for good.

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Age and Risk.

In general, investors with a long investing timeline can assume more risk than older people who might need their money sooner. Remember, the longer your timeline, the more time you have to ride out down periods and avoid selling assets at a loss.

A higher risk tolerance usually results in portfolios that are more heavily-weighted to equities, while a lower risk tolerance requires a larger allocation to bonds, which are less volatile.

Further notes on risk.


Most overestimate their tolerance.

Many claim that they’d be able to stay the course in a hypothetical market downturn, only to panic when it actually happens. Err on the side of caution when you’re first starting out.


Portfolio value and risk.

In general, if you have money saved far beyond your needs, you can afford to be a little riskier with a portion of your portfolio.

More information and resources.

We have the tools and products you need to help you plan your financial future.

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Retirement Income Later with Deferred Income Annuities

Make decisions today to maximize your income down the road.

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Hedging risk with insurance

Insurance can play a vital role in mitigating financial risks.

Want to learn more about managing financial risk?

Fill out this form and a New York Life financial professional will be in touch soon.

Investments are offered by properly licensed Registered Representative of NYLIFE Securities LLC (Member FINRA/SIPC), a licensed insurance agency and a New York Life Company.