Assess attitude to risk

Although every investor is unique, it is possible to categorise someone’s attitude to risk using proven psychometric profiling techniques.

Psychometric profiling identifies characteristics such as tolerance for ambiguity, desire for profit and investment experience. These are all general predictors of an investor’s likely tolerance for risk and provide a good indication of how they may feel about taking a risk with an investment (their attitude to risk).

Using psychometric risk profiling to determine the risk an investor is willing to take typically involves asking them to complete an attitude to risk questionnaire (using a paper-based questionnaire or one of the popular Dynamic Planner risk profiling apps).

These 10- and 20- question questionnaires used by Dynamic Planner to assess attitude to risk, were developed in conjunction with Oxford Risk, a company led by academics from the University of Oxford who have considerable expertise in this sector.

Dynamic Planner - risk profiling app questionnaire

The risk profiling questionnaires have been rigorously tested and shown to have outstanding reliability.

Your answers are a good starting point for discussing your attitude to risk and your financial future with your financial planner.

The questionnaires take into account a number of factors, which are known to be excellent predictors of your attitude to risk, including:

  • Risk sensitivity
  • Investment time horizon
  • Desire for profit
  • Financial awareness
  • Tolerance for ambiguity
  • Investment experience
  • Outlook
  • Suggestibility

The outcome from the questionnaire is placed on a scale of 10 risk profiles.

Dynamic Planner risk profiles


Each risk profile represents a proportion of the population and is aligned to a description.

This helps investors see where they sit in their risk profile versus other investors.

To ensure clarity, the descriptors use simple language that has been clarity-approved with a Crystal Mark from the Plain English Campaign.


risk profile distribution